ve just registered with Noddle to check my credit file out and couldn't quite believe what I saw. ( I cannot post a picture yet) so I have added a censored version below: Active Securities LTD Address Mark _________ Is A F**king Dead Man Cheshire WE'RE COMING I'm going to hit the "something wrong" button, but surely they shouldn't be able to post stuff like that on there? And just because I''ve got some finacial problems they shouldn't be able to threaten my life. just shows what low life **** were dealing with. Should I report this to the police? if so how?

Hi - My son has been homeless for a year or so. He cannot live at home - because of regular violence to himfrom his younger backwards brother. We have extended family units in the area and with his friends there are places he can sleep most nights. He can also sleep on the sofa here from time to time - but not too often. After more than a year of claiming JSA as homeless, the local office are now claiming he he cannot prove he is homeless and therefore they are cutting off his JSA. They also say they will visit the places he says he sleeps to see if they are entitled to "rent" space (although he is paying nothing to anybody for sleeping at their homes). This will devastate him. I haven't a clue how these JSA people think they are entitled to do this. Can anybody help me here? References to the law and government guidance would be useful too. Thanks.

Hi got a couple of questions got letter from 1st credit who said they taken over debt from which i owed from Halifax credit card.. They sent letter threatening county court proceedings 1st i house share, i rent room from the live in land lady, so property has got nothing to do with me..so where do i stand with them and poss bailiffs? my rights? 2nd i have not spoken or acknowledged this debt to any of the agencies that has tried to send letters in the past, nor even Halifax. which i believe now is over 6 years since i stopped paying.... i cant exactly remember the dates but could be just under or even well over 6 years....so what is my rights there.... 3, i do pay out my monthly wage nearly all in full each month on bills, seen a site that says apply for an D R O ? what is the best path to take please ?

I really need some advice please and not sure if I am posting on the correct sub forum January 2009 I left my husband and left with nothing, I lived with a friend for a few months who then kindly gave me a job. I then started looking for places to buy to start back on the property ladder but was not earning enough to buy a property on my own as such. my son kindly offered come onto a property with me as he was employed and had a very job at the time. Now I put the deposit down on the property, using the money from my divorce settlement and have made every single mortgage payment since. My son has never even lived at the property ever. He agreed to go onto to the mortgage purely so I could by a place of my own. in the past three years, my son became very ill and kept this from me as he did not want to worry me, (only found out in the last year). He lost his job due to his illness and used his credit card to keep him going and in this time he has got himself in debt. of course the issue has now come to light as he has not been able to pay his credit card. He is now registered as disabled and has not been able to work. He is now in receipt of ESA and the enhanced personal care component of PIP. So has very little money to live on. During all this time he has not managed to keep up with the minimum payment he agreed with Barclaycard and they have now sold his debt onto 1st Credit. He has now received a letter from them asking for full payment with a 20% reduction of £6416.00. If he does not pay the full amount then they said that they will get a CCJ and then a charging order for the property! I have tried to find out as much as I can regarding the charging order and the all I keep seeing is conflicting information. I have also paid off a lot of debt for him already which were secure loans to stop any potential charging orders. I am just not in a position of finding this money for this debt! I simply do not have it. Can anyone offer any advice on what I should do, good or bad, I just need to know for sure on what I should be doing. Many thanks in advance

