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As a Service Officer at Centrelink, I've witnessed numerous instances where debts have been raised incorrectly and payments have been granted due to administrative errors. It's frustrating for the customers involved, as it often causes confusion and unnecessary stress, often who are in vulnerable circumstances. Therefore, I've decided to create this guide to help users understand the process of waiving Centrelink debts caused by administrative errors. The guides' goal is to provide you with accurate and clear information to navigate the system and, hopefully, alleviate some of the burdens associated with these errors.
In this guide, I will introduce and explain the main sections of the Social Security Guide 6.7.3.30, which covers common administrative errors, guidelines for waivers, and the appeal process. By understanding these topics, you will be better equipped to handle any issues that may arise regarding Centrelink debts due to administrative errors. Specifically, we will discuss:

1. When a debt is attributable solely to an administrative error
2. What constitutes 'good faith
3. When a payment is 'received'

By the end of this post, you should have a clear understanding of the process and requirements for waiving Centrelink debts caused by administrative errors.
SIDE NOTE:-
Please feel free to contact me if any of this does not make sense, I am more than happy to help clarify any part of this, and provide some initial guidance on initiating a internal review.
I. Common Administrative Errors
A. Overpayments Overpayments
This occurs when Centrelink pays more than the eligible amount to a recipient. This can be caused by various factors such as incorrect income reporting, changes in personal circumstances, or errors within Centrelink's system. Overpayments can result in debts that recipients must repay unless they are eligible for a waiver due to administrative error.
B. Incorrect personal details
Another common administrative error is the recording of incorrect personal details, such as misspelled names, wrong dates of birth, or incorrect addresses. These errors can impact recipients' payments and eligibility for benefits. It is essential for recipients to verify their personal details with Centrelink and promptly report any discrepancies.
C. Inaccurate benefit assessments
Inaccurate benefit assessments arise when there are miscalculations of payment rates or errors in eligibility criteria. These can result in recipients receiving incorrect payment amounts. According to the Social Security Guide 8.1.1.70, delegates may apply the incorrect claim provision when a customer claims a payment for which they are not qualified, followed by a claim for a payment for which they are qualified.
Factors to be considered when determining if it is reasonable to apply the incorrect claim provision include the time between initial and second claims, qualification throughout the relevant period, and whether the claims are for similar payments.
Valuing assets is a critical aspect of determining eligibility and payment amounts. Assets are generally assessed at their net market value, which is the amount a person would expect to receive if they sold the asset on the open market, less any valid debts or encumbrances. Centrelink appointed valuers may be required for certain asset valuations, while for other assets, the person's estimate is accepted as reasonable.
New valuations can have different effects depending on whether they are higher or lower than previous valuations or a person's estimate. A higher valuation applies from the first payday after it is received. In contrast, a lower valuation follows the date of effect rules.
Market-linked managed investments and listed securities are valued and revalued according to specific guidelines. Initial valuations occur when a person's new claim is determined, while revaluations happen on 20 March and 20 September each year, as well as upon request or following a notifiable event that affects the investments.
II. Guidelines for Waiving Centrelink Debts due to Administrative Errors
A. Legal framework
The legal framework for waiving Centrelink debts due to administrative errors is established under the Social Security Act 1991 and the Social Security (Administration) Act 1999. The specific provisions governing Centrelink debt waivers can be found in Sections 1236A and 1237AAD of the Social Security Act and Section 6.7.3.30 of the Social Security Guide, titled "Waiver for administrative error debt."
B. Conditions for waiver
To be eligible for a waiver of Centrelink debt due to administrative error, the following conditions must be met:

1. Administrative error or lack of information provided by Centrelink: The overpayment must have occurred as a result of an administrative error on Centrelink's part or because the recipient was not given sufficient information by Centrelink to avoid the overpayment.
2. Good faith: The recipient must have received the payments in good faith, meaning they were unaware of the overpayment and did not intentionally seek to receive higher payments than they were entitled to.
3. Financial hardship: The recovery of the debt would cause severe financial hardship to the recipient, making it unreasonable to expect repayment.

