[harwood red]

This is something that has come up as an issue at work with the people I'm supporting (mostly elderly). wayneboy is right I do have quite a few that get giro's each week for their pension but then you are relying on the mail and I have had to advise them to make sure they can keep some in reserve for when a giro goes missing (which has happened and can be a nightmare to sort out).

Many elderly don't have bank accounts and even if they did they struggle to get to many banks as they are usually only found in town centres, unlike many post offices