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Official error overpayments can be identified in various ways. For example, sometimes when the DWP reviews someone’s circumstances, an error comes to light. In most cases, as soon as we identify an official error payment and it is decided that recovery is appropriate, we will notify the individual. However, my noble friend will understand that sometimes it is right to take time to consider whether recovery is appropriate. Those decisions are made in line with not just the policy intent but the principles and guidance set out in Managing Public Money, so that can take longer. When they are notified of a recovery, individuals are encouraged to contact the debt management team if they are experiencing financial hardship. Officials then have the option to reduce the repayment amount, extend the period or suspend it altogether, depending on a range of circumstances on which I will say more in a moment, including how the debt arose.