To answer your other question, I didn't appeal at the time as they explained that there had been a genuine overpayment.

Thank you for the quick reply. The sum is £6800. I don't remember the exact timelines, but the overpayments were made for a period of about three years to my Income Support, until about three years ago. It was entirely their fault. I believe they added some supplement to my Income Support benefit incorrectly and I had no idea at the time it wasn't meant to be added as the calculations are complicated. I am no longer claiming benefit because I am not actively seeking work as I am tied up studying and looking after my father. Do you think they would pursue it if I didn't respond to the latest letter?

Could somebody please help with an issue I'm having. I've received a couple of letters from the DWP recently saying I have been overpaid benefits over a number of years, ending a few years ago, because of a mistake in their calculations of how much I was due and therefore I must repay them. The sum totals a few thousand pounds. I am aware of this situation from before, and I was paying back a sizeable sum each week when I was on benefits. However, I am no longer on benefits and am very short of money, as I don't have an income. I am now a part-time student and I look after my elderly father who is quite ill. I get by on a very low expenditure, with money my father gives me from his pension (spending about £5 a week on my groceries for example). The letters are becoming more forthright. The latest one I have just received states: "DO NOT IGNORE About the £xxxx owed We have contacted you about paying back this money You must make a payment by xx/xx/xxxx Please do not ignore this letter. This will not mean you can avoid paying back this money, and you need to contact us to stop any further action being taken" It goes on to say that they will consider recovering the money through the courts or "refer the case to a private company for repayment collection. You may have to pay additional costs if this happens, and your future credit rating may be affected" I am very worried as you can imagine. I simply don't have the money anymore. I don't know what to do. I know from past experience the DWP can be inefficient (even in their current letters they are commenting I am on benefits, which I haven't been for a long time now) and do you think they might pass over/'forget' this fairly old overpayment if I ignore their letters, including the one I have just received? Or will they continue to pursue it? If they will pursue it, what do you think I should do pls? I am very appreciative of any help anybody could offer please.

I am opening a new business, a sole trader. I have just opened an office at a new location so don't have any documentation addressed to that place. How can I prove my address to get a business bank account? Do all the business bank accounts require verification of address? I was interested in applying with the ones that offer free banking - Santander and Metro Bank. Thanks.

From my understanding there are hundreds of thousands of people that have set-up Bare Trust accounts for children. I'd like to set one up (with internet access) for my nephew. However, whenever I ring up any Building Society, none of the customer service staff have the foggiest idea what I'm talking about and different staff at the same Building Society give contradictory advice. Everybody I've spoken to says they can't be set-up. Which building societies allow Bare Trust accounts to be set-up please? What is the process of setting up a Bare Trust account? I'm happy to open with any of the following: Coventry Building Society West Bromwich Building Society Principality Building Society Newcastle Building Society Nottingham Building Society Progressive Building Society National Counties Building Society Manchester Building Society Cambridge Building Society Furness Building Society Saffron Building Society Leek United Building Society Monmouthshire Building Society Newbury Building Society Hinckley & Rugby Building Society Darlington Building Society Ipswich Building Society Market Harborough Building Society Melton Mowbray Building Society Marsden Building Society Thanks.