Aye we had thought about this but really its a case of looking at last years finances and tryin to figure what can be cut back etc...goin through statements for a year its hard to remember exactly when and where we withdrew money and how "necessary" it was. It doesnt make sense that TSB & AIB are so straightforward yet Ulsterbank are not. I rang Ulsterbank today and asked them if they could help make sense of things...it was like askin for this weeks lotto numbers, the guy who answered first said he did not deal with this and transferred me on to someone else, who said something similar and really either did not know or did not want to deal with me, so he in turn transferred me to some guy called Azzar who couldnt understand what I wanted, he didnt even know what country I was ringing from, after about 10 mins on the phone to him he gave me a different number that once rang was "out of service" ...bit of a pain but we'll keep trying. Thx for the suggestion anyway.