There is nothing sinister! My colleagues and myself put the grievance in because we were the only ones rotating to the other site. One by one my colleagues have left or moved to a different position. Now there is only me left. Problem is, now I am the only one NOT rotating! However the original grievance was never resolved and I feel that as the Trust have not followed its own procedures it should be squashed! Now that this new manager is involved I feel the Trust will resurect the procedure. But can they after it was begun in Sept. 2007?

I work for the NHS and in September 2007 I put in a grievance regarding working cross-site - (we had joined another hospital and formed a joint Trust.) I went through the stages as laid down in the Trusts Grievance Procedure. However we NEVER completed the last stage which is the final stage when it goes to the Chief Executive. I am not going to remind them because the longer the grievance remains unresolved the longer I do not have to go on the cross-site rota. It is the hospital that has not followed its own procedures - not me! We now have a new manager. She is aware that my grievance is unresolved yet she has included me on next months rota! My question is : can I continue to refuse to work cross-site by saying that my grievance is unresolved? As I invoked the status quo which is in the procedure I am within my rights.This means that things remain the same until a decision is made. Also can anyone tell me if this particular grievance is obsolete because it has gone unresolved for so long? Can I refuse to complete the last stage because it has been so long? Thanks!

Admin. or mod, please delete my letter. I appreciate there are templates on here and as such these should be used. Thank you.

NO CONTRACT - RETURN TO SENDER | www.tpuc.org Just trying to help!

He who leaves the battlefield first - surrenders.

I opened the FIRST letter from them - I did not send that one back. Now I know their address which is on the back of the envelope I will send ALL subsequent letters back unopened with NC - RTS. They have no contract with me.

They are third party interlopers who I have NO CONTRACT with!

When debt goes to external debt collecting agencies they only pretend to be a collection agent on behalf of ___ for the sum owed, but in reality they extinguish the debt by the purchasing of it.... just like mum and dad would bail you out! I do hope you thank them for buying your worthless fiat currency promise. stupid and greedy but still very kind of them. And always remember only God can create something out of nothing!

DCA's cannot take you to court, unless you contract with them, either through unconditionally agreeing to pay whilst talking to them on the phone or a written letter with your consent/signature. Don't let them scare you guys. It's all smoke and mirrors!!

DCA's and solicitor cannot take you to court, unless you contract with them, either through unconditionally agreeing to pay whilst talking to them on the phone or a written letter with your consent/signature. Don't let them scare you guys. It's all smoke and mirrors!!

Send 'em this : ARNING THIS IS A REQUEST UNDER THE CIVIL PROCEDURE RULES PLEASE DO NOT IGNORE In care of: My name (legal fiction? or Me:Family name?) Current address Date: Dear Sir/Madam Account details: XXXXXXXXXXX Thank you or your letter dated XXXXXXX in which you have indicated that there is an imminent court action should I not respond to your letter. In your letter you have given notice that “our client” is preparing to initiate legal proceedings over the non-payment of the alleged outstanding balance on the above account. Given that this matter is now subject to potential legal proceedings, you are obliged to provide, under the Civil Procedure Rules, information to ensure that all parties are on an equal footing, and also to ensure the claim is dealt with expediently and fairly, avoiding an unnecessary burden on the Court's resources. Under the Pre-action Practice Directions - Protocols 4.6 of the Civil Procedure Rules, I request that you supply copies of the following documents: 1) A true copy of the executed contract and any terms and conditions that applied to the account at the time of default. 2) All records you hold on me relevant to this case, including but not limited to 1. A transcript of all transactions, including charges, fees, interest, payments and both the amounts of credit and any repayments made to the account. 2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations 3. Where there has been any event in the account history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to the account held by me with Lowell Financial/Red DCS. 4. True copies of any notice of assignment and/or default notice or enforcement notice that you sent to me, with a copy of any proof of postage that you hold. 5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable). 6. Details of any collection charge added to the account: specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers. 7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998. 9. A list of third party agencies to which you have disclosed my personal data and a summary of the nature of the information you have disclosed. 10. Copies of statements for the entire duration of the credit agreement. This information is required within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to deny me the opportunity to review my position in relation to your claim of alleged breach of agreement and any possible counter-claim. Please note that, as you have initiated this action, failure to respond to this letter will place this account in clear dispute and as such you may not: • demand any payment on the account, nor am I obliged to offer any payment to you; • add any further interest or charges to the account; • pass/sell the account or outstanding balance to any third party; • register any information in respect of the account with any of the credit reference agencies; or • issue a default notice related to the account. Should you ignore any of the above, I reserve the right for legal action for redress, and will show the court this letter. I will also report your actions to any authority that I see fit and will request that your suitability to hold a consumer credit licence be reviewed. I look forward to hearing from you in due course. Yours faithfully,

