BENEFIT books are being phased out between 2003 and 2005. They are to be replaced by direct payments to banks, building societies or post offices to help combat fraud.

As I understand it, you just tick a box on a form to arrange payment to a bank or building society account.

However, to continue using your post office, you must tick a box, fill out an application form to get a swipe card, and use the card in conjunction with a PIN number. After all that you can only use the post office account for benefits, not general money transactions. Assuming you have a bank or building society account, which option is most likely to be chosen?

The £450 million of Government money being allocated, coincidentally over three years, to help rural post offices does not seem such a generous package after all.

S Beadle,

The Shrubberies,

Cliffe, Selby.

Updated: 11:01 Thursday, December 12, 2002