hi,first of all well done for being so open about an illness that is ignored or ridiculed as you have experienced,have you been to you hr dept about these cruel comments,if not do it,and if no joy go higher up the chain,others with more knowlegde on opting out of sunday working will be along to help you. stephenweslo

just a thought,but any kind of abuse because of your race,religion sexuality is now classed as a hate crime,if it happens again go to the police indeed i would still go the police now.

any link would me most welcome

so if i refuse to stay on what action can i take if i am to be disciplined,i frequently do double shifts 07.30 to 22.00 and would then have to stay until 07.30 the following morning if night shift is a no show,an example is 2 years ago when we has a bad winter up here i started work at 07.30 then had to do a back shift then a night shift then an early shift a 31.5 hour shift,people said they couldnt get to work because of the snow which is fair enough,but i got to work. stephen

hi Emmzzi all my hours are all working,never on call,my contract says i may be asked to work overtime as and when required does not say a thing about having to work compulsory overtime.

hello need some help here about contacts forced overtime and working hours regulations. I am contracted to 37.5 hours per week working any 5 days from 7,however i work between 48 and 55 hours per week,i am never asked if i can do overtime just told i have to do it. Have now been informed if someone doesnt show up for a shift then i have to stay and cover it,so if i do a night shift 21.45 to 0745 and early shift doesnt show then i have to stay until 15.00 and still come in for my next night shift that same night,been informed if i dont then i will be disciplined,is this allowed? Also are there any laws that say there has to be so many hours off between shifts?I work in a care home and all we hear now is duty of care to residents,im walking about exhausted does my company have a duty of care to its employees? Thanks in advance for any help. Stephen

ever noticed how pdl ads always seem to follow the adds for online casinos and bingo,hmmmmmmm am i paranoid.

hi,been reading this with a great deal of interest,same thing happened to me,so the bailiffs done there thing,wages were arrested and here is the clincher,the amount being taken from my my wages is less a lot less than my monthly ct bill,there are strict rules on wages arrestment,im not suggesting you go down this route,just sharing my own experience.

using the old card stolen just doesnt work,the only thing is to open an account with another bank,the co-op and barclays both do a basic visa debit account with no credit checks.

you are wrong,a new card will not stop pdl,s taking payments,trust me on this,read threads on here.

stop paying,you have have paid the debt

re the above ive been getting the same snail mail asking to confirm name and address etc,i just e-mail saying you wrote to me so you have them already,they e-mail back saying they need these details to confirm my id, just keep sending the same e-mail back,however they now have a vast collection of my local take aways menus,yeah i do stuff there prepaid envelopes with them,childish i know but it makes me feel good. peace to you all

stop paying now

hey sillygirl,i done as you suggested and not a peep from m.hall but its early days yet,in fact they have all been rather quiet,ive got e wee savings account and i put in 5 pm that i would pay each pdl had they accepted my proposals,hope all is well with you stephen

thanks,im going to do that,read a few horror stories bout them on here,hope all is well with you

update time,just got letters from mackenzie hall threatening door step collector,been playing e-mail ping pong with them,they ask me to confirm my address etc i reply you wrote to me so you know my address and details,so they say they cant proceed until i confirm my details so bit of a stalemate

this thread is a wind up,no landlord either private or local authority can charge you 25 quid for being late with your rent,Fact

open a new account with barclays they do a basic visa debit account with no credit check,thats what i done,i wish you well

hello ieatdcas,thanks for your reply,i am encouraged by your words,funny thing is ive made umpteen offers of payment to my pdls each one declined,so what is a man to do,thats from dances with wolves i think,ne way im rambling now,wish you well my friend. stephen w

hi everyone,time for an update,so far all has been quiet although i am being hounded by a company called credit resource solutions,they wont say who there client is despite me asking by e-mail several times,in the end i admit i used foul language on last e-mail to them,im waiting on things to escalate but stiil keeping to my offers of a fiver a month to each pdl company,apologies to all who have replied before the reason i havent been on is due to family stuff which had to take priority. take care all stephen w

just had an e-mail from qq,so i concede il never get there bank details,not sure how secure using paypal is,is it safe to use? stephen

hi and thanks,ive been reading lots of threads on here and my eyes have been opened to the nasty tactics these people use,im trying to be positive about the whole sorry mess im in,i can only afford to pay what ive offered them.so if it means debt collectors become involved then so be it,but some of the threads on here say that they can be easier to deal with,i guess il find out soon enough stephen

a wee update,wonga have been great they froze interest and charges for 31 days to see if i can get back on track then they will discuss my proposals,e-mail ping pong with quik quid i ask fr there bank details to set up standing order they ask for mine to set up direct debit,i wont budge on this so dont know whats going to happen,keep getting calls at work bit thankfully my work have been ok,even threatning to report whoever is calling to the proper authoroties if they dont stop calling. not been to bad so far,but i havent heard a peep from txt loan or lending stream yet,i suspect its capitol finance phoning work even tho they dont say who they are,swift sterling have been rather quiet to enjoy advent everyone stephen

a very interesting thread,my wee comment is pdl companies dont seem to be to concerned about your credit profile when you apply for a loan,cos if they had checked mine i wouldve been declined and wouldnt be in the mess im in now stephen

thanks mate,going to be a long difficult process me thinks,got a few applications for jobs so im hoping il get at offered at least one of them,capital finance are being a bit funny,constant texts and phone calls,i dont speak to them over the phone keeping everything in writing and keep copies of every and e=mail. stephen