Good Evening Everyone, I've been looking thought the forum and it's alarming just how many people have been [problem]med and threaten by these people. I couldn't find information on the same issue as mine so if I've missed it and the is a duplication I apologise In advance. I'm really hoping you guys can please provide some guidance as I'm becoming very stressed out by all this. The Issue I took out a £9.99 per month membership at Xercise4less Leeds in October 2013. I had to pay money upfront and I believe the amount was £29.99 for first months subscription and £20 set up fee. I only used the gym twice during my membership period. This was an 11 month contact. The minimum membership period was reached on 28th September 2014. The direct debits were withdrawn on 28th of the month starting in November 2013 by Harlands. On 24th October 2014 I wrote to Xercise4less Leeds with a formal declaration of intention to cancel and informing them of my 30 day notice. I sent this recorded delivery and it was signed for by a member of staff at Xercise4less on the 25th October 2014. They took what should have been the final payment out on 28th October 2014 and after this I cancelled my direct debit with my bank. I thought that was the end of the matter, how wrong I was, since November 14 I have been receiving threatening letters from Harlands stating I owe that subscriptions AND 'admin fees' of £25 per month. I contacted Harland by recorded delivery to inform them that I had cancelled my subscription as per the policy and procedure of Xercise4less. They wrote back to advise me that they had not received this confirmation by Xercise4less and that I would need to contact the Operations Manager at Xercise4less Leeds to get the confirmation sent. I have done this to no avail. I have provided the Ops Manager with the sign for code and the name of the member of staff who signed for it but they have replied to me stating what proof I have that it was my cancellation request in the envelope I sent as they don't have it/can't find it in the club. The implication being that I never sent a cancellation in my recorded delivery envelope. I'm conscious that Harlands will keep sending me letters if they don't receive this confirmation for Xercise4less, however, the ops manager is stating that I have no proof it was a 30 day cancellation notice in the envelope I sent. What I'm wondering is: 1) has anyone else had this experience with questioning/denying what you've sent? 2) where do I stand with this in terms of Harlands if xercise4less won't tell them I'm absolved from my agreement. 3) is there an onus on me to prove what was in the envelope? 4) what would you advise to be the best course of action now? I do have an independent witness who sent me the official template for cancelling In the first place and also my proof of being signed for. I also, have a copy of the original thing I sent to them saved on my computer. Moreover, why else would I send them a recorded delivery letter and the timeline fits... My contract period was over hence I sent a letter to cancel. Therefore, there should be a logical timeline behind what was in my envelope to them. However, no-one was with me when I actually stuffed it into the envelope.. . Surely that's a ridiculous thing to ask for? Any advise however small would be greatly appreciated.. . My 'debt' is currently £79.99 and I'm really at my wits end with the stress of it all. Many thanks Kate

Hi all I had a PCN from PE March 2013 and sent a letter built from advice on forums asking for a POPLA appeals code. I got nothing back until 2 days ago when I got a letter threatening court action unless I pay up. Is there a statute of limitations with this? Is there an easy way of telling them they are too late or do I have to follow the process to continue to rebuff their claim? Thanks for any advice! Simon

I am writing on behalf of an elderly 80-year-old, seen your Forums in the past, and hoping you might be able to give me some advice on his behalf. Mr B was given a PCN by Kingston Council for driving in a bus lane. He has had several periods in hospital, and therefore the matter has now been processed to bailiffs, Collect Services, who have now called twice at his property (despite being advised he is a vulnerable person). A complaint was made to Collect and a copy of their complaints procedure requested. No response has been received from that, and a complaint has been lodged with CIVEA, but he has today received the letter below, which has caused him great distress "Dear XXXX XXXX Due to your failure to settle this unpaid Penalty Charge Notice(s) your vehicle has now been included on our outstanding pcn ANPR database. In the event we LOCATE your vehicle it will be REMOVED and taken to auction without any further warning. Additional costs of £xxx.xx will be incurred plus auctioneers costs." The car is his sole means of getting around (he can barely walk a few yards) and displays a blue badge registered in his name. I had always believed (and indeed have seen on the Citizens Advice Website) that a car displaying a blue badge and for the use of a disabled person cannot be taken by bailiffs. Is this correct. If so what steps should now be taken. The car is in his driveway (he has no garaging facilities or anywhere else he can leave the car) and he is quite upset that these people (who have already been very aggressive with a carer who answered the door for him). Can they take this car with the blue badge? Should we write to them? Is there legislation we need to quote? Any help would be much appreciated. He cannot afford the amount they are requesting (now over or near£600), and these bailiffs seem to think they can just walk roughshod over whatever regulations are in place to help vulnerable people like him.

