Final post to wrap up this thread. I had my caution, it was a really quick procedure, I basically just signed a form admitting the offense. The person I saw was the fraud manager, they told me that after reviewing all the evidence it was decided that although I was over the prosecution limit, a prosecution would not be in anybody's interest. The whole thing from IUC to receiving a caution took two months. I have paid everything back. The people who dealt with me were all lovely, kind and patient. I just wanted to pop by and thank everyone who has taken time to read or reply to

Hi, I would listen to the advice that Bank Fodder has given you. We are making progress and the help and advice I have been given has moved me forward more in three days than it has in three years. It is stressful but once you start making progress it eases as you feel you are not alone in this struggle against one of "The Big Six" as they like to be called. Take care, good luck. PC

Thanks to oldrouge subbing as about to investigate reclaim. Well done for being successful todate - from £24 to £900 is a result and if you feel confident keep going.

Section 25 of the attached document might help. [ATTACH=CONFIG]54371[/ATTACH]

As far as I know state pension stops being paid to the deceased when he/she, well, deceases. Any allocation of private pensions usually goes to the person that the deceased has nominated in his/her will. Failing that, next of kin, if the pension is to continue and nobody contests it. In any event a widow will be entitled to her own state pension based on her earnings plus a top-up called Pension Credit to bring it up to a level that has been determined is necessary to live on. At present, if there is no other income, that level is £148.35 It may be advisable to seek legal

Here you go, link to the benefits forum. http://www.consumeractiongroup.co.uk/forum/newthread.php?do=newthread&f=160 HB