they hold back the 1st ?5 you 'earn' each year you're with them

i've 'earned' about ?300 in the past 4ish years through them

if you don't 'earn' anything, they don't charge anything

i wouldn't use Ben's link though i'd use this one User Posted Link instead

Posted By: Ralf Scrampton on April 23rd 2012 at 16:14:47


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