Hi Sue This isn't a big deal, just a wee bother cos I don't like working for free. I have cut and pasted an excerpt of a letter I sent to a former employer here: Employee Number: xxx Re: unpaid work (approximately 6 hours at £7.33 per hour, 19 December 2008). Mr X You may recall that I was employed as a temporary porter during the Christmas/sale period; and that, when I told you about the aforesaid anomaly, you promised me that you would rectify the error. Indeed, I reminded you several times about it. In spite of innumerable attempts to contact you about this, and, by dint of those attempts, much expense incurred, you have not yet deigned to reply to my messages or my entreaties. Am I therefore to conclude that you care not to keep your promise? If that is so, in order to exact what I am owed, or its equivalent, you will leave me with a form of redress that I would prefer not to undertake, namely, direct action. If you do not complete the requisite 'Payroll Supplement Receipt' so that I can be paid what's due to me, that is, if you reckon that these words will ultimately be at variance with actuality, you will find yourself gravely mistaken. I am obviously unhappy with your blithe attitude towards what is rightfully mine (which I had envisaged pretty much from the moment I brought the matter to your attention). I hope that you can empathise: how would you react if money was owed to you – the amount is irrelevant – and despite many polite requests it eluded you because of another's incompetence or arrogance or whatever? Moreover, I now wish to be paid via cheque or into a different bank account. No more prevarications please; do the right thing! That was a daft thing to do, no? I was exasperated, as you can maybe tell. In fact I might have made a few minor amendments before I sent it (so as to make it more conciliatory). I suppose I should let it drop... then again, it's not the first time that such a thing has happened - and I doubt it'll be the last. Any advice for me and our comrades for when these mishaps occur?

Heya If anyone wants a home address for any of the Directors of that feral mob, just drop me a line and I'll try to trace a pertinent one. I'm DCA myself - one who feels immense compunction for the ill-begotten gains I generate for the theiving **** I work for...wanna redress

Hi all Not sure if this is relevant to the thread, but here goes: The Office of Fair Trading publication entitled 'Debt collection guidance; final guidance on unfair business practices (OFT664)' - and ambiguous sort of document - as you might expect - equivocates thus: [sic. examples of unfair practices are as follows] 2.2 c. those contacting debtors not making clear who they are, who they work for, what their role is, what the purpose of contact is... 2.2 g. ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them, for exmaple, shift workers who ask not to be telephones during certain times of the day... Quite what qualifies as a legitimate wish I'd like to know. I know my interpolation here doesn't continue fluently from the thread, but I'll be extremely grateful to anyone who can help me to outwit Nationwide, who've contacted my mother (my financial information has always been sent to her address) and even though she's told them not to call there they still do. I'm exasperated. For my sins, btw, I am a debt collector myself. There's no excuse for that, yet I mention it because I can tell of many contraventions of the law; what exists de jure, of course, is not a de facto right for the poor. I intend to declare myself bankrupt. So, I did actually log on to quickly find out whether, if I do, it'll affect me mother's ability to re-mortgage in a few years. I don't still know. I know that it's incumbent upon me to find the answer for myself here at this oracle. Nonetheless a quick answer I entreat. As I understand it, if one has had no ostensible connection to a previous address for six months, it won't affect anothers credit file. But what if I were to declare myself bankrupt today, still associated to my ma's address? Anyhow, if anyone wants advice on how to outwit the eff-witted like of me (DCA), please just ask. There are some very mean people out there. My employer is counted among them.

erm, sorry to interject on this thread inappropriately - not sure how to pose a new question/start a new thread - so this is a bit of a moot point: if I make SAR to a credit card co. or bank, shouldn't it therefore be returned to me with the information they've got on file from 'credit reference' agencies? I imagine this isn't the case. These threads leave me utterly indignant - what an outrageous captive state we live in.