Yes... Julie that's something I'll take on board as well. You will notice I amended the above post.
However I need to ensure it's rock solid too, as obviously there's my home, car, plus investments and savings, so not exactly a few pence, so of course it has to be done properly. In fact I'm glad you bought it up Julie. I'll get in touch with my solicitor and get it sorted next week while I'm able to do so....one never knows.