u/Geed12

Posting for a friend:

**UK - Offered settlement after disability + reasonable adjustment request. Is this a fair figure?**

I manage a small team at a UK charity. I have MS and ADHD, both confirmed by Occupational Health as covered under the Equality Act. I recently came back from 3 weeks off sick with work-related stress, and requested a permanent 4-day week as a reasonable adjustment.

The same day, HR offered me a "protected conversation." I was told that if I stay, a PIP is likely, but the alternative is a settlement to leave. The offer so far is 2 months' notice pay plus 2 weeks' ex-gratia payment, coming to around £8.8k gross, plus £500 toward independent legal advice, with a proposed leave date about 6 weeks out.

Some background: I raised a grievance last year that went nowhere, following a failed mediation. Occupational Health also recommended a stress risk assessment around the same time, but it took about 10 months to actually happen, and it was during that assessment that I disclosed a hostile working environment. I still haven't received the written notes from it. Since returning to work, I've also noticed increased scrutiny of what I'm doing.

I'm getting a solicitor, but wanted a gut check first: does 2 months' notice plus 2 weeks' ex-gratia sound low given all this? I was thinking of countering with 6 months' ex-gratia, and going down to 3 if needed. Does that sound like a reasonable range, or way off?

Any suggestions re next steps would be greatly appreciated.

Mortgage advice

Good Morning,

Posting for a family member (64F)

Okay, so:
I owe roughly £55k on 3 mortgages (for one house) and the terms for them are up in July 2027
- one is at 1.89% (£10k), one at 2% (£12k) and the main one (with the most money owing) is 7.24% (£32k)
- the bank want me to pay £3,600 a month to pay them off by them term
- I’m only paying £1,200 a month so am in arrears of £2,400 each month
- I am in £6k arrears
- I had 2 years interest only so the capital wasn’t being paid
- Barclays want me to sell the house to pay them off, however if I paid Barclays what they want me to my expenditure would be £6,100

My earnings are:
\- £2,050
\- ⁠£762
\- ⁠£428
\- ⁠£15
\- ⁠Total £3,255

What would be appropriate next steps / the best options? Im thinking of doing an equity release. Bankruptcy might be an option.

Good Morning,

Posting for a family member (64F)

Okay, so:
- I owe roughly £55k on 3 mortgages (for one house) and the terms for them are up in July 2027
- ⁠one is at 1.89% (£10k), one at 2% (£12k) and the main one (with the most money owing) is 7.24% (£32k)
- ⁠the bank want me to pay £3,600 a month to pay them off by them term
- ⁠I’m only paying £1,200 a month so am in arrears of £2,400 each month
- ⁠I am in £6k arrears
- ⁠I had 2 years interest only so the capital wasn’t being paid
- ⁠Barclays want me to sell the house to pay them off, however if I paid Barclays what they want me to my expenditure would be £6,100

My earnings are:
- £2,050
- ⁠£762
- ⁠£428
- ⁠£15
- ⁠Total £3,255

What would be appropriate next steps / the best options? Im thinking of doing an equity release. Bankruptcy might be an option.