Sorry, I did not get notification that I had received replies to my query;thanks for your offer and I have been in touch with TorFX but I can't go ahead because I am not at home and I do not have any "paper" bills (nor do I have any at home anyway !) to send as proof of residence.
Because of UK legislation, TorFX cannot accept email/electronic invoices ; the odd thing is that you scan and email your paper bills as proof of residence, but their software can tell the difference between a scan of an original paper bill and and an electronic/email invoice/bill.
So at the moment, and mainly because I was able to satisfy their ID and proof of residential address, it is between Worldfirst and CurrencyFair. (rules are different for companies registered in Ireland : electronic bills are acceptable).
Thanks for everybody's help and advice.