What the hell is that meant to be? No dates, no header, no address???? Who typed that up his goldfish? IMO, I'd ignore Malcolm......he doesn't have a good grasp of English, does he? And payment within 7 days of what or when? Christmas 2080?

Who is the DMC? The Community bank were aware of the change in your circumstances yes?

Dump them from the DMP. Are you doing your own DMP or are you using a DMC? Dump them an all.

Hmm, did you get that lot from an FMOTL site? Bad advice unfortunately. IMO ignore them until/unless they issue a claim, the responses you have received are simply computer-generated at the minute, and no one is reading your correspondence. NEVER appeal, they ALWAYS reject, and then you enter into pointless letter tennis. It may be prudent to obtain the NTK and any other relevant info/correspondence you've binned, especially the NTK because that will show if they are following the PofA act correctly, if not then they can only chase the driver.

I don't have any legal counsel, I'll be doing this as a LiP. All I've done is ask the house insurance legal advice line, who then passed me onto employment solicitors for advice regarding this one issue. I'm not divulging the entire saga on a public forum because there is an employment tribunal pending, and whilst the employer and their HR team are doing a wonderful job of tripping themselves up and dropping themselves in it, I don't want to allow them to get their defence together using information off here. I'll only be asking relevant questions to my particular issue as and when they arise, what I won't do, is bare all before the ET, and nail myself to the cross.

After taking legal advice, they agreed that this email should be produced in the employment tribunal as the choice of language used by HR is very questionable and verging on discrimination. When I explained that I had just concluded my disciplinary hearing, which was a verbal warning, he said that this would be harassment and to lodge another formal grievance, I'm not going through that whitewash again. However, unless it is a 'capability assessment' or to look at reasonable adjustments, then decline their offer. Which I have done so already. Let's see what tomorrow's correspondence brings.

They are not asking me about reasonable adjustments. That's already been discussed. I agree, they should refer any questions they might have to a specialist.

It's a monthly occurrence with them, pretty much like attrition, ''let us see if we can wear them down and submit'', I will not be rolling over and getting a 'smart' meter either.

Hi welcome. Who are the DCA's. By paying them anything, you are simply running the statute-barred clock to infinity and you'll never be rid of these. If the defaults auto drop off your file in August, then wait until after then before applying for a mortgage, and make sure you check your credit file with Experian or Equifax to check your credit file is clear. It is pointless dealing with DCA's, and IMO you should stop all payments to them. Who agreed on the amount you are paying them each month? Bet it wasn't you. Who were the original creditors and when did you take these cards out? DO NOT offer these creatures anything, and STOP paying them.

Thank you both for your valuable input, and I agree that I feel under attack. It's taken almost 6 months to get them to acknowledge that I have a disability, I'm tired and not very well. I'm due to start some therapy for the PTSD on the 18th of this month, AGAIN!! Just spoke with ACAS and they are saying I am not obliged to discuss my disability with them unless I wish to do so on my terms, there can be no intrusive questions either, and that I need to be mindful of the employment tribunal prelim hearing in June. I'm getting a call back from a legal helpline on Sunday regarding this. See what they advise.

Thank you. I can understand asking these at the beginning of the employment process when going through medicals and occ health. But nearly two years down the line? And with management who aren't medically qualified or have lived experience of my disability? Not withstanding the choice of language, "your behaviour "..... I'm 50 years old not 5. This isn't to ask about any adjustments I may need to carry out my role, this is to question someone who is neurodiverse on how they would react to certain situations, and I believe this is so they can say I'm not suitable for the role I've been doing for 15 months. I strongly doubt that other employees with MH issues and neurodiversity will have had to have been ridiculed and belittled in this way. I don't understand what the aim of this meeting would be?

Is this normal for an employer to ask an employee? Am I the only one who thinks this is overstepping the mark?

Thank you. I'm confident it's well within time.

Had the Sols for the respondents to my ET claim come back and state that I am outside of the statutory time limit to raise a discrimination claim as the claim wasn't received by the ET until the 31st Jan this year. I am confident that I am within the time limit (3 months). Is this a common bluff they try to use to throw you off? Otherwise why would the tribunal say that they have accepted the claim?

Unless you are returning there? Ignore them. Stop talking to them via email too, bounce all their emails back as junk/spam and any text messages they send forward them to 7726 (SPAM) on your mobile phone. If they ring, hang up.