i don't look at my bank statements as i have an app that gives me a balance. If there is money in the bank then its there, i don't check statements they are filed the minute they arrive. Yes there is a possibility I've misunderstood the phone call and I've admitted to that. Things were a bit chaotic then...we had moved house 6 weeks before, then husband was reduced to a 4 day week, daughter was in the middle of a diagnosis for CFS, our now 5 year old had and still hasn't slept a full night in his own bed and my oldest has quite severe adhd and Aspergers. i find it hard to hear when on calls to call centres as theres so much noise so yes definitely i could of misunderstood. I am repaying the money already but my biggest concern is what will go onto my enhanced DBS if i receive a caution. University is my dream and competing my nursing degree is going to benefit myself and my family, i don't want to have to quit cause of this