I've let my tax credits lapse because I don't want to claim universal credit. I was looking for a job so knew I wouldn't need it when the deadline for claiming came around. As it happens I have been overpaid but they have given me no indication of how to repay this. They said it would come out of my future payments but there won't be any. AIBU to wait for them to contact me again with payment options. I really don't have time with starting work etc to sit on the phone for ages.