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  • FIRST POST
    • cyrilregis
    • By cyrilregis 19th Jun 17, 4:56 PM
    • 10Posts
    • 0Thanks
    cyrilregis
    Dwp debt managment overpayment
    • #1
    • 19th Jun 17, 4:56 PM
    Dwp debt managment overpayment 19th Jun 17 at 4:56 PM
    Hi All,
    I have a debt to pay back to the DWP and this was going back since 2004-2006.

    I have paid back over over 3000 -4000 back to DWP, but i have still outstanding DEBT of £10,984.

    i am currently paying £10.00 a month, but i do not know how i am gong to pay the complete debt off.

    Is there a compassionate reason they can waive this Debt off, as it gone over 11 Years.

    I am currently out of Work and find it difficult to increase the payment and finding this debt to pay off.

    Too many issue within the family due to financial issue.

    Many thanks for looking at the post and replying.
Page 1
    • Richey_
    • By Richey_ 19th Jun 17, 7:49 PM
    • 217 Posts
    • 248 Thanks
    Richey_
    • #2
    • 19th Jun 17, 7:49 PM
    • #2
    • 19th Jun 17, 7:49 PM
    Hi All,
    I have a debt to pay back to the DWP and this was going back since 2004-2006.

    I have paid back over over 3000 -4000 back to DWP, but i have still outstanding DEBT of £10,984.

    i am currently paying £10.00 a month, but i do not know how i am gong to pay the complete debt off.

    Is there a compassionate reason they can waive this Debt off, as it gone over 11 Years.

    I am currently out of Work and find it difficult to increase the payment and finding this debt to pay off.

    Too many issue within the family due to financial issue.

    Many thanks for looking at the post and replying.
    Originally posted by cyrilregis
    If I am honest you are unlikely to get a nice answer here under the circumstances.

    You were overpaid best part of £15,000 of tax payers money of which you having nothing left to show for it (savings) and presumably lived very well on and now you want the debt wiped for "compassionate reasons?" Can I ask how you managed to get so much in debt to DWP, was there fraud involved?

    I wonder what would happen if I contacted my mortgage company and say look I have paid off roughly 30% of my debt, please can you now just wipe the other 70% on compassionate grounds? I can picture the person on the phone falling off their chair with hysterical laughter!!

    Take any job you can find and work hard and work very hard to clear the hard way to clear your debts. I left uni unemployed with circa £15,000 in credit card, loans and over draft debts. I worked and I worked until I paid the full amount off, I even worked at McDonald's whilst waiting for a career job to start, didn't matter where I would have taken anything to service my debts. I had no holidays, expensive meals and drove a very old car whilst putting all spare money at the debts. One of the toughest lessons I ever learnt, but have never been in debt since....

    There must be work available where you live if you will take anything and work hard? Do well and I am sure this will lead to pay rises and better jobs in the future, which over time will mean problem sorted. Good luck
    Last edited by Richey_; 19-06-2017 at 7:54 PM.
    • fatbelly
    • By fatbelly 19th Jun 17, 10:31 PM
    • 11,222 Posts
    • 8,391 Thanks
    fatbelly
    • #3
    • 19th Jun 17, 10:31 PM
    • #3
    • 19th Jun 17, 10:31 PM
    There's an important question in Richey's post. Is this a fraudulent overpayment?

    That is defined as: being found guilty at court; accepting an administrative penalty; admitting the offence at an interview under caution.

    If one of those apply then no form of insolvency will clear the debt - the best you can get would be temporary relief.

    If it's not fraudulent, have a look to see if you qualify for a Debt Relief Order.
    • cyrilregis
    • By cyrilregis 20th Jun 17, 11:12 AM
    • 10 Posts
    • 0 Thanks
    cyrilregis
    • #4
    • 20th Jun 17, 11:12 AM
    • #4
    • 20th Jun 17, 11:12 AM
    Thank you for your reply.
    Yes i was on Income support and some years i was on Jobseekers.

    The money i had in the bank belong to my previous work colleague who was single/ Separated and he did not want to put the money in his account due to he had issue with the marriage , where he was going through divorce.

    But due to His money, i had in my account and could not prove it, they classed as fraud and over payment had to be paid back.

    My friend who is now Deported back and now he is struggling with financial, as he no longer lives in this country and i am lumbered with this debt due to keeping his money and did not think at the time of this circumstances or this situation would happen.

    So There is no if or but and i have to pay this debt off. I know for now i have to be careful not to help, as i am too naive and i can not say No and it is causing friction with my wife now.

    Where i i work it is always temporary work or the work is outsource and keep being made redundant.

    Much appreciated for your replies and looking into my case.
    • StopIt
    • By StopIt 20th Jun 17, 11:41 AM
    • 864 Posts
    • 795 Thanks
    StopIt
    • #5
    • 20th Jun 17, 11:41 AM
    • #5
    • 20th Jun 17, 11:41 AM
    Yikes. Aside from the obvious money laundering/divorce payments avoidance you helped commit, you also made the DWP think you had undeclared assets?


