Hello my name is ***** ***** I will help you with this.
For now please let me know whether you accept you have been overpaid?
Hello Alex, thank you for getting back. The answer is actually yes and no..yes because they did a calculation not having all the info required but no because 1, I didn't know this fact, means I didn't take any advantage of it for myself. 2, All these money went directly to a landlord and honestly we were struggling anyway to manage financially with only one ( my) income of less then average value at that time.
Simply put if you give to a hungry person a slice of bread and he eats it because it is his only survival and then u ask him to give you a half back, he has to go to get that bread again from someone else because he has no bread to give you from. And he was far from being full after eating your bread so has such a person been given 'more then he deserved'?
Sorry for maybe stupid answers i'm just trying to understand what was our situation and why it was difficult for me to take it as a 'debt' or overpayment..
No never, i was very unexperienced and didn't really know what steps to take
I don't have the letter with me but it was October 2011, I stopped repayments in early 2012 ( March probably) since that time I've been receiving post reminders (ignored them) and then I eventually changed my address so not receiving anymore
Did you inform them that you had changed address?
Hi i checked the letter and the last notice was made on 21 March 2011, i can resend the letter in attachment tomorrow, i didn't inform them about the address change. I didn't want to stay notified..sorry for my delayed response i was travelling abroad today so no internet access..
Ok, if you can attach it that would be great.