C. Evidence requirements
To support a waiver application, recipients should provide evidence that demonstrates the administrative error and their good faith. This may include:

1. Documentation of the error: This can involve letters, payment summaries, or screenshots from the Centrelink system showing the incorrect information or calculation that led to the overpayment.
2. Proof of good faith: Evidence that the recipient acted in good faith can include records of correct reporting, communication with Centrelink to clarify any discrepancies or confusion, or any other documentation demonstrating that the recipient did not knowingly receive the overpayment.

By meeting the conditions for a waiver and providing the required evidence, recipients may be eligible to have their Centrelink debts waived due to administrative errors, ensuring that they are not unfairly burdened by overpayments caused by factors beyond their control.
III. FOI Requests
A customer can make a Freedom of Information (FOI) request with Centrelink to access their personal information, obtain documents related to Centrelink's decision-making processes, or access general information about the agency's operations. In many cases, to obtain a waiver due to administrative error, a customer may need to make an FOI request to obtain information held internally prior to initiating an debt waiver process. To make an FOI request with Centrelink, follow these steps:

1. Determine the information needed: Before making an FOI request, identify the specific information or documents you wish to access. Be as precise as possible to help Centrelink locate the relevant documents.
2. Check if the information is already available: Some information might be publicly available on the Centrelink website or through other public sources. It is advisable to check these sources before submitting an FOI request.
3. Make the request in writing: To submit an FOI request, write a letter or email that clearly states you are making a request under the Freedom of Information Act 1982. Include your full name, contact details (including postal address and phone number), a description of the documents or information you seek, and any preferred format for receiving the information (e.g., electronic or hard copy).
4. Send the request: Send your written request to the FOI team at Centrelink via email or post. The contact details for Centrelink's FOI team are as follows:

Email: [[email protected]](mailto:[email protected])
Post: Legal Services Branch GPO Box 9822
ACT, Australia

1. Await a response: Centrelink is required to acknowledge your FOI request within 14 days of receipt. The agency generally has 30 days to process your request and provide access to the requested documents or information. However, this timeframe may be extended in certain situations, such as if consultation with third parties is required.
2. Review the decision: If you are not satisfied with Centrelink's response or decision regarding your FOI request, you can request an internal review within 30 days of receiving the decision. If you are still dissatisfied after the internal review, you can appeal to the Australian Information Commissioner for an external review.

Keep in mind that there may be fees associated with FOI requests, depending on the nature and volume of the information sought. However, these fees may be waived or reduced in certain circumstances, such as financial hardship or if the information is in the public interest.
​
IV. The Appeal Process:
A. Internal Review

1. Request for Review: Should an individual be dissatisfied with a decision made by Centrelink, they may seek an internal review. This can be done by submitting a request using a designated form, online, or via telephone. The request ought to clearly outline the reasons for disagreement and any pertinent information that may aid in the review process.
2. Timeframe: The request for an internal review must be made within 13 weeks from the date of the original decision.
3. Possible Outcomes: Upon the conclusion of the review, the debt may be waived, reduced, or upheld.

B. External Review

1. Administrative Appeals Tribunal (AAT): If the individual remains dissatisfied after the internal review, they may seek an external review by appealing to the Administrative Appeals Tribunal (AAT).
2. Timeframe: An appeal to the AAT must be lodged within 28 days of receiving the internal review decision.
3. Legal Representation and Potential Outcomes: The individual may choose to be represented by a legal professional during the AAT proceedings. Potential outcomes of the AAT process include upholding, waiving, or reducing the debt.

C. Further Assistance

1. Free Legal Services: Individuals in need of legal assistance can access free services provided by organizations such as Legal Aid and Welfare Rights Centre.
2. Support from Financial Counsellors and Community Organizations: For further support, individuals may consult financial counsellors or seek assistance from community organizations that specialize in dealing with Centrelink debt and related matters.

