Hi All Just to give people a small "ray of hope" I applied for Pension Credit and was refused. After posting my plight on this site and getting some great advice from Gordon (Admin) I downoaded the DWP's own Desision Makers Guide from "Asset Publishing" (It is free to download and use) Armed with this documentation, I made a Mandatory Reconsideration and quoted the relevant sections of the DWP paperwork. Straight away they have reconsidered and I have been awarded full Pension Credit. As I have now become a Pensioner and am on State Pension, this is so important as it is a "Benefit" and opens the door to Council Tax reduction, Mortgage Interest Support etc etc. I urge all members to check out these guides and a BIG "THANK YOUI GORDON!!