DON'T USE THEM UNDER ANY CIRCUMSTANCES! THEY ARE CROOKS! Very friendly at first but when once they received my tax rebate from the tax office, they just wouldn't transfer the money over to me... which is MY money in the first place, not theirs! First they changed the initial date for my payment, then they failed to transfer the money on the second date (3 weeks later), and so on for about 6 months! They always had an excuse (someone was off sick; they had email issues; they didn't have my bank details although I have proof that I filled in the paperwork correctly, etc.) when in effect they were just delaying tactics. They finally transferred my tax refund over after I complained to the tax office (HMRC), who were very helpful. If I hadn't complained to the tax office, I'd still be waiting for my money...