I've been through this twice now. Both times it was obvious to me where the mistake lay in their algorithms and I was able to explain it. But I was told I had to prove it anyway.
Both debts were 100% waived but after a painstaking wait.
The impact on my mental and physical health was profound.
The process was stressful, frustrating, time consuming, resource intensive, and I lost lots of sleep.
Worst of all is the damage it did to my sense of security and place in society - I felt a criminal, I felt like I was in an abusive relationship, I felt intimidated, humiliated and at mercy to their every whim. All while being utterly dependent and vulnerable.
I eventually suffered a Psychotic Depressive episode (I've never had this before) and am clawing back my health and now under the care of Psychiatrist and MH professionals and taking 3 new meds. It costs hundreds in script and gap fees and this is on top of my existing physical illness expenses for which I get the DSP.
I feel like a sitting duck to whatever dirty tactic they want to employ next - I feel like they just want us to just die.
They are being extremely authoritarian, intimidating and sneaky gaslighting people making them feel like criminals and baffling them with complex processes, putting pressure on them. I believe a proportion of debts recovered are not real debts, just people giving in to pressure to quickly pay.
I can't believe our government can act like this. I can't believe an algorithm with obvious flaws and biases can be allowed to ruin people's health and take their money fraudulently.
Worst of all, people don't complain because they are in genuine need and scared to lose the support. This is abuse of the most vulnerable.