Chrissy I copied the instructions from a post on another forum after Barbaras demo, which I missed:

Take a photo, it can be coloured or black & white,
photocopy it (the fresher the better she said),
turn the photo copy face down on the card you want it on,
using cotton wool dab nail varnish remover on to the back of the photocopy, do not get the paper too wet,
then take a tea spoon and rub, only rubbing in one direction,
repeat the nail varnish remover and rubbing 3 times,
lift the paper & the photo should have transferred on to your card.

I have not tried it yet but hope to do so soon.

Regards

Allison