Forum linksHere are several forums that have lots of information on this matter. You will see that there are lots of people in the same situation as you. If you have any questions these are good places to ask for advice.
P2P Freak Forum
Consumer Action Group Forum - forum link removed because this forum contains mostly wrong information
ChatroomThis site has a chatroom where you can discuss this issue and anything related to it. It is anonymous although we'd prefer it if you changed your nickname from guest1928372 to something a bit more human!
Being Threatened? chatroom