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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

To think they should let the debt go?

177 replies

falulahthecat · 08/06/2014 17:49

I had a job at a uni in the finance dept. which started off as me coming in for 20 hours a week as an intern/dogsbody - then when a lady left on the purchase eldger because I was finding it all so easy they let her train me up for a couple of days and gave me her job. 5 months later my contract was due to end, I had a weeks holiday, then 10 days then my contract was to be renewed.
Being my first 'proper' job I'd stupidly not insisted on written confirmation, however everyone was so confident I'd be staying I'd even paid my £5 for the Christmas meal (2 months later!).

I come back off holiday and get "Oh, er we didn't clear it with HR and as it's the recession (it was 2010) we're not renewing any contracts that expire. You might be able to reapply but we're changing it to a position for someone with payroll experience blah blah".

So I had 10 days to find a job, which didn't happen. (In fact 2 years of unemployment and depression/anxiety followed, hurrah).

THEN they paid me the next months pay - and I went to the job centre next day to sign on and said the last time I was paid was yesterday and so my job seekers was delayed.

By the time I found out it wasn't mine (had stupidly assumed they wouldn't have made a mistake like that and it was either my months 'notice' or I'd been paid in arrears as my payment method changed after the first month) some was gone and I needed the rest for rent etc. until my jobseekers kicked in for rent.

2 years later they start chasing it up, using debt collectors etc. There's nothing in my contract saying it would become civil debt, and so the use of debt collectors is I believe, illegal. (Please correct me if I'm wrong, I got it from the CAB website I think).

I agreed to pay £5/£10 a month from my jobseekers allowance (I'm pretty sure even banks aren't supposed to use that for interest!) but after 7 months decided it was too much as unlike a lot of people we were getting only £400 between 2 of us and no housing benefit etc. - basically my family was having to pay our rent, it was a horrible time!

2 years later and a debt collection turns up at my parents address AGAIN.

I could just ignore it, but if they ring my Mum or turn up she won't deal well and I'll feel so very guilty.

AIBU to think that, in these partcular circumstances, they were dicks and should just let it go? :/ Just to say I've only just been able to find another permanent job (instead of temp/seasonal) after all this time, and have overdrafts etc. that need paying off, and we're meant to be saving anyways... ARGH!

OP posts:
brokenhearted55a · 08/06/2014 18:26

This reply has been deleted

Message withdrawn at poster's request.

whynowblowwind · 08/06/2014 18:26

Job seekers wouldn't have paid your rent anyway I wouldn't have thought!

Or maybe you should have lived under a bridge? After all, That Money Wasn't Yours. Bad OP. And they treated you totally fairly and honestly, after all ... you had plenty of notice and time to find another job. No one messed you about. And you got some money when you left didn't you?

Oh hang on ...

jacks365 · 08/06/2014 18:27

The principle is exactly the same

falulahthecat · 08/06/2014 18:27

WonderingAllowed

I think they've reassigned it as student Debt - which is why they're using a debt collector.

OP posts:
falulahthecat · 08/06/2014 18:29

whynowblowwind

I know, right? Silly me!

Now you mention it, JSA didn't pay my rent, had to borrow from parents/family, then move back home once tenancy was up which was fun!

OP posts:
falulahthecat · 08/06/2014 18:30

brokenhearted55a

I'm an astronaut.

OP posts:
brokenhearted55a · 08/06/2014 18:31

This reply has been deleted

Message withdrawn at poster's request.

LeftyLoony · 08/06/2014 18:32

Is there a reason why people are being unnecessarily nasty and using a hectoring tone?

WhatNowBrownHow · 08/06/2014 18:32

.

To think they should let the debt go?
whynowblowwind · 08/06/2014 18:32

I wonder why the company didn't contact the police, then.

falulahthecat · 08/06/2014 18:32

LeftyLoony

Just one person. Copy and pasting from the dictionary online ;p

OP posts:
WhatNowBrownHow · 08/06/2014 18:33

Because Lefty, it really buggers my budgie when people think that because something isn't beneficial to them it shouldn't happen.

