Thanks for replying, I know it is a bit tricky – I will answer some of your questions you have raised…
So my income normally comes from a salary I pay myself then dividends on top of that depending how the business is doing. My NI contributions are fine for the years previous as I paid NI etc through PAYE though my company.
Sorry to hear you also suffer from pain, it is a nightmare and something you don’t really realise the extent of until it happens to you!
It is still a few months before I go on maternity leave so I am ok for cash just now but want to sort out the monthly bills concern before I go on ‘maternity leave’, it is bad with the pain just now I am limited to how much research I can do on the computer/phone etc – I would imagine once baby is born I willl have no chance :/