Spent most of the afternoon fighting with the Bank of Scotland internet banking with no success.
Fortunately I also have a Virgin Money a/c with enough in it to pay the bill so that worked ok but then I tried to transfer some from B of S to Virgin to make it up again and failed completely.
If you are ever tempted to get a B of S internet a/c my advice is certainly do not even think about it.
I used B of S internet banking to pay contractors doing renovations in a flat in Aberdeen which worked ok but the system has now got so secure you cannot use it for anything.
I wil need to change my working account to B of S to try to build up the Virgin one which was my working account.
Be warned.