Thank you so much BG. You are so helpful. I might pass on via email to some friends if that is okay with you??Might dave them calling up CL/FAO.

I have a question regarding income estimations if you have time to answer.

I am the higher income earner and I estimated my income at $38000. DP's was estimated at $20000. So combined we had an estimate of $58000.

I earnt higher than my estimated income but DP earnt lower than his estimated imcome. So combined we only earnt $54000.
So overall we are lower than our combined estimated income.

Does this mean that we may be entitled to more money back from FAO because the lower income earnings (which I believe a lot of the rates are often based on) was much lower than the estimate?

Also one other thing to do with CCR and CCB. I forgot to contact FAO in regards to how often I want to have my payments made or if I wanted them directly sent to my CC centre. Iknow I can not change online, but if I was to call up FAO, can they change it or shold I just not bother trying anymore?

I should have been organised but between work being so busy and getting sick, I completely forgot!