Add additional reference fields to BACS file

Other solutions hold both a user reference and contra reference within the BACS option, so the client has a description on their bank statements and the recipient knows where the money has come from.

We would like to enter 2 references: 1 so the client knows on their bank statement what the payment relates to and 1 so the recipient knows where the money has come from.

We have had in the past major problems when this has not been set up correctly, especially those that have a large amount of activity on their bank accounts and also from the likes of GMB who can't tell what monies they have had.

Currently, the reference just shows the pay period.