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Thanks for that Kevin - my current 18-month contract runs out in a month or two, so I'll give it a try then.

Update - IP have got back to me and confirmed that the ?ú1200 already factored into my calculation is sufficient, and I can therefore hold on to the e...

Thanks for that Kevin. As it happens, I was informed about my bonus yesterday afternoon and I have been awarded more than the ?ú1200 that my IP had...

Thanks Mark - much appreciated. I should hear back from the bank today on whether the charge is going to be waived.

Many thanks for the quick reply! I suspected this would probably not be too much of an issue, but you can never be too careful! I've already spo...