I MAY be naive in thinking that applying for Pension Credit would not affect housing benefit and/or council tax.

I did not know that there are two types of PC.

The purpose of writing this letter is to let senior citizens (I am sure many will be unaware) know of this. Some of my friends, even before I learned of this, told me of their fear of applying, smelling a rat.

I may be flogging a semi-conscious donkey, but at least I did not know!

BILL AUSTIN, Bute Road, Blackburn.