This is perfectly logical and I completely understand why they have done it.
My direct chat fee has increased overnight from 1 credit per minute (£1) to 1.20 credits as has 24 hours access to my private pictures.
The way they are vigorously applying VAT is amounting to 40p in the pound, not 20p in the pound.
The monies are being applied twice under the same VAT code.
I will put this into very simple terms Client Uploads £10 and spends 1.20 credits to view my gallery.