It is specially useful for the elderly who may become forgetful and, on a sombre note, using a nominee service can make it much easier to wind up an estate.Both Carr Sheppards and Brewin Dolphin offer nominee services with no separate charge. He recommends it if you are an active trader, frequently away or bad at answering your post. One day later, on 2 September, she was charged a further pounds 30 for being beyond her overdraft limit in September.Ms Brown said: 'At least with the other banks, the charges are on a certain date each month. She was charged the standard First Direct fee of pounds 30 for an unauthorised overdraft on the following day - 1 September.This was for exceeding her overdraft limit in August. FIRST DIRECT will charge customers pounds 60 for exceeding their overdraft limit for just a few days - if those few days happen to coincide with the end of one month and the beginning of the next.

If the outcome is in the customer's favour, he does not pay interest on the amount.In the case of Mr White, the society decided instead to check with the shop the money had supposedly been spent in, to see whether there was a credit slip with a signature on it. Mr Smedley said that at least 50 per cent of the trustees should represent their interests.. 'They feel that it is money they've put in previously that is paying for the holiday.'Both Mr Ward and Mr Smedley said the interests of pensioners in company pension schemes could only be defended if they were adequately represented among the trustees. 'Older retired people have fallen behind,' said Impac's chairman, Michael Smedley. An independent actuarial report commissioned by BAe retired members' associations suggested that current employees and pensioners together gained less than a third of the total surplus allocated between 1987 and 1993, and that the remainder was taken by the company's pension holiday.'Pensioners have made a major contribution to the massive scheme surpluses, yet may still be on pitifully small pensions,' Mr Ward says.Nigel Tinsley, BAe's pensions director, accepted that the firm gained more than the pensioners from the surplus but argued that the company (which recommenced pensions contributions last year) had traditionally paid more to the pension fund than employees. One reason for a low pension may simply be that an employee only worked for a firm for a short time.However, some pensioners with many years of service are also drawing very low company pensions.