Hi no but it was in my attendance management that i could have full pay for 6 months, half pay for 6 months, then no pay, i could also have a phased return under part time medical grounds, there is nothing in our attendance management that says i have to work it back. i woudl ring ACAS and see what they say, do you have a union where you work?

Hi, i have been sent here by a friend and i just need a starting place, i have recently returned to work after having cancer, when i was ill we contacted all of our credit cards, banks, loans etc and any other debt liek catalogues and told them so that we could get some help reducing payments, which most of them did. however it meant we defaulted on our Halifax credit cards, we both have one, we agreed with their debt collectors Blair and something, to pay the minimum so that we dont accrue interest charges, fine, anyway i have now returned to work and Halifax sent us a letter the other day saying that that had reviewed our account, even though it had already been done in February 2011, and they decided we could no longer have an overdraft, this was £4,6000, this has left us in serious debt, we had to quickly go and get the money out of all of the accounts, had 2 savings account and 2 bank accounts, i was advised by Halifax they can do this, and that they would remove the facility after 14 days (they still havent its been 1.5months). the girl on the phone said they would take the money from the other accounts to pay back overdraft hence why we removed the money (saving for a wedding in October this year) now the Halifax have said it was because we defaulted on our cards, but they knew our circumstances, it meant all of our direct debits for 2 weeks didnt get paid, i have rung everyone and said sorry, explained what happened and offered to pay once new account set up elsewhere or to look at payment being absorbed. however some have said no, EOS (debt £1375.55 - freemans catalogue) have added collection charges to our account, they have said they will address our situation by a full means tested statement of our income, they will make enquiries about our jobs to have the money removed from wages (i am a civil servant so i have to be careful), they will instruct a debt collector to call round. i have offered to reinstate the £25 s/o i was paying but they want to look at our money etc, can they force me to give this info. FPC (debt £201.04 - capital one card) they say they are taking us to court, when we phoned we were told we shold be more reponsible, when i explained i had had cancer, man said oh well should still pay debts. they will add legal costs etc to amount CCS Collect on behalf of Aktiv Kapital £1127.16 ( i have no idea who they are or who the debt is for, it arrived the other morning, letter is also in an old married name of mine. Fredrickson International ltd - (£30 for they say an old Tesco mobile bill, they are threatening bailiffs) i have phoned and said i have paid this please go back to Tesco and check this, they still sending letters i have also had a letter of a firm sayign they have my credit agreement, they then read out over the phone credit i have, i said i am sure your not allowed that and i was told they could do what they want, they said if i dont pay the bailiffs will come and take my house and my car. this was for an old Kays account, we dont owe any momney but Kays continued to charge us fees because they said i hadnt returned soemthing, it turned out the courier hadnt returned something, i have told this company and they are investigating. i just need to know where to start with all of this, can i complain about the Halifax, i accept its our responsibility but althouth we lived in the overdraft we never went over it. thanks, sorry to waffle on

I was off work myself recently and also had a phased return, you need to get your attendance management guidance from your HR, or ask your line mamager to provide it, i personally went to my union fo rhelp with mine. i can recommend you contacting ACAS they deal with all employment issues. hope this helps.

I have also had a letter off a debt collection agency for an outstanding debt on a catalogue, the letter reads that they have obtained my credit file and that if i dont pay they will send the bailiffs round i phoned them and said the ebt is charges because the catalogue company screwed up and they said that they would investigate, however i aid are you allowed to acess my credit file and the man said he was looking at it, and even read back to me credit i now have, he then said if you dont pay you could go to prison, what do i do? i have got into debt after having cancer and being off work, my bank Halifax have just withdrawn our overdraft leaving us with a £4600 debt, i had to switch to a new account. they said it was brecause we fell behind with our credit cards, it was because i had cancer and was off sick, any advice would be great......

i know that the banks cant take benefit any forms of benefit to pay for charges or when an account is overdrawn, they have a legal right to pay the money back to the customer, in fact if you go into the jobcentre there is a letter they can send to the bank requesting this. however the jobcentre do offer post office accounts which may be a good route for now - tey are free.