Crush the chocolate into small pieces and melt it in a glass bowl placed on top of a pan of simmering water. Let it cool.
Whisk the cream cheese with the double cream or yoghurt, then add the cooled chocolate.
Mix a handful of your chosen berries with the jam.
Crumble half of the biscuits in the bottom of a glass trifle bowl or individual pots.
Spoon half of the fruity jam over the crumble, then half of the cream.
Repeat this layering.
Smooth the top, then scatter some biscuit crumbs on top.
Cover and leave the pots or bowl in the refrigerator for a minimum of 4 hours.
Serve with a few fresh berries scattered over the top.