Many thanks to all. I appreciate that the only way to find out 100% is to talk to the bank

but it's nice to get a "feeler" all the same.
Got a few debts to sort out in the mean time anyway, so it'll be a while before I can approach them. Until then, my "please sir can I borrow some money?" suit and briefcase remain firmly locked in the wardrobe, whilst I slave away at the keyboard night and day to get the bucks necessary to follow my dream!
Good luck to all , I shall be watching (with envy).