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    I agree the different ages can be very frustrating.

    I believe that everything that qualifies for a child's rate should continue until they are 16 as that is when they can leave school, they have no choice before that.

    With regards to his accounts, I do not know what his disability is so cannot comment. My 17 year old grandson has been looking after his account for over a year with no problems so far.

    I went to work when I was 16 and definitely did not consider myself a child at that age as I was earning the grand sum of £5. 2s. 6d. a week.

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