Universal Credit overpayment

Almost 2 months on from the overpayment letter and have not heard a thing since.

It is now over 6 months since the claim closed and the journal has disappeared from the online account (when i click journal it no longer takes me to the journal but, instead, to a message saying the claim was closed in November)

But i can still see the entire payment history. Is that normal? There is still a UC account to log into - it doesn't just say no account exists under that username?

Does the UC account ever disappear entirely?


Also - as no journal seems to be there now - does that mean any future correspondance from DWP will be by letter? (ie if they decide they want more money back?)

In a seperate (but slighly related!) matter, my son and I had a bad experience with HSBC yesterday on their phone line. This is a joint bankaccount in both our names but they would not allow me to order a new debit card for my son.

I passed the phone to him as he can speak and is perfectly able to confirm simple details name, date of birth, home address etc.

But that was not enough for hsbc who started asking questions like the 3rd and 8th digit of his card number (too hard for him) and then wanted him to say where a £110 debit went to on 14th july.

No such amount went in or out of the account on that date. I took the phone off my son, pointed out it is a joint account and i would answer the questions.

But, no, that was not ok. Failed security, no debit card and we now face a 4hr round trip by bus to our nearest HSBC branch with photo ID!!!!!



I am still furious and i made a complaint already. Bearing in mind the account is in my name too, they had spoken to my son plus we were only ordering a debit card to be posted to the home address.


The entire reason a joint account was set up was so that i could address these sorts of things and i have never faced this before. The account has been open 9 years with no issue.


Anyway - i would close it but for the fact that UC could come looking for old bank statements and it will be easy to get them from an open account but not a closed one.



And then i thought - i wonder if dwp has put some kind of marker over our account. It did seem ridiculous with security and asking about a transaction that does not exist.

We have a booked appt at the branch next week so no doubt all will be revealed. I will take evidence that my son is under a legal guardianship. There are no financial powers but i do have welfare powers and ordering a debit card might fall under that.

Whatever, they will see that putting a mentally incapable adult through the nth degree was totally unacceptable for the purpose of getting a new debit card. He already has a debit card which is damaged. It was simply a replacement.