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And yet we're meant to have moved on from the "cottage industry" type club ..... current experience suggests not.

That's a very naive attitude to hold. I'm not a STH as circumstances don't allow it but when I was in work I was paid on the last day of the month as is my partner. On that day a standing order transfers money to our joint account to pay all the bills ( a majority of which go out on the 1st )...