It has effected me greatly, the first notice i got was a letter of demand from Probe, then two days later i got a threatening phone call telling need to pay within days. Highly stressed i took my mother with me to Centrelink to find out what had gone on. Only to be told that once it was in the debt collectors hands they could no longer help me and I'd have to deal with the debt collector directly. I then left centrelink and applied for a credit card to pay off the debt so i didn't have a bad debt against my name. Never have i been given an explanation or itemized lay off overpayment amounts and dates.
Extremely annoyed, i bet government ministers would like to pay a bill without any explanation !!