Hi folks, I've been reading around but I'm hoping someone can offer some advice on my particular situation. To cut a long story short... I signed up to take part in a trade exhibition (I'm a sole trader).. .never paid any money out upon signing up I did sign the agreement. in the lead up to the exhibition I realised I would no longer be able to attend the exhibition due to an overseas family wedding. I contacted the organisers (Media10) and explained my situation. ..they weren't interested in any reasoning and stated I signed up and now I had missed the pull out deadline I was fully responsible to pay the full stand amount (about £1200) even though I wouldn't be attending. To make things worse my work took a big fall in business and I found I was struggling to earn enough to allow me to pay the outstanding amount. I again called media 10 to explain I couldn't pay in one go and could I pay by instalments of £50 per month. That was agreed and I think I managed 2 payments before things got worse work wise and I found I could no longer even afford that. I tried speaking with them but it was useless, they wanted their money. I ended up not being able to pay and it has now came to the point where I have had an email and a phone call voicemail from Darcey Quiqley debt collectors litigation dept saying I need to reply urgently regarding this legal matter. I would like to pay it but I am just not in a position to. I have looked into a trust deed as I have accumulated other personal debts due to the period of little to no work, but even at that I am embarrassed to say I cant even afford the £150 per month for the trust deed. I literally feel like I'm drowning in debt and I just cant find a break to get back on my feet. I'm constantly dreading the post and I daren't answer my phone. I rely heavily on my car for my family and also work so I was advised sequestration was simply not an option as the car would most probably be lost. Can anyone please please offer me some advice, I'm at my wits end and all I ever have on my mind is debt. It's ruining all aspects of my life and my family priorities are suffering. Thanks for taking the time to read through this.

It seems there’s an issue for owners of Kindles to be aware of, and take appropriate steps to avoid. A security researcher has discovered that malicious code could potentially be injected – and cookies stolen – via a stored cross site scripting attack on the Manage your Kindle page located on the Amazon website. According to the researcher, malicious code can be injected via e-book metadata such as the book title. Once the book is added to the victim’s library, the rogue code will trigger once they open their Kindle library web page, leading to the cookies being accessed by – and transferred to – the creator of the e-book in question. Here’s a writeup by someone demonstrating the researcher’s proof of concept test on themselves, passing with flying colours. The advice given is to be very wary of pirated e-books and other shady looking downloads – especially if you’re going to make use of the Send to Kindle feature, as this is the most likely way you’ll end up placing an e-book from outside the Kindle store into your Amazon Kindle page. We’ve taken a look at the Kindle before, and here’s some things you should be aware of: * Kindle Apps: Look before you leap Unfortunately apps which aren’t all they claim to be do appear on the Kindle Apps store, and buyers of apps should always check the reviews before committing to a purchase. Here’s some advice from the above blog entry to steer you in the right direction: Tips for Avoiding Kindle App Shenanigans 1) Read the reviews. While these apps are in circulation, the only real chance you have of avoiding a stinker is to see what horrors have befallen those brave souls who have gone before you. 2) Check the developer name. If it’s a horrible mashup of words associated with various titles, there’s a good chance some alarm bells may be ringing. 3) Take a good look at the “screenshots”. The majority of the 100% fake apps – the ones which claim to be amazing, mindblowing games and disclose nowhere that they’re just some terrible tile sliding effort – use lots of pre-renders / promotional art from real games. Google Image Search will probably come in handy here. * Sideloading apps is a dangerous game On a similar note, many titles in the gaming realm tend to show up on the Amazon Kindle store a while after they’ve already appeared on Android (Google Play) and the iOS stores. For many impatient individuals, this means a quick treasure hunt in a search engine for unofficial copies, quickly followed by lots of “Aargh what have I done” type complaints once dubious app x has been installed on unsupported device y. As per the advice in that particular blog: Looking for that Movie you really like but don’t want to pay for? Malware. Looking for an album you really wanted to listen to but out of cash? Malware. Looking for that new game that all your friends are playing but you can’t afford? Malware. It spans from the Desktop to the Mobile space and any device that might fall in between. Misleading E-Book advertisements install PUPs The above blog isn’t so much a threat to your E-Book reader or Amazon account as it is to your PC in general, with popular lists of E-Book titles used as a front for PUP (Potentially Unwanted Program) installs. On the other hand, it is a useful example when talking about how there is no subject a [EDIT] won’t touch to make some money in the side. E-Books? Sure, why not. And you can bet your finest digital copy of 1984 that somebody, somewhere would happily set up a wide range of booby trapped E-Books to swipe some Amazon accounts – or any other accounts they can get their hands on, for that matter. E-Book readers are wonderful things, but as with all the bits and pieces of tech we carry around with us on a daily basis they can provide an inroad for people harbouring bad intentions – and the occasional rogue E-Book. Christopher Boyd

