Sorry about the duplication. I didn't see page2, so thought my second question hadn't been answered. Only realised my mistake after submitting duplicate. Only joined yesterday, so new to the Forum. I've already had a lot more help from you people than the so-called "Professionals" at the local JCP! Thank You.
Thanks also to Bev for your reply. I could go on Pension Credit but I would get nothing after working and paying Tax and National Insurance continually for 46 years, just because I saved a few bob out of my meagre wages and my wife gets a pension from her old job. C'est la vie!