Thank you so much for reply Jan. I forgot to ask a important question; My DMP comp has naturally been trying to reach me and left messages. I feel so guilty as they have been ever so nice over the years etc..and Im such a considerate person indeed! Do I ring them and say that I've reach 'the end of the line' and that I will file for BR...will they treat me ok...? Or do I say that I just haven't got the money this month...does that happen and do they accept that at all??