So practically, at this point, one person has turned up when he said he would, sent me quote for both my jobs when he said he would, both jobs are in budget for me and wouldn't lead to further debt and would leave me some of my savings intact to pay my tax bill which is looming in January. There are some potential issues over craftsmanship but I'm so frustrated and desperate my options are:
a) Keep trying to get a specialist company to do the work. The problem being they either don't get back to me or don't turn up even after they've got back to me. If I do eventually get them to do it, it will cost so much I'll end up in so much debt I'll end up imploding and killing myself sooner or later from the financial pressure.
b) Get this other guy to do the patch up repairs. Take a chance that using cement on the walls won't do damage (I hear despite the advice, MANY houses are repointed with cement and not lime). As it's a subsection of wall that is really bad, the cement could just help stop it weathering further and plug the gap and it's not like I'm doing the whole wall. If it lasts 5 or 10 years I could be dead by then, it at least buys me 5 or 10 years, the way I've been feeling recently I didn't have 5 or 10 days left in me. And it might last longer than 10 years, who knows.
I'm so fed up with the whole thing I am sorely tempted to go for b) and just get it the fuck done. If he does a good job he can do the garden walls next spring, I can save up. At least I can say I tried - but at some point you've just got to shit or get off the pot, as they say.