Apparently over the last 6 months I have been accidentally overpaid £220. The thing is I'm going on a debt management plan, besides certain amounts I have allocated myself for food, fuel and absolute necessities every penny goes to my creditors. I'm pregnant and working reduced hours. Anything more than £20 a month will be completely impossible for me without not meeting my debt repayment amount and paying less, which isn't an option as I've just started it. Are my employers obligated to accept the £20 a month or will they demand the whole thing? I thought I'd finally gotten myself out of financial trouble with the DMP and reading this fucking letter this morning has broken me. Thought I was past the sitting on the sofa crying because I'm fucked financially... nope.