Casework Skills Test Question 25 – Assessing an affordable overpayment repayment plan
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Difficulty: Medium
Background
A customer owes an overpayment and has asked to repay less than the usual monthly amount. You are checking the affordability evidence before a decision is made.
Information provided
Repayment guidance
The standard minimum repayment is £20 per month. A lower amount may be agreed where current income and expenditure evidence shows that £20 is unaffordable.
Customer request
I can afford £10 per month and have attached my current household budget.
Income and expenditure record
Monthly income after essential expenses: £12.
Case note
A £20 monthly plan has been proposed but has not yet been agreed or issued to the customer.
Classify the statements
For every statement, choose Definitely True, Probably True, Cannot Say, Probably False or Definitely False.
Statement 1
The customer has previously missed repayments on this debt.
Classify this statement:
Definitely True Probably True Cannot Say Probably False Definitely False
Statement 2
The affordability record shows less than £20 available after essential expenses.
Classify this statement:
Definitely True Probably True Cannot Say Probably False Definitely False
Statement 3
The proposed £20 plan probably reflects the affordability evidence supplied.
Classify this statement:
Definitely True Probably True Cannot Say Probably False Definitely False
Statement 4
A repayment amount below £20 will probably be considered.
Classify this statement:
Definitely True Probably True Cannot Say Probably False Definitely False
Click to reveal the answers
| Statement | Correct classification |
|---|---|
| Statement 1 | Cannot Say |
| Statement 2 | Definitely True |
| Statement 3 | Probably False |
| Statement 4 | Probably True |
Members can unlock the evidence breakdown for all four statements, including why each classification fits and how to avoid unsupported assumptions.
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