Hi all, Need some advice please. I stood guarantor for my daughter for her rent on her first home. She is experiencing difficulties due to preferring to work rather than claim benefits but the Council are really dragging their heels over sorting out any help she will be getting. I am aware of my obligations and am not trying to wriggle out of them however the Landlord is not one of the nicest people in the world and we find out later he has a reputation for being a bully boy and going to the courts at the drop of a hat. My current query is that today I received a copy of a letter sent to my daughter saying her rent is overdue (1 months) and that if payment is not received by 1st September he will commence Court proceedings against me for payment. The letter was to my daughter and I was just sent the copy. I am seriously aggrieved that he has not contacted me personally in all this and is threatening my daughter over 1 months rent when he knows she is waiting for some assistance to come through. I don't mind paying for her but I object to his approach and was wondering if he did issue papers would I have any grounds to object because there is some procedure he should have followed. I really don't like his attitude and want tomake him work for any payments off me because of this. If he had sent me a letter explaining the shortfall without threats than it would be a different matter. Looking for somewhere else for her to go but when she vacates I fear he will use me as a cash cow to renovate his dump of a house.....he has done this before,claimed for all sorts of cleaning and repairs off the guarantor despite the house being reasonable. (wonders of social media) Any advice appreciated....except the don't be a guarantor type.....heard it all before thanks, lol.

Hello, I recently bought 9 silver coins off ebay that are fake and I have opened a dispute and provided evidence which to the best of my ability proves this since the seller is refusing my right to return the items. The seller is saying that the coins are not fake, that I am lying and that he can trace back the authenticity of the coins. I have provided evidence that suggests that the coins are fake. The 8 day communication period is over and tomorrow it will be sent to ebay customer support where I do indeed think they will side with me and refund. The buyer is saying that if this happens and the coins he receives are fake he will sue me for total costs and damages. There is my problem, the buyer could potentially say that I switched the coins for fakes and sent them back when this is not the case at all. I believe that this could be a scare tactic and a last resort trying to force me out of the dispute considering I have provided proof that has led me to believe the coins are fake and the seller knows that he is beaten. I would appreciate any advice on this as a legal threat is not particularly nice when all I am trying to do is get a refund. Thanks

Many people moving home are putting themselves at risk of ID fraud by failing to tell their financial service providers their new address. A Royal Mail survey found a third of people moving forgot to give their new details to at least one provider. Half of those asked said they had received letters through the door thought to contain sensitive financial information for previous residents. The majority said that they were concerned about identity theft. The crime is used by fraudsters who gather personal information in order to raid accounts or raise credit in somebody else's name. http://www.bbc.co.uk/news/business-28142647 Who to notify checklist If you're moving house, it's important to inform the relevant people of your departure. Use our handy checklist to ensure no-one is forgotten. http://www.bbc.co.uk/homes/property/moving_notifychecklist.shtml

Hi all, I'd appreciate any advice on my immediate problem please. I have a mortgage with Bristol & West/Bank of Ireland. In 2007 I took ill and fell into mortgage arrears, Bristol and West got a Possession Order so I borrowed money to clear the arrears. Due to the unfair interest rate rise imposed by Bristol & West/Bank of Ireland plus personally being unable to function properly due to depression, arrears have accumulated so the Bank is not threatening to use the existing possession order to go for eviction. I have complained to Bristol & West/Bank of Ireland, in March 2014, about the interest rise, plus the charges they keep adding which is making matters worse. Their response to my complaint was unhelpful so I am writing to the Financial Ombudsman to complain - I believe I have six months to complain to the Ombudsman which is fortunate as I cannot predict when depressive episodes may strike nor how long they will last. I do know I cannot afford to pay them £1500.00 in the next seven days, nor do I have anywhere to move my family (wife and 3 children under 16). Does anyone have any advice or could point me to information that might help please? Thanks in advance Brian

Hi received a red letter from United Utilities the bill paid last week, payment over four quarters. I was surprised to see this at the end of the letter. Information about your payments behaviour will be shared with credits reference agency . This may affect your ability to obtain credits in the future as the lender will see this when you apply for credit. For more information see Unitedutilities.com/personaldetails On what grounds do they have the right to share this information.

Hi can anybody advise as to whether this latest type of begging letter, received from parking eye, has lead to court papers being issued. I have received many in the past but never one that has said will. See attached pdf. In this case the Addressee was not the driver, no correspondence has been entered into with PE. Any help as to correct defence wording if this does go to court would be appreciated. Many thanks MD.

