> Thanks for all the suggestions which have been forwarded to
>daughter. Since I have a First Direct account she might opt for this
>in which case I can do a mini scam of my own and get back some of the
>money I expended in sending her to university!

"DEAR MADAM, I AM MR. MIKE RUDDOCK, PROVINCIAL DIRECTOR FIRST BANK OF
EVESHAM, UNIVERSITY FEES BRANCH..."

-- 
Ben Blaney