When someone comes into your store to transfer some money and the transaction has posed no problem in the past, it is vexing to get a screen prompt in big letters saying ‘credit limit exceeded’. “What does that say to customers?” asks Hitendra Patel (Costcutter, Harold Hill, East London).

Then he has to ring MoneyGram and get them to clear it. What the message should actually say is ‘trading limit exceeded’ and what MoneyGram should do is put Hitendra’s trading limit up because the service is getting more popular. He has a trading limit of £3K and if he does several transactions that level can be exceeded.

“I rang them up and they said the computer had blocked it. I said who put the limit in? And why not put it up to £4,000?”

Perhaps there is some sort of blanket security reason but, given that MoneyGram manages to whizz zillions round the world to more than 200 countries via 350,000 agents within minutes, you would think it would be a simple matter to up the ante in Hitendra’s case.

I was also surprised at how readily available the service is. I’ve discovered that there are four agents in the shopping parade no further than a hundred yards from where I live. But, as Hitendra says, it’s not surprising because he makes somewhere in the region of 16% on the service.