We have our meetings quarterly in London. I am based in the Devon so most of our contact is via email or telephone. I did contact Senior Officials as soon as I found out about the emails that were sent tot them and expressed my concerns about being undermined at such an early stage in my role as the Rep. The tone of their reply was not helpful at all and that is why I have been forced to go down the official route with my employer

Hello there I can confirm I am a certificated IR Rep and I have been on one course so far. Am down to go on some more courses early 2013. The problem I have is that this previous Rep had built up a long term relationship with these senior union officials and they have been unable to to back to back me and have ignored all my requests for advise.

Hello HB Yes I have an email trail going back to march of this year. I have requested a SAR from my local data team for any emails that I have not been copied in on and am awaiting the results. Since I became the union rep in my workplace in July of this year his wife ( Our union H&S rep ) has complained to senior union officials alleging I am not acting for all the work force which is again untrue. These emails to senior officials which are blatant lies I only found out about from another rep and I have been very disappointed with the lack of concern or reaction from these senior union officials. It feels like they are against me because I challenged and organised his ousting as the union official.

8 months ago I challenged my union official over his confrontational behaviour to other work colleagues. This did not go down well with him and so began his emails to my manager about my alleged poor work ethics.Prior to my challenging him I never had any complaints about my work. Finally I organised a vote of no confidence and he was ousted as the union rep and I was elected in his place. As you can imagine this did not go down well with him and at every opportunity he would send an email to my manager complaining about me. A lot of these emails I was not copied in on. After 8 months I had enough and I am now off sick with work related Stress and Anxiety. I have now lodged a Grievance against him, but as I am a civil servant this procedure is very slow. Can someone advise me as to the definition of work related email harassment and what rights I have. My management appear to be not taking this situation seriously and I am at my wits end.

Thank you for your reply. Easier send than done. I have been trying to pay back my unsecured debts for over four years and have informal arrangemeents with all my creditors. I thought that there were some cvompanies out there that charged a percentage point or two above the base rate.

Yes it certainly is a minefield. I have had an informal arrangement for over four years now. All are showing on my credit file. I have reclaimed the ppi. I feel that i should pay back these debts, but unfortunately due to unforeseen financial restraints i am unable to fully satisfy them. This offer from a family member is only on the table with the proviso it clears the majority of the unsecured debt. Not sure as to what to say in the f&f letter. I am not the best at writing offical sounding letters.

i have been offered a lump sum to pay off my unsecured debt, but the settlement figure works out to 20% of the debt. Would DCAs except this figure

Hello allDoes anyone know a reputable company that will give a mortgage to someone with a poor credit rating RegardsGolfillini2

The loan is in default and yes i think the total balance is within the original terms.Is there a way to get the interest removed since the default came into play

Hello PhilMoorcroft sent me a payment book sometime ago, so i presumed they now held the debt.I shall be writng to them to confirm who actually owns the debt.Santander does show all my payments from moorcroft. It shows full balance with the interest added on.No ppiRegardsGolfillini2

I have had all interest stopped on my other accounts that i owe to creditors. I thought that once the account was passed to moorcroft then the interest is stopped.It does show on my cra and the original oc is santander.golfillini2

It is a unsecured loan that was passed to moorcroft over 2 years ago. I have an informal arrangement with moorcroft and i pay an agreed monthly amount which i have not defaulted on. Yesterday i received a yearly statement from santander which showed they have added a years worth of interest. I was of the understanding interest had stopped being added once moorcroft took over the debt. Can santander still add interst to my account and if so what can i do to stop them doing this. It is very frustrating as the debt is not reducing, so what is the point of paying i might as well go bankrupt

Hello All, I have a unsecured loan with Santander that was passed to Moorcroft quite a while back. I have found out recently that Santander is still adding interest to this account. I thought that once my account was passed to a dca then all interest is stopped. Can osmeone enlighten me please Regards Golfillini

Mortgages Hello AllDoes anyone know a reputable mortgage company that will lend mortgages to people like myself who have defaults on their credit file. They have been on my file now for 4 years.

Hello all thank you for your replies, I am of the same opinion as squaddie. Anything over contracted hours should be classed as overtime with the same overtime rate as full-timers. In my case the part-timers do not do voluntary overtime and are expected to stay and finish a job that has begun prior to their finish time.

Hello All, As a shift worker working fulltime i work alongside part-time staff. The nature of my job means there are times when my shift has finished but we have to stay on to finish a job. As a fulltime staff member i get overtime at time and a half but the part-time staff receive only flat rate. Can someone enlighten me to why this anomaly is accepted practice and why unions are doing nothing to correct this situation.

Thanks dx will try that

Have checked my CRA and they are on there. Not sure of the procedure with regards reclaiming interest added to these accounts. Most are owned by DCAs but the biggest ones are still owned by the original lender. The biggest 2 belong to Halifax. Even though i have organised informal arrangements my knowledge in this field especially the F&F is limited. Any pointers would be appreciated

Hello DX Credit cards and a bank loan. All are unsecured. A change in my circumstances and my wifes long term illness compounded the problem 4 years ago. I have had regular contact with these creditors and all agreed an informal arrangement eventually. Now 4 years on and though interest has finally stopped accruing on all accounts i am no further forward clearing them. My monthly payments are less than 1% of the total owed as that is all i can afford to pay There might be a possibility that a family member will give me a lump sum, but this will equate to only abount 20% of total owed .I thought i read somewhere that if you can prove hardship with no reasonable chance of paying ,these companies would write off the debts, especially if you have proven that you have in the past tried to pay back the sums owed.

Hello For 4 years now i have had in place an informal agreement with all my creditors. Unfortunately i am now facing hardship due mainly to the increased costs of fuel ( 800 mile commute a week ) which as we all know has increased per litre to horrendous prices. I have not had a pay rise for 2 years and am unlikely to have one for another 2 years. Is their a method at which creditors will write off debts rather than force me into bankrupcy