When you have an accountant are references included in the service, I have had one reference sent to the bank and one company who called the accountant up but no reference given as I changed my plans, just had my tax return and accounts for the year invoice and I'm getting charged £100 for reference. Considering I am self employed , have 12 clients which I work all my incoming and outgoing costs, my car mileage and a straight forward house rental income. I see the accountant once a year to hand my figures in which are all tallied up, I feel I should not have to pay for a reference, what are your thoughts please?