Hi, Have just read your posts and I, after sending a claim for repayment of charges to BCT, had exactly the same letter in return. Have just forwarded claim to FOS and await their reply. Meg

Hi all, Below is a letter sent to WFS Swansea office before Xmas: Richard Pegler, Customer Account Manager, Welcome Finance, 2, Christina Street, Swansea, Glamorgan, SA1 4EW 14 December 2007 Re: Account Number 1249443 Dear Sir / Madam, I write with reference to your letter dated 11/12/2007, received today. There is, as your records will show, history behind this ‘debt’ relating to a vehicle part exchange agreement in May 2005 between myself and Halfway Car Sales of Llanelli. I traded the vehicle that this account was secured against in approximately May of 2005 and believed that that was the end of the matter. In July or August of that year, I was chased by your company for the balance of the account as no payment to you had been received from Halfway Car Sales, even though they had sold the car on to another customer (with outstanding finance???!!). On 19th August 2005, you wrote to me stating that Halfway Car Sales would only pay £4847.19 and that I was liable for the balance of the settlement figure which was £265.97. I duly sent a cheque for this amount to your offices at Northampton. At the time, we had just had a change in jobs and a house move to a new area and finances were tight to say the least. I had a call from your Northampton office to tell me that the cheque had been returned unpaid and that as the matter had dragged on and on (through no fault of my own), the cheque would not be represented and that I was now liable for the full balance owing, being approximately £2566.77!! I agreed to start repaying the balance due by way of standing order at a rate of £10.00 a week, later increasing the repayment to £60.00 per month and continued to pay at this rate until May or June of this year. I believe that I have repaid over and above the original £265.97 which I now understand, from my dealings with www.carcreditcomplaints.co.uk forum, was part of a short settlement agreement that reverted to the full amount when my cheque was not honored and the garages payment was simply deducted from the full amount owing. Unless I can receive another similar short settlement figure, I am neither prepared nor able to pay any further monies against this account. Furthermore, I wish to express my serious concerns regarding telephone calls received from your company. I formally request that all further correspondence be made in writing only. I demand that attempts to contact me by telephone stop immediately. I am familiar with the terms of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1970 and I believe your harassment places you in breach of these acts. If you continue to call, you will also be in breach of the Wireless Telegraphy Act (1949) and, as such, I will report you to both Trading Standards and The Office of Fair Trading. Take further note that continued harassment by telephone after the receipt of a request not to call may constitute a criminal offence under Section 127 of the Communications Act 2003. You will be deemed to have been served notice of my request and I will deem it served by 21st December 2007, I am advising you that any calls received after this date will be recorded with the intention of them being used as evidence. Yours truly, Their reply was basically: We require you to tell us where the vehicle is as you were not allowed to sell / dispose of the vehicle without our authority. My response in January '08 was: Richard Pegler, Customer Account Manager, Welcome Finance, 2, Christina Street, Swansea, Glamorgan, SA1 4EW 14 December 2007 Re: Account Number 1249443 Dear Sir / Madam, I write with reference to your letter dated 14/01/2008, received today and my letter to you dated 14 December 2007 (copy enc.). I have no knowledge of the whereabouts of vehicle registration mark V966 ABE other that it is probably in the Llanelli area. As previously stated, I traded the vehicle as part exchange in approximately May of 2005 with Halfway Car Sales, Halfway, Llanelli. You were aware of this transaction at the time as you had contacted both myself and Halfway Car Sales about surrender values, etc. When I collected my new vehicle, in good faith, I believed that that was the end of the matter. In July or August of that year, I was contacted by your company for the balance of the account as no payments had been received by you from Halfway Car Sales, even though they had already sold the car on to another customer (with outstanding finance???!!). On 19th August 2005, you wrote to me stating that Halfway Car Sales would only pay £4847.19 and that I was liable for the balance of the settlement figure which was £265.97. I duly sent a cheque for this amount to your offices at Northampton. Due to our circumstances at the time, the cheque was returned unpaid and I was contacted by your company who stated that as the matter had dragged on and on (through no fault of my own), the cheque would not be represented and that I was now liable for the full balance owing, being approximately £2566.77!! I agreed to start repaying the balance due by way of standing order at a rate of £10.00 a week, later increasing the repayment to £60.00 per month and continued to pay at this rate until May or June of this year. I believe that I have repaid over and above the original £265.97 which I now understand, from my dealings with www.carcreditcomplaints.co.uk forum, was part of a short settlement agreement that reverted to the full amount when my cheque was not honored and the garages payment was simply deducted from the full amount owing. Unless I can receive another similar short settlement figure, I am neither prepared nor able to pay any further monies against this account. I will be seeking legal advice on this matter and conferring with local trading standards authorities. Yours Faithfully, I have sent copies of this letter to the entire board of Cattles plc by email and also to the OFT and local trading standards offices. If anyone wants to email Cattles, just substitute the persons name for info. Therefore, [email protected] becomes [email protected] for the chairman. The entire board is listed on Cattles website. Will let you know how I get on!!! Meg

fervent ardor, smiling

started spinning plates

a large furry

which was shaped

Emfarseis

but for the

Quince

slice of battenberg

nudism

the far corner

which, inexplicably, started

Klaxon

toothpaste

wobbly

Thanks loulou11 for your reply. In 2006, we were told (never had a bill), that we owed around £1400 for utilities. Worried, we let them deduct £500 from our owed commission towards it (we have documented proof of this) but have never paid any more even though we have asked and asked for a regular deduction from our pay.Now 2007 bill due and that will be around £1200 on top. The only thing I am really worried about is either deducting the utilities we 'owe' from our final pay or chasing us for it after we've gone. If they do just take it, do you think I will have recourse to get it back. We do have a house to go to. We also have an industrial accident claim to process which we've held back on since April '07 out of 'loyalty' Megellen

Hi All, A little under 3 years ago, MOH & I gave up decent jobs to manage a holiday park. Terms were discussed at the interview and a verbal job offer soon followed. The job came with on site accomodation for which we were told at the time that utilities were included. We are in salaried positions. We have never had a contract of employment or a written statement of particulars of employment. Is this legal? We work 6 day weeks - what should our holiday entitlement be? We regularly work well over 60 hours a week each and on each bank holiday (which goes with the job). We can only take holidays out of season and have apparently 16 days to take before 01/03/08. We are about to resign our positions and know that utility bills will be deducted from our final pay. Is this legal? We have no faith that we will get outstanding holiday pay. Any advise please?????

UPDATE: Sorry been away for so long - its now our silly season and we don't get 2 hrs a day off until the ankle biters go back to school!!! Deemed served on 04/07 and Eversheds defending whole claim. SoC sent to both court and Eversheds. Am I right in that Eversheds have 28 days from 4th to file their defence? If so is that court working days (would take us to 13 August) or straight calender days (would take us to 1st August)? To date, since acknowledgement, I have heard from neither MCOL or Eversheds. Is this normal? What can I expect next? Meg

Vitrile

The Abbysinians

Oh!

Culture

X X is a noted punk rock band, formed in Los Angeles in 1977. While they achieved only limited mainstream success, they were widely considered one of the most accessible and tuneful of Los Angeles' many punk bands. Their landmark 1980 record Los Angeles resonated so loudly with the artisans of the city it is named after, that the band received an Official Certificate of Recognition from the City of Los Angeles in acknowledgment of their important contributions to Los Angeles music and culture. They were hugely influential on various genres of music, including punk, hardcore, and folk.

portion