Hello and thank you for your reply. Could you please advise me what would be acceptable evidence for a defence of change of position, as in my case it may be said that I have had insufficient time to increase my general living outgoings, although it must be said that I did have plans for the extra money.
I informed my pension privider on the lines you suggested and they claimed they did have the right to reclaim the money and that they had notified me as soon as the error came to their notice. They did not agree that my email, which they claim not to have seen, would have prevented them from overpaying in Devember. They propose to send me an invoice for the overpayment and use their legal dept to recover the debt. As it would cost me more to defend the matter than it is worth I shall have to settle with them.