Thanks Whiff- it was specifically to do with the Co-op but I have decided to give the whole thing a miss. The matter is very personal and I can't say much here, but thanks for taking the time to reply.
I am finding that more and more are now charging for initial consulations. More and more people being left outside the justice system now... I don't know if and when that is going to change.
Lending/gifting money to children