    I think any claims for compassion would fall on deaf ears, considering what you did, knowingly unlawful or not.


    You say where you work is always on a casual basis, is there no other lines of employment you can look at? Rolling agency work is still work and if you're flexible, usually pretty constant depending on where you are.
    • cyrilregis
    • By cyrilregis 21st Jun 17, 10:30 AM
    • 10 Posts
    • 0 Thanks
    cyrilregis
    • #6
    • 21st Jun 17, 10:30 AM
    • #6
    • 21st Jun 17, 10:30 AM
    Thanks Guys for all your advice.

    How does the temporary relief works ?

    what is the debt relief order and how does it works ?
    • sourcrates
    • By sourcrates 21st Jun 17, 10:34 AM
    • 11,905 Posts
    • 11,402 Thanks
    sourcrates
    • #7
    • 21st Jun 17, 10:34 AM
    • #7
    • 21st Jun 17, 10:34 AM
    Thanks Guys for all your advice.

    How does the temporary relief works ?

    what is the debt relief order and how does it works ?
    Originally posted by cyrilregis
    Use Google !!!!
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
  • National Debtline
    • #8
    • 21st Jun 17, 11:33 AM
    • #8
    • 21st Jun 17, 11:33 AM
    Hi cyrilregis


    Do you know whether the overpayment was treated as fraudulent? As previous posts point out this is essential to know.


    There's an important question in Richey's post. Is this a fraudulent overpayment?

    That is defined as: being found guilty at court; accepting an administrative penalty; admitting the offence at an interview under caution.

    If one of those apply then no form of insolvency will clear the debt - the best you can get would be temporary relief.

    If it's not fraudulent, have a look to see if you qualify for a Debt Relief Order.
    Originally posted by fatbelly

    A Debt Relief Order (DRO) is a form of insolvency that gets most debts written off, but excludes fraudulent debts. The main conditions you must meet are having less than £20,000 debt, having less than £1000 worth of assets, having less than £50 per month available to pay towards your debts, and if you own a car it must be worth less than £1000.


    You can find more information here https://www.nationaldebtline.org/EW/factsheets/Pages/debtrelieforders/droadvice.aspx.


    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • EssexHebridean
    • By EssexHebridean 21st Jun 17, 11:39 AM
    • 7,774 Posts
    • 40,218 Thanks
    EssexHebridean
    • #9
    • 21st Jun 17, 11:39 AM
    • #9
    • 21st Jun 17, 11:39 AM
    Get a copy of your local Yellow Pages, go to "Employment agencies" and visit/call every single one to get registered with them. You will get enough work to improve your situation, so long as you're prepared to do whatever it takes.

    I think the most important lesson to be learned from this is DON'T knowingly help someone else to evade their financial responsibilities as it may come back to bite you on the behind.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • fatbelly
    • By fatbelly 21st Jun 17, 2:25 PM
    • 11,222 Posts
    • 8,391 Thanks
    fatbelly
    A Debt Relief Order (DRO) is a form of insolvency that gets most debts written off, but excludes fraudulent debts.
    Originally posted by National Debtline
    Technically they're not excluded, as they have to be listed, and count towards the 20k limit. It's just that they're not written off at the end of the moratorium.

    Cyril says this one was fraud.

    A DRO might still be worth doing if it clears other debts and at least gives 12 months respite from the big one.

    But you need to look at the big picture
  • National Debtline


    Apologies Cyril I missed in your earlier post that you said the debt had been classed as fraudulent. Fatbelly is quite right the debt would still have to be included in the DRO but it wouldn’t actually be written off. Sorry for any confusion.

    Susie
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • z1a
    • By z1a 21st Jun 17, 6:21 PM
    • 637 Posts
    • 490 Thanks
    z1a
    "Is there a compassionate reason they can waive this Debt off, as it gone over 11 Years."

    Hope not!
    • EssexHebridean
    • By EssexHebridean 22nd Jun 17, 10:38 AM
    • 7,774 Posts
    • 40,218 Thanks
    EssexHebridean
    "Is there a compassionate reason they can waive this Debt off, as it gone over 11 Years."

    Hope not!
    Originally posted by z1a
    ^^^

    See above for a prime example of "if you have nothing constructive to say, say nothing".
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£504.92 (29/08/17)
    • cyrilregis
    • By cyrilregis 23rd Jun 17, 3:45 PM
    • 10 Posts
    • 0 Thanks
    cyrilregis
    I like to thank you all for all your advice and help.

    i will apply for DRO and take it from there.

    if i have any issue i will get back to you, as you were very helpful.

    Top team and forum
    • cyrilregis
    • By cyrilregis 23rd Jun 17, 4:14 PM
    • 10 Posts
    • 0 Thanks
    cyrilregis
    Just spoke to Citizen advice bureau on live chat and they said DRO will not wipe the debt off.

    They can lower the payment, but can not wipe it off.
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