Thanks guys it's good to hear others have dealt with this and resolve as possible. Tell the truth I kind of should have known it was too good to be true but I've got some really good deals by shopping hard but I think I might have got bit this time.
Don't count yourself out on this one. Follow the steps, be diligent and honest. You might surprise yourself in the end. You seem like a stand-up person so carry that momentum with you.....