Let me explain the issue. Firstly, I have been well capable of carrying out the Rule procedure you describe for about a year now. That's why I have 39 rules as I already explained above. I need no more instruction on how to implement rules, thank you very much on that.

Please see the attached photos to see beautiful examples of how random and ridiculous the Categories are that have been applied to my transactions. In particular, money IN is categorised as expenses. And even Intuit Quickbooks expenses are put in two different categories! HMRC VAT payment itself is 'Sundry expenses'.

HSBC Loans gets three ludicrous categories. 

This is not only EXTREMELY annoying but makes a mockery of the automatic catgorisation - why have it at all?  Or if you are suggesting I solve it by creating rules for every bank transaction I carry out - again, why have the auto categories? And - also - this is supposed to save me time but so far just creates more work. So please don't send me another auto answer but explain and fix this problem before I cancel and go elsewhere. Thank you.