I have never heard anyone suggest that we [b:342ce45bf3]must[/b:342ce45bf3] use instalment recovery where there is ongoing HB, and this would in any case be undesirable:
Mr Jones has been overpaid by £500 – he is on JSA(IB) and max HB, so we are deducting £8.70 a week from his entitlement, which he obviously has to make up out of his JSA(IB).
Ms Smith lives next door. She has been overpaid by £500 and, as a standard claim, is entitled to £1.50 a week ongoing HB. If we had to recover by instalments, we could get £1 a week. But since she has a relatively high disposal income (compared to Mr Jones), it would be better to issue an invoice and get her to make an arrangement to pay at a higher rate.