Please do not use this person. (or thing)
Not even sure anymore if it's a she or a he or even an it. If you research the IP address Carmen emails you from, it's actually in Scottsdale, Arizona and NOT the UK.
HSBC Bank needs to have this con artist reported. As well as they others he/she is in cahoots with.
Do your research, you will find a direct link with Jezebel (www.jezebels-love-spells.com) and Carmens (http://www.love-spells-witch.co.uk/). Try it use the way back machine (http://www.archive.org/web/web.php). Both contact me pages are EXACTLY the same. Even the approach and the words and lack of response once money has been made off clients.
Check the IP address you receive from Carmen, Frater Dantalion, Desmonda Chapman and if you got one from Jezebel check that too. There is a helpful website which shows you how.: http://www.johnru.com/active-whois/trace-email.html
However, it is up to you. No one can tell you what to do. Your life, your choices, but do your research. Dig deeper before you part with your cash as right now, if you are down, depressed, lonely, financially struggling and hoping Carmen can help...you may make a decision you will regret later. Trust. You will get cut off once you have been squeezed dry. No email responses. Try it and see, then email as a completely new client...Bingo! Instant email response.
Carmen is not based in the UK. Not a witch and not real. Great with words may even console you, but the people I know who have used her( or rather "it") are more depressed than ever.
However, up to YOU. All smoke and mirrors, all sounds good, but underneath...it's a snake.