Hi all, especially to Fifi, Kallis, Abi, Free Lily, Vicki and Fergie. Thank you so much for all your support tonight, Lily luv the link on dealing with phone calls, makes me feel so much better and as Fifi said gun ho!!! This site is so much of a comfort to me, so glad I found it and feel I'm making some friends. Bit of good news, my new bank details arrived today from Nat West (they have taken absolutely ages though!) so now we feel more in control, tomorrow I will take pleasure in setting up all my new direct debits. Its been a harrowing couple of weeks, as my monthly salary goes into the bank on the 15th, I had to give my employer my mother in laws details rather than let it go to my old bank and be swallowed up. My husband and I haven't told any family we would prefer to keep it to ourselves and not worry them, so .... I explained to mum in law that we weren't happy with the service from our current bank. I then had to take her to the cashpoint, (she's elderly and doesn't use telephone/on line banking) just to check my salary was there ok, and then she wrote me a cheque which I had to pay into my daughters savings account, what a saga of events - has anyone been in the same predicament? When hubby rang today and told me the Nat West details had arrived I was so relieved. After tomorrow when all the direct debits are set up again (mortgage included!) it will be one less thing to worry about. Fergie and Fifi, keep posting to me - are you both with Melanie, I'm sure we can provide so much support to each other. Luv liz.