1. You have a good defence to the repayment of the money under the defence of change of position if you used the extra overpayment for living expenses. Accordingly, you should write back and state that you assert the defence of change of position to restitution of the overpayment because you used the monies for increasing your lifestyle. Additionally, due to the lapse of time, over 3 years, since they last contacted you, you should assert that the action is time barred owing to delay. Not all payments have to be repaid in law where there has been a good faith detrimental reliance on the overpayment which went in discharge of necessities. So assert your defence here.
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