I owe money! But instructing a debt collector is illegal!!!!

LeftyLoony · 08/06/2014 18:33

Nah. Defo ishoos.

expatinscotland · 08/06/2014 18:34

I'm Kim Kardashian.

I can Google, too.

Bearbehind · 08/06/2014 18:34

TBH, I decided you were BU when you said 'because I was finding it all so easy'

You'd have to have a pretty high opinion of yourself to write that.

You are in the wrong- they over paid you- they've worked out you weren't honest enough to tell them- you owe them it and they are well within their rights to peruse it.

falulahthecat · 08/06/2014 18:38

WhatNowBrownHow I'm stealing that! (No pun intended. Oh alright, a little one).

It's funny, I'm not asking anyone to tell me using the money was ok etc. (especially not high and mighty snobs Grin) what I'm asking is, considering I worked with these people, they 100% screwed me over, and I was 20 year old on the verge of being homeless, followed by 2 years of depression and anxiety attacks (which incidentally gave me a stomach ulcer from being sick so much - nice)
And considering I've only JUST this month found permanent work, am struggling my way out of an overdraft, that maybe, JUST maybe, they could have contacted me first instead of going straight in with a debt collector after they've incorrectly reassigned the amount as student debt....

What I'm asking is - AIBU to FEEL like they should just have let it go/not gone straight in with debt collectors.

OP posts:
falulahthecat · 08/06/2014 18:39

Bearbehind

I was given paper filing and repetitive admin to do because they were expecting someone with little education/admin skills, as it was an intern role. A trained monkey could have done it!

OP posts:
SelectAUserName · 08/06/2014 18:41

Unfortunately OP, whatever the moral rights or wrongs of the situation, the legal position is quite clear. You are required to pay back overpayments, even those made in error, or you are guilty of theft. However you are allowed to do so at a rate that is manageable.

You had a payment plan in place - so you accepted your liability of the debt. Then you decided it was too much so presumably just stopped paying, hence the subsequent chase-ups.

I'm not unsympathetic - I've been made redundant twice, had a house repossessed, spent years paying off the resultant CCJs so I know what it's like to be out of work with fuck-all money coming in. I can understand you were messed around, I can understand why you're still bitter about it. That doesn't alter the fact that as it stands, by not paying this debt, you are in the wrong.

Reinstate your payment plan - if they will let you - before you end up with a CCJ against your name which will make life even harder if you want future credit.

falulahthecat · 08/06/2014 18:42

Ok maybe not a monkey. But they were expecting a 16 year old out of school, but no one else had wanted to do it so I took it. It was one of those early 'initiatives' to make lazy young people work.

OP posts:
magpiegin · 08/06/2014 18:42

I'm not denying that life can be shit, and sometimes unfair but your luck in getting jobs and stuff does not take away from the fact that you owe them money. If you contact them you should be able to arrange a payment plan.

If you made a mistake and paid £500 instead of £50 to a company would you expect them to pay it back or write it off because it was your mistake?

jacks365 · 08/06/2014 18:42

Yabu to feel they should let it go because you know you owe it. Yanbu to wish they would but that's just wishful thinking.

They haven't gone straight in with debt collectors though, you made arrangements to pay it back but then defaulted on the agreement.

FloozeyLoozey · 08/06/2014 18:43

Op justify it morally all you want but legally it p theft and therefore yes you do have to pay it back.

LeftyLoony · 08/06/2014 18:43

Google images is good isn't it?

falulahthecat · 08/06/2014 18:43

SelectAUserName

I didn't just stop I was in communication with them via email on how much I was paying each month. They were aware, it's the fact they've reassigned it as student debt and gone straight in with debt collectors that's bugging me.

OP posts:
sunshinecity17 · 08/06/2014 18:44

Just ignore it .It's not worth their while taking you to court for £1000

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