Hi NannyPlum as everyone has said, your CM is totally within her rights to make these charges. Minders can be flexible and if she was already working AND had the space she might offer occasionally for you to swap contracted hours but not regularly. If she did, in effect she would be working on her days off for no extra money. Not many people would agree to do that.
I also agree that she might have plans or made appointments. I know it's hard but I only have 1 day off with no other children and I wouldn't give that day up even for pay. That said I have often allowed swap days when I am already working but def. as one offs or to help with difficult family circumstances.
I think perhaps your CM thinks that if she allows it once it might be seen as 'allowable' and then this would present her with difficulties in filling the vacancies she has on the other days. You never know if you reassure her on the one-off front and that you wont' make a habit you might get her to change her mind.
if you do what you've always done, you'll get what you've always got
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