I think that you have explained very well in your post so clearly like me you find it easier to write it than to try and say it so I would advise you to read some of this post to her when she phones you and maybe she will have a better understanding of how difficult you are finding it ,I tried cbt many years ago and found it hard and the therapist thought I was not engaged until I managed to find the words to explain how hard it was for me i stuck with it and it was somewhat helpful,good luck ,keep us posted