Yeah I ment Thursday. Just so anyone else in this situation knows apparently with Natwest you can pay money into your account to cover a DD thats coming out that same day. I paid cash first thing this morning and the woman at the desk said it'd definitely cover the DD. Thanks again to those who replied, I just watched a dispatches program about debt collectors and I thought of this place. Not in that situation myself but its nice to know advice is here 24/7 for financial problems. You guys deserve a medal!

As much as I'd love to talk to them(!) I have no landline and no phone credit at the moment. Hopefully your right and it'll be fine, thanks very much for your reply. I'd be lost without this forum!

Hi, I am having some financial issues and have just realized that I don't have enough money to cover a direct debit which is going to come out of my account tomorrow. I am £4.19 short. I've looked around but can't find a straight answer. If I pay £5 into my account first thing in the morning will it cover the DD or will I be charged? I've heard Natwest has a 2.30pm cut off point but other people contradict this. I've gone overdrawn several times and have been trying hard not to, I seriously haven't got the money to cover more charges. Thanks for any help.

Hi, I am asking on behalf of a family friend who is having some problems. Its quite confusing so I'll try and be brief. She started divorce proceedings and rented a flat at £270 a month, went onto Incapacity due to mental illness. She got Income support, full rent payment and council tax. On Dec 2nd she saw the benefit Dr who screwed up her interview and said she was fit to work, as a result of the stress and previous problems she ended up on a psych ward twice. She eventually won a tribunal, in under 10 minutes on March 30th. She got an £80,000 settlement from the divorce and on Feb 2nd got the money and spent £54,000 on a house that needed lots of renovation, easily enough to take up the remaining settlement money. On the same day her benefits stopped, no letter to tell her they just stopped. On the advice of the advocacy center and by request of the benefits agency she continued to send in all recipts from the work being done on the house and the money being spent. A few weeks ago the sent her an Income support REVIEW booklet, she sent it back and didn't hear anything so today she rang up and was told that from the dates of Feb 2nd until now she wasn't entitled to anything because she has too much money. Meaning that for that period all her rent and council tax was invaild and must be paid back. They also said she didn't need to send in the recipts after all because they won't make any difference. The work in now complete on the house and she almost has the last bill paid, waiting for it to arrive. Any money left (and its not much) is going to be spend on carpets and two heavty gas and electic bills. In short she cannot afford the repayments. On top of that they said that while they did send a review booklet she actually needs to start a new Income support claim. I think thats everything! I know its long winded and a bit of a mess but any advice would be very helpful. Basically we need to know if theres anyway she can avoid repaying the rent and council tax, its simply too much money and considering she isn't actually getting payments at the moment. It is very unfair, it seems like they expect her to be able to spend her divorce settlement twice, once to do the house and again to live on. Thanks for any help

Hi, I have been on incapacity benefit for two years and have just gotten a review form for year three. I'm claiming because I have had psychosis for many years. My condition hasn't improved, quite the oposite in fact. On a bad day I am totally convinced that the devil has put me into this reality to punish me and that he's sending people after me, following me and trying to hurt me. I also believe God is sending me messages through street signs, car registration plates and conversations with others. I can interpret these messages because he has given me a special power to do so, meaning I can filter out the irrelevant and understand what he's saying. There are many more things involved and it takes up all my time and concentration. On a good day I still experience the same things but there is a very small part of me that knows its an illness. But my good and bad days are everyday, not every now and then. At 24 years old its pretty much all I know of day to day living and find it impossible to 'act normally' as I've been advised in the past. My concern is that they might call me in for a medical and because of what I've read on here about them I'm very worried. I've looked over the questions and scored myself honestly and I got 28 points. However people keep saying their answers were ignored and changed. The only medical I ever had was to get yearly reviews (and not sick notes) and the doctor was extremely nice to me but I have since heard of another doctor there who is vicous and blatantly misses out questions and then answers others for you. I'm also scarred because the last time I saw my GP was about 9 months ago and he told me that if I "don't start to show improvement something will happen whether you like it or not". He also gave me sleeping pills which made me ill. I can't tolerate being with people for more than a few minutes a day and spend most of my week alone as I rarely feel safe enough to go out. I have gone days without food as a result. Threatening to section me has convinced me to never go back to him. But this also means I have no up to date doctors evidence or medication to back up what I'm telling them. I worry they'll think I'm making it up or just want me off their books. I should mention they know I've been diagnosed as psychotic. I carry a knife for protection when I go out but on the back of the form it says something about contacting the police if they feel it is required. How can I tell them the truth if it will get me into trouble? If I get called for a medical I know where my local advocacy center is and will contact them but I'm hoping someone on here might be able to offer some insight so I don't spend the next few weeks worrying myself into more delusions. PS - Sorry about the long post, just trying to give you guys the story.