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Your kidding surely....:D

I have not withdrawn cash at at ATM in over two years....:p I will go to the bank or get 'cash back' in a retailer such as M&S.

Yes indeed, that is another pressure you can feel. However I pack up briskly and do not organise payment until I am finished doing so and can focus on my transaction fully. I am acutely aware of another post on AAM where poster appears to have had card skimmed in supermarket and this as I...

Fair play to you :). However whilst I agree that some folks just bulldoze you in some hope that you will move on more quickly, but on some occasions I am aware that other customers know exactly that they are compromising you when you are paying and keying in your pin number.

It is in the supermarket that I feel most compromised really. Probably due to layout of till and pack up area. I will just continue to shield the keypad with opened out purse/wallet. Just a bit spooked in general when I read about Bank's attitude to fraud/theft.

Yes that would at least lessen the threat of an onlooker knowing your full number at a glance...

I take all the usual precautions with my laser chip & pin card number ie. it is consigned to my memory & not written down anywhere. However I have noticed when making a purchase in shops (always busy where I live!) that I feel uncomfortable and compromised when keying in my pin number. Example...

You could also depending on means be entitled to medical card, or GP Card. My advice would be to find out when your local Citizens Advice is open and a SW advisor is available to go through everything possible that you may be entitled to. Of course in the meantime log on to citizens advice...

I went along this morning to Health Centre with my sister to see CWO. The CWO was helpful and agreed that there is an obvious mistake in the figures supplied to SW. So, CWO will email SW accordingly and telephone my sis when this is done. Then she intends calling in to SW early next week, just...

Yes thrifty, it has not gone unnoticed by me that the 'refusal' was verbal on Monday... So I will approach the issue with this in mind also. "Get it in writing or it doesn't exist"! Thanks.

Yes I called Citizens Advice yesterday and was told what to do in the event of continued refusal and or inaction....

Yes full paper trail available. She has all her weekly receipts going right back to first SWA payment...

Yes, my sister requested a printout and was told that the CWO would have same information. However my sister persisted and got a copy of a communication between the two parties with a total figure on it, this figure is substantially overstated to the actual paid to my sister. This is the hub of...

Thanks very much for the information regarding 'accounting adjustment' and not actual monetary refund. I now know that an error has been made with the amounts supposed to be paid under SWA that the SW are basing their decision. Instead of sorting this out there and then liasing with each other...

Thanks Gipimann, thought I was right...:) However the woman filling in for the CWO this morning tried to convince my sister that the 'payment' between the HSE and SW ran from the very first day she presented herself as separated and without adequate means. So I knew this was incorrect...

Yes, Welfarite you would think it should be that simple.... I am taking the morning off on Thurs and I will accompany her. She went to SW office yesterday and at first was just told that 'no arrears was due' after some to do it was disclosed that a figure was refunded to CWO office (which is...

I'm not deducting 3 months. To clarify separated people are not entitled to LP for the first 3 months so SWA paid should not be included when comparing SWA paid against correct LP due... No rent supplement received. Indeed Mortgage Interest Supplement refused, Gippiman you very kindly...

I'm trying to sort out what appears to be a mistake made by CWO and SW when calculating arrears owed to my sister. I have drafted a spreadsheet of payments received from CWO from date of elligibility for LP and compared it to payments that should have been received if paid LP on time (there...

Well put.... Yep, the auld, sure aren't I still here routine....

Please clarify, are you saying it takes two and a half years from date of application to receipt of benefit?