I have now sent the letter and was advised by ACAS that I could just do it via email and to give them 14 days. I received an email back asking me to give them documentary evidence that I was indeed working during the month of July. As i mentioned before, I worked from home and basically just used their mobile to contact potential clients or went out handing out business cards. I believe this is just a tactic to say that they have tried to respond to my letter rather than actually try to resolve the matter. should I respond to this or just wait until the 14 days are up? cheers

Your replies are much appreciated, thanks. I will get onto this tomorrow as it works out at just under £3k which is money that I was counting on. Would you suggest recorded delivery or just an email? Once again, cheers.

thanks. How long does it normally take for an ET to get to court? I realise this may vary but is it normally after 12 months type scenario or s it much quicker than that? thanks, Tommy

Hi, