After many years as a casual, then fixed-term worker (gaining permanent status under the Fixed Term Workers Regs') I have been offered a permanent post via an offer letter, however not accompanied with a job description or principle statement of terms. The job I was, and still am doing for all those years was and is exactly the same without exception to 2 other permanent members of staff who I work along side. Indeed I have their job offer letters, job descriptions etc. and which are consistent with each other but it appears fundamentally inconsistent (hours of work and specific days) with the documentation I have received for me to consider the post properly. Can anyone give me a steer as to what I can do to encourage my employer to align my employment particulars with my 2 other colleagues whom I work alongside. Thanks. Blue

Thank you so much for your help. I have concerns though that if Marks and Sparks Money did issue a CCJ previously to my old address still well over a decade ago a CCA letter rebuttal might not be the appropriate course on action. I will add though Red Castle haven't mentioned this and it appears to me they are just rattling the blunted blade at me, but I am still slightly concerned. Another point of concern is that I did send off the CCA sortie to them with a £1.00 postal order, however I mistakenly signed the letter. Do you imagine this is such a huge problem now they have a sample of my signature? Thanks again Blue

Can anyone give me the low-down on Red Castle Recoveries in terms of their effectiveness and profficiency etc. I see opinions on other debt recoveriy companies and wonder if anyone has had experience in dealing with them. Blue

Hi all, First time poster so be gentle with me. I've been reading the absolutely fantastic advice contained within this site and it heartens me that there is a collective fight back against the sometimes sinister and rogue practices that go on in the credit industry. Anyway, remarkably i've received a letter completely out of the blue from Red Castle Recoveries stating that I owe in excess of £10,500 on an unsecured loan via Marks and Spencer Money. Nothing remarkable about that, but the debt is at least 15 years old and I have never received correspondence from from them in that time. Not even a court summon, default letter nothing!! Admittedly, I lived somewhere else when I took the loan out way back far more that a decade and a half ago, but moved to my present address in the midst. I can only assume the debt recovery people have trawled the voters roll and credit reference agencies etc. and found me at my new adddress despite me living there way over a decade. The debt collection agency threatens to send a door step agent out to my address but says that if I pay up within 10 days they'll reduce the outstanding debt alleged to be owe by £4,000. I have not answered yet but i very tempted to as I am buoyed up by the gems of wisdom and informationed within this site. Any direct advice one give please? Thanks. Blue