I now variations of this has been mentioned but couldnt Giffgaff open a store up on Ebay. Selling PAYG handsets with cash. Given members get paid payback to Paypal and ebay uses Paypal. They could offer budget end lines that is affordable to the masses and would encorage members to join. Plus gives the end user protection under ebay guarantee policy given the terrible service that been given by UKMail to get another carrier to send them out with.