I have spoken to my bank HSBC they have been great, because they are aware of my work record, my wages go diectly to them from my employer and have done for the last 20 years . I also have a good saving and credit history with them. It was so nice to be spoken to as a person not as an account number. thanks for the message. Employer wont budge though and the union is now involved because so many of us are in this position, I have never made it an issue, because it has never been one before.

No foul play suspected and the Brittania have aploogised after looking at my history with them. My bank HSBC have also been wonderful and because of my record and accounts with them are only too happy to help. It was the way I was spoken to I had issue with I am not just an account number I am a person.

yes ?

same hours each week, only taken annual leave. only had 4 days sick without pay, in this time. I work for local council and they are adamant I am not entitled to any contract because I am casual part time?

work same hours each week .only take annual leave. 4 days off sick in 20 years. they, local authority local council are adamant as a part time casual worker I cant have a contract. even after all this time.

I have worked 20 years doing the sam job same hours for local council, but because I am only "casual part time" I cant have a contract of employment, so I cant have a mortgage renewal ? what are my rights, if any . so so unfair.

there are charities that will help you, ring C.A.B. to see if they are in your area, so sorry for you

thanks dotty. The COI is required because I am having the mortgage transfered to my name only. I have paid it since we divorced 20 years ago and the building societys attitude has always been , he may share the debt but the property is yours. I have spoken to mortgage advisors and they share the opinion that without a contract of employment I am going to struggle to find a providor. bad times.

I divorced 20 years ago and was awarded the house in full and final settlement. Building society aware and have copies of all paper work. His name still on mortgage although they are aware that I alone have made all payments. Solicitor acting to put house in my name only , Society told of this . Apparently even though I am not in arreas and have made over payments for the last 5 years because I dont have a contract of employment (been in this job for 22 years) as they are aware .They wont entertain my application? house worth at least £160.000 and I owe £39.000. HOW AM i A BAD RISK. I am scared , not sleeping and a mess.