BlueVikingFlyer,
I'm very surprised that you were not picked up with 4000 TT and a Captaincy...who on Earth were you previously flying for to be taken so lightly...?
So you basically saved an airline circa £7k and.....
put yourself into debt by circa 20K...
Well done...I hope you are earning more than £50k for that to make sense...
Ouch!
Craggs