We traded our free hotel nights that we weren't going to use for £40 of Love to Shop vouchers. This seemed like a good idea with Christmas around the corner and a baby to buy presents for. OMG! WHAT A NIGHTMARE, we wanted to use them for an online purchase, it says you can convert them online so you can use them towards an online purchase. It charges you 10% to do this. But then instead of a voucher code that you can use towards a purchase, it gives you card details, so you can only put them towards something costing exactly the same or less than the voucher value. Also has to be used in 2 months or it expires!! Looked into moving the value back onto the original cards, so we can use them in store, this costs you another 10%!! Absolutely disgusting, you are scammers! Now we are stuck with a useless master card, at a lower value, its going to cost us again to move it back. You should be ashamed!