I think it is time to swamp the system with small claim court summons to claim back what is rightfully ours. If we owe JPA, it is taken in full with no notice. If they owe us, then JPAC and local HR compete equally to absolve themselves of any responsibility... Don't forget to claim interest on the amount owed at the extant Bank of England base rate as permitted by the small claims system.
Bring it on...