Additional Resources:-
Legaslation/Guides:
https://guides.dss.gov.au/social-security-guide/6/7/3/20
https://guides.dss.gov.au/social-security-guide/6/7/3/30
http://www5.austlii.edu.au/au/legis/cth/consol_act/ssa1991186/s1237aad.html
https://fls.org.au/law-handbook/managing-your-money/dealing-with-social-security/introduction-and-key-legislation/
Further assistance services:
Legal Aid VIC https://www.legalaid.vic.gov.au/centrelink
Economic Justice AU
https://www.ejaustralia.org.au/

Does the infernal wound (on hit with the glaive) just happen? No save or extra action?

A bearded devil’s glaive Strike also deals 1d6 persistent bleed damage that resists attempts to heal it. The flat check to stop the bleeding starts at DC 20. The DC is reduced to 15 only if the bleeding creature or an ally successfully assists with the recovery.

What does the line about assisting with recovery mean?

The DC to Administer First Aid to a creature with an infernal wound is increased by 5. A spellcaster or item attempting to use healing magic on a creature suffering from an infernal wound must succeed at a DC 21 counteract check or the magic fails to heal the creature.
Critical Success Counteract the target if its counteract level is no more than 3 levels higher than your effect’s counteract level. Success Counteract the target if its counteract level is no more than 1 level higher than your effect’s counteract level. Failure Counteract the target if its counteract level is lower than your effect’s counteract level. Critical Failure You fail to counteract the target.

To counteract the level 5 Barbazu as a level 2 or 3, you'd need a critical success which is basically impossible against DC 21 except on a nat 20?

