i am shocked by this as i have taken cash out on holiday before from my credit card, due to it being zero charges (just interest). my debit card on the other hand charges me something like a couple of quid (and a loaded conversion rate!). it is surely safer than carrying around a lot of cash, but if they were to lower my credit limit while on holiday this would ruin the holiday!? if i have cash remaining in my bank account, would they not be able to see that i have not run out of money? seems they just want to use these offers to get customers, not to actually have people use the facility? in which case can it be taken up with the Advertising Standards Agency? in the past i transferred cash to my credit card the same day as withdrawing it, so as to prevent interest. could this be why my credit limit was not lowered? seems i may need 2 credit cards in future, one for cash (which i would pay off the same day) and another for purchases (which i would pay off once the statement was generated)

i agree. also, when i lived in a flat with no gas and no double glazing, i found the halogen heaters to be worth their weight in gold. they are cheaper to buy than oil-filled heaters, costing under £10. what they do is give instant heat to the objects in front of them, rather than heating a whole room (which is ideal if you have high ceilings as normal heaters heat the air, which then rises and so a high-ceiling room will take longer to heat) so what i would suggest is heat your main room as you are doing now*, and have the halogen heaters available in other rooms for when you need instant heat for a small amount of time. for instance, when changing your clothes, or when you have popped into the house and will be going straight out again (so heating the whole house would be a waste of energy). * or heat the living room during the day, and the room the baby sleeps in at night (eg. your bedroom) but not 2 rooms all the time! halogen heaters can be found in local hardware stores, ebay, kelkoo (kelkoo search showed me that maplin sold an 800w for £4.94 or a 1200w for £8.94). each heater has 2 or 3 bulbs of 400w each, so you can vary the power - i measured 350w each at the power outlet so i would use the 350w figure if trying to calculate how much it will cost through your pre-pay meter. i would suggest getting 2 of the smaller ones, then you can vary from 350w to 1400w, and you can have the heat coming from 2 angles - from experience if you sit close to the larger one you can feel like you are burning on one side and cold on the other!! PS - i did the same thing with the kettle for dishes. there was NO need to heat the whole water tank for dishes since we had an electric shower so it seemed a waste! can i suggest adding a little cold water before the boiling water if using a plastic basin - boiling water causes many plastics to release Bisphenol compounds, which were recently banned from babies bottles!

I am in the reversed situation. My brother emigrated this week - someone wants to buy his old car, but the V5 is at my parents' house. Can I sell the car tonight with tax and MoT, and we just give each other handwritten receipts while the V5 is posted through? If we do this, am I covered if they get any speeding offences etc in the next 3 days or so?