"Well it is only the 7th January so plenty of time yet"
Sans Frontiers - wanna tell these guys Mortgage lenders that?
UKIA are not too hot on many things - and that includes paying folks on time. I believe that it is by design though - think how much extra interest they will be making if they hold onto their £'s just for a few days extra each month - sponging off the backs of their crews...................