Hi everyone, I am new to the forum so apologies if I have posted a thread in the wrong section, I am just seeking help with a debt problem as are many others. I received a letter before action letter from BC stating that they were acting on behalf of Fredrickson International/Lowell and if that I did not pay debt in full legal action would be instigated against me on 7/4/14. Unfortunately, I am suffer from anxiety/social phobia illness and now receive ESA and live in rented accommodation. I fell into debt problems in 2008/2009. I think the original debt relates to a credit card with Barclaycard and am unsure as to when payments stopped but would have been either late 2008 or early 2009. Due to my illnesses I have "stuck my head in the sand" regarding my debt arrears but receiving a letter threatening court action has meant that my anxiety levels have now gone through the roof. As I need proof of the debt and more details and being unsure as to whom exactly I should write to in order to do this I decided today to write to Bryan Carter as he is the organisation threatening the court action. I printed off a "proof of debt" type letter stating that I did not acknowledge the debt and requesting details after using a template from this informative and helpful site. Inside the same envelope I also printed off a CCA request letter addressed to BC and enclosed a postal order for £1 stating it should be used for purposes of providing CCA only but I forgot to state that I did not acknowledge the debt on this letter but am hoping that my proof of debt letter also enclosed will cover me as I clearly stated this in the body of this letter. I asked someone to kindly post this recorded delivery today ( I am agoraphobic and have not left my home for over 4 years). Can someone kindly confirm that this is the correct initial response to the BC letter? Do you think it is likely that the threat of legal action may be halted on 7/4/14 when they receive my letters tomorrow? Many thanks.

I've had a text and email from Cash Choice today regarding my balance with them. I've already agreed to payment agreement in Feb that started this month at £20 a month but the email states no payment has been made despite their best (HA!) efforts to ensure this happened: I've clear evidence my payment left my account on the 5th of March using FPS to them with the details provided in a text message from their company. As it's been 15 days since the payment has been made I'm surprised they've not added this to my account. Should I go ahead and ignore this email, they are only reporting on my Noddle CRA that I owe £330 not the higher amount above. Would appreciate any advice you folks could render. StripedTiger

Hello everyone New to this forum and this is my first post - looking forward to some advice I received a letter today from Motormile Finance - a debt collection agency who it seems train their staff to bully, harass and generally p**s off their pray when you try to talk to them.... Anyway, the letter was regarding a wageday advance debt from 2007, that they say they have recently acquired. I called MMF and asked that the debt be placed into dispute as i do not recall the debt, and as it was from 2007 - it would be statute barred anyway and unenforceable. The agent stated that i could not put the debt into dispute and threatened me with a default on my credit file. I asked how he could place the default on my file that was over 7 years old after one had more than likely already been on there previously and he said "because we can, its down to you to prove there was one before" I then asked for the CCA for the account over the phone, and he said he would get "something" out to me in 14 days - probably via email if they cant do it within 14 days ????? - he then became aggressive, condescending and actually someone impossible to talk to, so i terminated the call. Ive sent them letters today - one complaining about the service issues and a statute barre letter so my main questions are these: can they register a default for a debt from 2007? what do i do if the fail to respond to both my complaint and my statute barred letter? Has anyone else had similar issues with these "people" thanks in advance

My husband and I have done all we can to settle any debt incurred while he was out of work. Now we have received more than 1 letter from UMS in connection with a 'debt' to HFO Capital Limited, which I can't recall offhand. The letter shows large, purple letters stating: PROPERTY VISIT before saying they have been instructed to organise a visit to our property to collect the full balance due or make arrangements for this 'long-overdue' debt to be repaid as quickly as possible. I've just drafted a CCA letter to send and was just wondering what else I need to do or be aware of. Do I need to keep my house door locked?

I have owned a flat for three years and always paid service charges etc on time with no problems. Recently i received a letter stating I was being taken to court for upaid ground rent dating back three years. I had not received any letters about this and had thought ground rent was part of service charges. I was annoyed but decided to pay as it was my mistake and was willing to pay charges (despite not having received a single letter. This was before the solicitors email (complete with scanned letter I didn't receive). My debts are £100. They want £2779.52 in total and are threatening repossession. is there anything I can do?

