In my experience, no amount of arguing with the first line PFD people on the telephone will be helpful if you make a mistake on the form or have extenuating circumstances.  You have to appeal, provide ALL the supporting evidence you have to the appeal group, and the appeal group will look at the information provided.  In my case, as soon as  the information was acted on by formal appeal process, my PFD application was honored ant the deposit was in my account quickly.  It's a necessary process due to the fraud rampant in today's society.  Unfortunately, it costs the PF substantial administrative costs to insure we aren't giving PFD money to unqualified people.