If you don’t pay your sundry debt
We will send you a reminder if you do not pay your debt, or you pay late. The reminder shows how much remains outstanding and when it needs to be paid by. If you continue to miss payments or pay late, we may have to take further recovery action against you.
If you have not repaid overpayments and you are a homeowner, we can place a charge against your property so that when you sell it, the overpayment (including costs) will be paid from the proceeds of the sale.
We currently use external debt collection agencies to act on our behalf to collect unpaid sundry debts.
We can apply to the court to petition for you to be made bankrupt if your debt is more than £5,000.
A third-party debt order is usually made to stop you taking money out of your bank or building society account. The overpayment owed is then paid to us from the account.
If you are employed, we can ask the courts to collect the money you owe directly from your employer.