This concerns joining GEM. It was quite easy on line but I have knocked it down 2 stars because I could not set up a direct debit. There appears to be a problem between GEM and the banking world. When trying to submit the Direct Debit on line it would not validate. GEM told me to contact my bank and my bank told me to contact GEM as they should raise the Direct Debit. GEM told me they would get the same result. I was also told by GEM that the problem often occurs when someone has been with their bank too long!! Hope their recovery service turns out better than this otherwise it will be bye bye GEM!!