Employment and health issues. I started a new job back in August and I have accrued 12 sick days for various reasons. The most recent is two week for lower back spasms where I couldn't walk no more then a couple of steps, can't bend and in considerable amount of pain. I am due to see a doctor who deals with backs tomorrow as a stop gap between my referral to a back clinic. I am still struggling to stand or sit for long period of time and still need pain meds. The doctor may or may not advise me to return to work. I work in a nursery looking after toddlers and I do feel I'm putting myself and the children at risk, if a child falls over I can't bend to pick them up! Also long hours on my feet (10 hour shift) and very physical. I am concerned they will dismiss me and another employee has just been dismissed on the grounds of her health rather then supporting her, I am left anxious about my return, wondering if I'll make myself worse or if I'll even be supported by management. Makes me feel like jacking it in. Do I go on some kind of health related benefits even if it's for a short time? I don't even know what other job I could do, teaching early years has been my life for 20 years , Any help or advice appreciated

Paid approx a year ago

Received several letters from intrum regarding a debt for jd Williams I know its mine however I have realised they have misspelt my surname and put me as a Mrs not a miss, could be a mistake I never noticed when I set up the account. Am I still liable?? What are my next steps?

i have downloaded a form and i am going to try, worse they can say is no

ok, i assume i dont as i work

hi andy, filled the form out and going to write the letter and get it sent monday. Do i send the form to the courts or the claimant ( cabot ) or mortimer clarke solicitors (payment address ) Thanks

thankyou i will give it a whirl, i rang them yesterday they explained since the form being sent the council have slapped an over payment of housing benefit and council tax benefiti i have gotta try and pay 300 in the next 2 months to pay c.t off and they want me to pay double my rent to clear arrears i voiced my concerns of trying to keep up with it all, they were not helpful in fact he was rude and tried to tell me a budget of 200 a month for clothes is too excessive , i agreed and explained when you got two children going through puberty especially my son at the min who has had 3 growth spurts in last 6 months, told him i have had to replace alot of clothing because of the growth spurts....apparently he dont care about that. he has put my account on hold for 28 days to send another /revised income expenditure form to include ct and hb over payment i did ask if he could cut the payment to £40 a month and he said no, he was a right arragant git to be honest. i I can afford the 80 but i am worried at the same time, i am going to ring the council monday and see if they will lower the payments maybe by half. i am still going to put the form in. Do i send a postal order or cheque for the 50?

UPDATE I am fuming all, i had the letter back from the courts they have refused my offer of payment of £10 per month and have issued me an order to pay £80 a month which is going to kill me financially i am in two minds: pay it and struggle for 14 months or do something to bring the payment down but dont know how to do that any help/advice will be appreciated thanks

ok thanks for all your help, will see how it goes, will let you know if i get any other letters

Definately after 07

ok I think its a cataloque, not 100% sure as i have a few i am going through at the moment, it says mail order on my credit reference report. Its for £788.24 Apparently i received a letter recently which i probs did but i cant find it Saying that further action will be taken by another debt collection agency or continued contact want me to contact to make a proposed agreement

hi all, received a letter from moorcroft regarding a debt when i checked my credit report and printed for free a month ago, the debt in question is under lowell??? confused.com i have no letter of it being passed on What are my next steps? I know i need to request a copy of credit agreement but is there anything else? Thankyou sorry just realised on the RE part of the letter received today it says its from ARROW GLOBAL ACCOUNTS MANAGEMENT

i have emailed the housing people and they are going to get back to m, i know it could be a while, such a frustrating system and i know people are in a worse situation then me, i love my flat aswell but just cant let them share anymore x

my childrens bedroom, just wanted to post to show i am not lieing about the lack of space in there to split the room

(4) For the purposes of the bedroom standard a separate bedroom shall be allocated to the following persons— (a) a person living together with another as husband and wife (whether that other person is of the same sex or the opposite sex) 5 (b) a person aged 21 years or more © two persons of the same sex aged 10 years to 20 years (d) two persons (whether of the same sex or not) aged less than 10 years (e) two persons of the same sex where one person is aged between 10 10 years and 20 years and the other is aged less than 10 years (f) any person aged under 21 years in any case where he or she cannot be paired with another occupier of the dwelling so as to fall within ©, (d) or (e) above.”. Housing (overcrowding) bill (no date) Available at: http://www.publications.parliament.uk/pa/cm200203/cmbills/046/03046.i-5.html#j002 (Accessed: 15 November 2015).

i am sure my council have set age, children above 10 of opposite sex shouldnt be sharing, i would put a devide but there is no room, the room is narrow and not enough room to put a bed the other end, i already have my daughters wardrobe and chest of drawers in my room because of lack of space, my flat isnt very big

Yes i am single, i have thought about that but sometimes get angry because i shouldnt have too

just to let u know i am not homeless, i couldnt find the right section to start the thread

i think i may have put this in the wrong section, sorry I have an issue regarding housing, i currently have a 2 bedroom flat with a boy and a girl sharing a room. I have recently went on the bidding system and i usually come around 20-30 out of approx 100 bidders. The children are aged 12 and 10 and have both hit puberty, arguments all the time which is stressful on myself, normal teen stuff really but i feel it could be minimised if they had their own space, i suffer with depression as-well so sometimes it really doesn't help. I am on the mutual exchange but no one is interested. I cant afford private, would of done so along time ago if i could Is there anything i could do to speed things up? regard louise

any further debts that land on my door i will ask for advice here first, thanks for the help

okai i will do i shall pay by standing order or direct bank transfer, not direct debit as i dont want them changing the plan to suit themselves at any time

hi all, spoke to the courts and yes its been forwarded luckily, just waiting to hear from them now so its too late, i am aware it will effect my credit for 6 years, to be honest my credit cant get much worse which is my own fault

Ok i will ring them i probs sent to wrong people then, hopefully they can help

the debt was definitely after 2007, i signed the agreement in 2013 which is why i admitted to the debt and agreed a payment plan, my concern is that they havent received my reply with the income/expenditure and my offer, i will ring them thursday i think, any further debts i wont admit too and follow the advice as set above