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Summary:
I don't know what to do about my wife's alcoholism anymore. It's reached a serious tipping point. She's amazing but has mental disorders that are comorbid with her alcoholism. She will get me near the tipping point, fix things, do it again, and cycle. I am also afraid she will harm herself or me if I left. I don't know what to do anymore.
An Apology:
Before I even start, I'm really sorry that I'm bothering everyone because I feel like I should know what to do and not be going back and forth like I've been doing. But, I'm online asking a bunch of strangers for advice (probably because I'm too much of a piece of shit to just man up and do what needs doing).
So, I'm genuinely really sorry. I just feel embarrassed.
My Wife:
One of the smartest, sweetest, amazing women I've ever met. She really is and has been my best friend for nearly 8 years. We do everything together from gaming, books, travel, and she even supports my dream of becoming a writer. We got married about 9 months ago.
I can honestly, without reservation or doubt, say that I love her with all my heart.
She is in the middle of getting a career in medicine.
She has a history of mental issues (primarily bipolar), and I highly suspect she has 1+ untreated neurological issues that result in her struggling with attention, some memory, and other minor things. Because of recent events with work, she is being forced to deal with them.
Me:
I'm a writer and work to make real money. I have moved around to help her get her career off the ground and be a good husband. I'm not perfect, but I really try. I have no money. I have a family in the state.
History:
She has had substance abuse problems with on and off throughout her life since she was a teenager. She stopped the hardcore substances around the time I met her and has cleaned up her act substantially. When I met her, I didn't see too much of a problem because I had only seen her in small doses or in social situations.
The deeper into our relationship we got, the worse the issue became. Whenever she'd drink, she became a different person. Whereas she was normally calm, collected, and reasonably friendly when she was sober, she transformed into this raging party animal when she was drunk. It was like she never wanted the party to end and lost all ability to "read the room." Alongside her sudden change of behavior, we would always, without fail, get into a fight. Usually, it was because I was the voice of reason (e.g., "don't go out to 8 more bars and go dancing all night when you have work in the morning," "you probably should lower your voice because you're literally yelling right next to someone," "why are you going in and out of the house and slamming all the doors for the millionth time to yell on the phone at 1 am?", etc.).
For the first few years, I let it go. Every time I confronted her, she told me she would stop (and still do). After the first times, she started sneaking alcohol. She would buy handles, drink them in secret, and leave the empties in her bag/draweetc. like her father used to. I would find them (usually by accident) and she would turn it around on me with accusations that I shouldn't be going through her things.
As time has gone on, the alcoholism stabilized for a while until about 2 years ago. Honestly, I think I still partially blame myself for her deep dive into drinking near the end. I went off to be in law enforcement in another state because we were talking about setting up a life there for when she left medical school. There was no work where we were. So, we both agreed that I go ahead, set everything up, get established, and she would follow in X months. We both agreed on the plan, but she couldn't handle the loneliness. So, she started hanging out with our alcoholic, piece-of-shit, useless neighbor, who I suspect got her back into drinking. Obviously, our plans blew up in my face.
Every time she drinks, we fight over stupid shit. She has driven drunk, spent ridiculous amounts of money (separate bank accounts) on drinking in private, won't tell me when I ask (and know) if she's been drinking. In our most recent fight, she tried to sit in my lap while we were fighting over her insulting my mother. After telling her no, she decided she would try to force her way there. I moved to stop her by putting my hand out (not aggressively. Just stick it out to stop her). She got angry because she said I was pushing her. So, she reacted by trying to choke me, to which I had to physically restrain her (non-violently) to de-escalate the situation. When she calmed down, I immediately let her go and backed off.
This isn’t the first time she’s hit me during a fight. She punched me in the arm two times before. I have never once raised a fist, hit her, or threatened to do so.
She has rejected professional help because she doesn't want it to get out and affect her professional status.
Now:
Since then, she has apologized profusely and claims she can't remember the situation. She has been doing a lot of nice, small things for me to show me she's "trying." She is about to join intensive therapy to go over her medication and other issues. However, I don't think alcoholism is among it. She's fine for now, but I don't know. Every single time she does well for a while and I start to trust her, she screws up and goes back to being in the doghouse. Lately, she's been stressed out because of work, giving up drinking (again), and so forth.
Honestly, I'm feeling fairly shocked, disgusted, and shattered over recent events. I haven't been happy even half the time for the last few years. Everything is just tinged with either stress or sadness. I'm tired of the apologies and being sad.
Problem:
I don't know that I want to stay anymore. The good times are some of the f***ing best times. She is sweet, funny, and amazing. She is getting adjacent help. I love her. However, I don't see the good side very often. Instead, I see the monster, who is spiteful, inconsiderate, and selfish. And, I'm tired of being close to leaving, having her fix it, have it get better, and just continue that cycle endlessly.
But I keep going back and forth on it. I can't seem to decide, even though this is depressing me. I feel trapped because I'm unhappy, but I don't want to abandon someone that needs help so badly. Also, I fear she would:
A) stab me to death if I try to leave,
B) commit suicide if I try,
C) delve straight into her habits and ruin her life
D) become so depressed that her life will crumble.
Her mother is a divorce lawyer with a protective streak for her daughter. I fear that she'll try to blame me or make my life worse if I leave.
Any thoughts? Advice? Anything? Am I an asshole?

So, my brother stays in Canada, I do not. But, I found a really good deal with Fido for the iPhone 14 pro max ( Preloved ) now I just had a few queries
As I will be paying my brother for the installments

1. Does it always have to be paid within a 24 months period for example I have paid for 12 months and I have the amount to complete it within the next 2 months after a year can I pay the whole amount then in installments for 12 months and then the leftover amount remaining in the next 2?
   
2. Does it get unlocked after the payment ( to be used on any other sim? )
   
3. Does it come with a complete box and accessories?
   

TIA

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So I infilled with a couple ransoms next to the cargo ship on Al Mazrah. We talked about what missions we needed to work on in pregame lobby with the hopes of completing at least one. Within maybe 2 seconds of the countdown ending I was downed by snipers from sawah village parking lot. My teammate revived me and we made a run for the ship.
I knew they were going to head our way and posted up on the top deck after finding a 3 plate.
They started sniping us and killed my team down below. 2 pushed the ship. 1 stayed across on the roof of the stronghold to keep sniping. I killed him first, then the 2 who boarded the ship.
I picked up my team, and they looted their 3 plates and weapons. This wasted 10 minutes of the match dealing with these jabronis.
Don’t be a douche… we coulda been friends.