Eco_warrior:

Hi MrTWitch

I havent personally, though its quite a straight-forward process, but i appreciate it could take some time depending on the circumstances. Very little risk involved really imo.

As for the £40 on the card, id sooner loose the banks money than my own!

What if someone got hold of your details somehow and ran up a £5000 bill for example? Wouldn't you rather put £40 at risk than that much?