Well finally, was ready to vent as the appointment person wasnt calling back! but I now have an appointment time for the FS. And I was able to firstly get in quickly, secondly go with someone who Ive heard is very nice and good, thirdly at another location closer to me, and lastly, at an after work time. Time to crack open the champers (if i was a drinker) on managing all of those things. Its decreased the stress levels already and been told the gap payment too, which i was expecting to be a lot bigger.