HI Geroge
Unfortunately, we can't give people any guarantees about the best time to apply. I know people who have done it on the very last day and it went smoothly - but that was a risk they took. Most people want to try and get the last payment they can before applying, but others just want to know it's done and do it as soon as they get the notice.
BIS
Nothing on this board constitutes legal advice - always consult a professional about specific problems 
