Good luck with whatever you decide Nicola.
I was referred for CBT twice and turned down twice, my gp was amazed how bad you need to be to get help. So I had eight private sessions two years ago and they helped enormously, even within a few sessions. In my area the price ranges from £90 - £140 per session which is quite expensive. Thankfully I was working full time in a really well paid job but now I'm part time it's not as easy. I was fine for a year after the CBT. Recently a few things have got on top of me and I'm not dealing with my thoughts as well.
I'm hoping to go back and have a few more sessions. My therapist was great as she has also suffered panic and anxiety herself in the past.
My ME specialist did finally get me onto a CBT waiting list of two years, but as I still have a year to wait at least I'm going to go private again probably. I have private medical insurance but it doesn't cover any therapy.