But say you get laid off & go without pay for a month. You realise you have a couple of dds' & cheques knocked back. You would end up paying nearly the same amount in charges then you would for a year of £12.50. Fair do, I would still have to find money for the bills but I wouldn't have all the bank charges.

I am happy to pay £12.50 pm if it means not getting bank charges of any thing from £25 up to £100, you also get that personal touch of someone sorting your finances out.

Lat week I rang them& they rearranged most of my salary to cover all of my bills etc & to take £25 out of the normal £150 I get every week, that will cover me for everything & I am now about £100 per week better off.

Yesterday, for example, I rang them up as the are holding back £140 of my wages for dds' that are due to go out on a weekly basis, I said I needed money for something & within the minute they had transferred the moneyover.