Hi, hope someone can help i am getting really worried - in Aug 2013 Kensington took me to court in regard to the arrears on our mortgage and they secured a suspended repossession order which meant we had to pay £915 per month in total. In Nov and December due to emergencies with our home the direct debits bounced. Kensinghton got in touch and did an I&E and told me they wanted me to make an extra £100 per month to cover arrears. They intially agreed over the phone and then 1 week later said that the offer wasnt acceptable. They feel i should pay more and have decided to go back to court and seek and eviction order. I will make this months payment on time next week despite me having an attachment of earnings order this month which leaves us £600 worse offer - this shows that i can afford the court order amount. What do i do about them deciding to go back to court ? will i be notified of a hearing ? what do i do next ? an help gratefully recivced.

I have a letter today from a collector for a 4 year old debt . It threatens immeadiate payment within 7 days or an issue of a statutory demand the first step in bankruptcy proceedings. What are the next steps I assumed a small claims court summons was necessary first before bankruotcy am i right . The amount is under 5,000 . Also if the form does not bear my full name is it still legal namely john rather than jonathan ? Will there be any point in proceedings where a court will here my offer to pay in instalments or is it if you cant pay the full amount bankruptcy ? Thanks

Hi, I wonder if somebody can help me with this. I took out a payday loan early last year, rolled it over once,n repaid it completely and thought nothing more of it. Back in October I started to get a barrage of calls, texts and letters from MMF claiming that I still owed money and the debt had been passed on to them. I got a lot of reassurance from this site and the sort of text/voicemail I was receiving was in line with what others on this forum have been getting so I was content to ignore them completely. Today however I received the following email and a quick search of the forum hasn't revealed anything similar. Does anybody have any suggestions as to what I should do now? Should I keep ignoring them or start fighting back? Thanks Dear ***, Reference: *** Debt Balance: £424.50 Debt: Mr Lender Debt Assigned to Motormile Finance Uk Ltd I am the Solicitor at MMF and have had your file passed to me, in relation to the outstanding balance on your account. I note that despite several attempts by my colleagues, this debt still remains unpaid. Please be advised I have received instructions from the Directors of this company to pursue this matter through the courts to recover the outstanding balance. However, as a matter of courtesy, in order to save time and legal costs, I am writing to you to request that you make contact within the next 5 working days. Could you therefore please make contact, without fail to come to an amicable arrangement, failing which I may have no alternative but to follow the legal route to recover the outstanding sums due. Please note that I am in a position to offer to you a significant reduction in the amount owed. We therefore look forward to hearing from you shortly. Kind regards, Neal Chatrath Solicitor Motormile Finance UK Ltd (MMF) Main: 0113 887 9888 Free Phone: 0800 996 1103 Web: E-mail:

Hello.I hope I may get some words of wisdom here! I am not working and my wife has been on long term sick for three years on around half pay. My mortgage lender got a possession order just over two years ago but have only now enforced it and we are to be evicted on 13/12/12. Our payments have been somewhat erratic (the money goes into my wife's account and she is supposed to pay bills but she has severe depression and doesn't keep up to things). Our arrears are £15000, the house is worth about £180000 with £152000 owing. I spoke to the CAB advisor on Friday and she said about the N244 form but before doing that, speak to the lender which I intend to do on Monday. My monthly payment (interest only) is £330. Do you think offering to pay this + say £170 towards the arrears is a reasonable offer? (I can only do this because my son has offered to pay it). If they don't accept that do you think a judge would think it reasonable? I think the only way forward is to sell up.Would it be reasonable to ask the judge for a few months "selling time". My other fear is that as my wife is still employed by a bank she could well lose her job,and income, because of this. Any input greatly appreciated. It's been good just to share my troubles!

I work for a County Council and am a paid up member of Unison. I recently had cause to speak to a parent about an issue and they identified themselves as working for Unison during ‘discussions’ about a serious complaint they had. They made several threats to us, using their standing, to have us investigated for apparently wasting money and for discrimination. This is without first establishing the facts that prove they are in fact wrong on every count. We are all facing severe funding cuts and as such are expecting a large number of redundancies and I take exception with the fact that this person has effectively abused their position and threatened people like me in order to bring about change. I’m not naïve enough to deny that this goes on every day in one form or another but I have taken exception to this especially as I pay for people like them to look after our interests and to not make even vaguely veiled threats. Do I have grounds for making a complaint to Unison and will it jeopardise anything with my employment? Any help or advice would be gratefully received.