my name is ***** ***** I will help you with this.
Sadly if they have overpaid you and its a mistake, as nice as it would be to keep it, the money does not belong to you
If you did not pay it back they could issue a County Court claim against you as a debt
So keep it to one side as you will need to pay it back
I am sorry if this is not the answer you want and certainly not the one I want to give you, but I have a duty to be honest
Can I clarify anything about this today please?
Yes I do not have the money in the bank as i am in debt so would I be able to pay it back in installments?
Yes you could do that if they accept it.
I am sorry its not better news.