Good morning, everyone. I'm sure you're doing well today.

Please advise me on what I should do. I am currently servicing two loans, one from my school's Non Academic Staff Union (NASU) (which was later transferred to the commercial bank and interest rate increased to that of the commercial bank) and the other from a commercial bank.
I was servicing the loan I obtained from NASU because of the low interest rate until I was informed by the chairman that the union is no longer in charge of the loan (for no reason) and that management of the loan facility has been handed over to the commercial bank where I am serving the second loan. Despite the fact that I was not the only one affected, I attempted to see what I could do to put an end to such injustice, as we were now required to service the loan at the commercial bank interest rate. I attempted to contact the National NASU chairman to intervene, but nothing was done. I had to give up on the problem because I couldn't find a solution.

On the other hand, the loan from a commercial bank that I have been paying up to this point had an understanding that deductions would be made from my monthly paycheck and any outstanding payments would be made from my gratuitupon retirement.
The problem now is that an arrears is to be paid to me (not my gratuity), and the bank Manager has said that the bank would also deduct from the entitlement. Please advise on the appropriate channel via which this concern can be handled. Thank you very much.