hi thanks for the reply but i am not so keen on xoom as they only charge by dollar which is bit complicated its nice to know the pounds straight away instead of dollar so that i will know how much the charges are. anyway thanks a lot but xoom is not so good thank you.i been on moneygram which is very reliable the reciever could collect the money in 5 minutes but the only problem with this is the charge but not too bad than western union .so i might carry on the moenygram then .about the paypal yes i am a paypal member but the problem is the receiver must join the paypal as well which is bit complicated because the receiver is not much knowledge on doing this she dont know how to join paypal i told her many times but she is not keen