@Wannikea ********
my point regarding banking is I have a business bank in my name however it's under my company name I'm sole owner, also have personal account with Halifax (uk) and I'm puzzled as to which one to use or do I try upload both, yes there is much Information and one persons case can differ from others I'm just frustrated that it's so up in the air and I don't want to get it wrong.....if anyone can suggest a decent agent I'm happy to pay to avoid all this hassle.....thanks guys