Hello my name is ***** ***** I will help you.
When did you get the overpayment decision please?
Why have you waited so long before deciding to do anything?
Ok, you said it was last year but I may have misunderstood.
You can write back and say you want to appeal, this is your right.
The matter will then go before a tribunal who will decide whether you have been overpaid or not.
In short you have a right to appeal but only a limited time to do that.
Can I clairfy Anything for you about this today please?
You formally appeal. A review is different from an appeal. So you write back saying you want to appeal and it will go to tribunal.
Does that clairfy? Alex
If I could invite you to rate my answer before you go today please, otherwise the site does not credit me for the time spent with you today. Thanks and good luck. Alex