Thank-you Lynn P - I have checked that link out and I can relate to alot on it, both in identifying how I may have learned to be like this and subsequnet negative consequences in my life - the after effects of which are some of things that I am trying to work on now.
I do feel enormously guilty whenever I say no to anyone, to the extent that the feelings can be overwhelming and it is usually less painful to say yes.
It is hard learning these lessons later in life, I could have benefitted so much from having learned these things many years ago (or not having developed them in the first place!) - It is like trying to learn a completely new concept - I hear myself repeating the word "Need" in my head, but it is meaningless to me.
As a starting point I shall consider the "no" thing. Thank-you again.