Send them this letter : WARNING THIS IS A REQUEST UNDER THE CIVIL PROCEDURE RULES PLEASE DO NOT IGNORE In care of: My name (legal fiction? or Me:Family name?) Current address Date: Dear Sir/Madam Account details: Client: Thank you or your letter dated XXXXXX in which you have indicated that there is an imminent court action should I not respond to your letter. In your letter you have given notice that “our client” is preparing to initiate legal proceedings over the non-payment of the alleged outstanding balance on the above account. Given that this matter is now subject to potential legal proceedings, you are obliged to provide, under the Civil Procedure Rules, information to ensure that all parties are on an equal footing, and also to ensure the claim is dealt with expediently and fairly, avoiding an unnecessary burden on the Court's resources. Under the Pre-action Practice Directions - Protocols 4.6 of the Civil Procedure Rules, I request that you supply copies of the following documents: 1) A true copy of the executed contract and any terms and conditions that applied to the account at the time of default. 2) All records you hold on me relevant to this case, including but not limited to 1. A transcript of all transactions, including charges, fees, interest, payments and both the amounts of credit and any repayments made to the account. 2. Transcriptions of all telephone conversations recorded and any notes made in relation to telephone conversations 3. Where there has been any event in the account history over this period that has required manual intervention by any person, disclosure of any indication or notes that have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to the account held by me with Lowell Financial/Red DCS. 4. True copies of any notice of assignment and/or default notice or enforcement notice that you sent to me, with a copy of any proof of postage that you hold. 5. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted (if applicable). 6. Details of any collection charge added to the account: specifically, the date it was levied, the amount of the charge, a detailed financial breakdown of how the charge was calculated, and what the charge covers. 7. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 8. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998. 9. A list of third party agencies to which you have disclosed my personal data and a summary of the nature of the information you have disclosed. 10. Copies of statements for the entire duration of the credit agreement. This information is required within the next fourteen days. I must advise you that if the information is not forthcoming, it will be reported to the Court that you are trying to deny me the opportunity to review my position in relation to your claim of alleged breach of agreement and any possible counter-claim. Please note that, as you have initiated this action, failure to respond to this letter will place this account in clear dispute and as such you may not: • demand any payment on the account, nor am I obliged to offer any payment to you; • add any further interest or charges to the account; • pass/sell the account or outstanding balance to any third party; • register any information in respect of the account with any of the credit reference agencies; or • issue a default notice related to the account. Should you ignore any of the above, I reserve the right for legal action for redress, and will show the court this letter. I will also report your actions to any authority that I see fit and will request that your suitability to hold a consumer credit licence be reviewed. I look forward to hearing from you in due course. Yours faithfully,

At the moment I am being 'chased' by Capquest for a debt I do not recognise. Now I know its them, every letter I get in future I will I mark up : No contract - return to sender. NC - RTS See how many letters I can send back! I do not have a contract with them! They have bought the debt : so if they have bought it - it is paid isn't it!?

Are YOU still banking with them!? Hall of Shame | www.tpuc.org

I would say the 30 days is up now and I haven't heard a dicky bird from RW except for the letter of acknowledgment that I reported on earlier. Do I need to do anything further? I haven't bothered to send the S.A.R to OC. - yet!

Thanks for your help Scott!

Thanks for your reply Scott. Do you think I should send S.A.R. or just wait to see what happens? There seems to a few different examples of S.A.R. letters on here. Which one would you recommend in my case? Thanks!!

By my calculations the 12+2 days has expired. I suppose now I just wait. Do I need, as was suggested above, to send S.A.R. to GE MONEY HOME FINANCE LTD? What is the actual purpose of this? Thanks for your help!

Thanks Scott. all the best!

Hello Friends, Here is an update on my dealings with RW. Today I received the following letter from them : "Further to your recent correspondence, we have forwarded your request for a copy of your agreement to our clients and we are waiting their response. We enclose the £1 payment you sent to us and we will forward a copy of the agreement to you once we have received it from our clients. In the meantime we have placed a temporary hold on your account." The client is : GE MONEY HOME FINANCE LTD. What do I do now? Wait? Thanks for your help and comments.

Thanks for your replies guys! Thanks for yours DiskmanDave. I know the other guys won't mind me calling you 'The Legend.' I've been reading your threads on here. I will take note of the next letter I get from RW to see who the original lender is. Until then I'm waitin' and anticipatin'

Thanks for your advice - but its been so long ago I don't remember who they are!

Here is an update. My recorded delivery containing my request for CCA was signed for on 6th May at RW offices. I guess now I just wait.

Thanks for your support guys! Actually they have never called me. After reading how to deal with them on here I somehow wish they would!

Hello ALL, What an absolutely fantastic forum! Full of great information and helpful and knowledgable folks. I have been paying £10 per month for years - maybe even 9 or 10 - time flies by so quickly - to Robinson Way. Recently, even though I hadn't missed a payment, they sent the usual standard letter to contact the office to discuss paying off my debt to them in full. As usual I binned it and have never called them. A few days later they sent the 'home visit' letter. As I hadn't missed a payment I was a little perturbed. I did a search and came across your absolutely wonderful site. As a result, I have sent off my CCA letter to them this Saturday morning 4th May by recorded delivery. I can't even remember who the original lender was now as its been so long ago. It was a consolidation loan from a local company to pay off credit card bills. I was self employed in the mid 90's and could easily afford the repayments However, I ceased trading and defaulted on my payments. I then was contacted by Robinson Way and agreed to pay £10 per month. I think they said the original debt was for about £5000 even though I am sure I only borrowed £3000. If I had known then what I know now after reading the illuminating threads on here and the wonderful advice offered by members I would not have paid them a penny. If they do not produce any proof they will get no more money from me! Any advice or comments would be very much appreciated. Will keep you updated!