TERRY123 you should be elegible for CBT for free on the NHS as it is widely offered by GP's now especially as government is trying to push mental health back to GP's to save money! i would talk to your GP or m/h team again if i was you, there is no way you should have to pay for it in England, trust me i know! if he still refuses try talking to you PCT or PALS(patient advice liason service) it is a free service!