The most common and most likely answer to this crossword clue is the 7 plus 7 letter word PASSIVE SMOKING
I've seen this crossword clue in The Sunday Telegraph
P
A
S
S
I
V
E
S
M
O
K
I
N
G
Buddy explains!
The straight part
We know that "Predicament I have with effect of pollution involving those near to me?" is the straight/definition part of the clue. The straight part is often a synonym or definition, in this case predicament i have with effect of pollution involving those near to me? = passive smoking.The cryptic/wordplay part
In cryptic crossword there's often an wordplay/cryptic part as well.This part involves a more complex hint, such as an anagram, homophone, hidden word, etc.
Sadly, We don't have an explanation for this specific crossword clue yet.