ok the just of things is that i have 3 different catalouges and a debt to robinson way for paypal totalling 3715.53. i was paying these all fine (other than RW) until xmas and i have no split with my husband and responsible for bill paying again! ugh. have just gone on income support, and child tax credit with effect from this week. both are reduced rates (because my husband will still be paying the mortage- and because i owe child tax money) so after all the bills i have approx 100.00 at the very max to pay off these bills. all who are asking in excess of this monthly. i have just written up my monthly budget so they can see a copy as per advice of citizens advice, but i have NO idea what to put in the letter or if there is a template anywhere. i know i need to put my offer and show the others and how i came to the figure (debt x availible money= ? divided total debt= offer) but i dont know what else to put?? any help would be greatly appreciated as i need to send these off asap, as thje phone calls are getting too much!

thanks for that- wow scary lol. i hope they send it within the time, i really cant afford court costs before i go on holiday lol

nope?? is that in the library??

ok today was the last day and no statements. is there any letter that i should be sending thats in the library that i dont know of?

nah ill send one on monday only it wont be nice

its just driving me bonkers!!!! i know of two people who sent theirs only a couple of days before me and both have had the statements back and sent off the next letter plus they both recieved a letter from natwest acknowledging the request. im just concerned it will be *lost* arghh lol

still not heard anything from natwest and no statements either. dont they know i brought new highlighter pens to mark the occasion??? lol

have they cashed the cheque yet?

yeah exactly- i guess at least hes not trying to lie.

ugh code. anyway i got a swift reply for the afore mentioned Chris. well not a reply as such. but cc-ing me and email to his brother/partner. we

i just emailed them. im scared lol. my email:- ***** I am writing again following 3 previous contact attempts with regards to the money owing to myself while i was under contract as a chat operator for your firm, MyTxt. On the 1st April I emailed Peter to let him know i was standing down from my position and he replied to me CC-ing Chris to tell him to pay my money owed. By my calculation the latest i should have recieved my payment was the 13th April, giving the extra time due to Easter. Following this time I again contacted as a gentle reminder, this email went ignored. On the 30th April i emailed again saying i required payment with this months "batch" which again should be cleared through banking no later than the 9th. Again my email was ignored. I require immediate payment of this money. If you do not pay me in full within 10 days, I shall begin a claim against you for the full amount plus interest, plus my costs, without further notice. If you do not intend to pay me you must therefore disclose what monies that are owed to me, or i will be using an estimate from hours worked. For your reference my banking details again: sort code: account number: account name: mrs sarah I look forward to your reply. Yours faithfully, Sarah Hammond

cool thanks

thanks for your advice yes they have a registered head office, but since everyything has been via email i was going to try that first. what is an LBA???

i am struggling i never recieved a contract from them- nor do i know anyone else who was employed by them who had one. i just wanted some ideas on how to word an email to them so they give me what im owed basiclly.

hi, no, no contract, you are essentially self employed. no record of jobs done either- after my first month working for them when they paid me 145.00 they introduced a roll over system as they claimed it was more money to them having to pay people who earnt under 150.00 aqnd then they would roll it over until you make that and then theyll pay you. over the next 4 months, every first of the month the wiped the statistics board availible on your account via their website and when i emailed they insisted it was kept as a running total and i would not lose any money. i know it was approx 20.00 the first month, nothing the next as i was offline, and approx 40.00 the 3rd month and about 20.00 the 4th and then i quit, still not having made the 150.00.