Shocking. Opened a plan assuming I could pay into it immediately. Not the case! Apparently you need to wait for an email confirming the plan is open. OK they have to do some checking, but 2 weeks later still no email. The ONLY contact I've had is an email asking me to rate their service! Well....I just have. UPDATE: Having clicked through the email and written the review above, I posted it using the "Submit as Anonymous" button .... note it says anonymous. A couple of hours later I received a call from Shepherds Friendly... "About the review you just left concerning our service..." What!!! Which bit of "Submit as Anonymous" am I misunderstanding? The caller, pleasant as she was, then suggested that I might like to make a payment there and then. Errr....let me think about that for while whilst I consider the trust issues raised here. I'm now promised a email which will address my "concerns". Looking forwarded to that one!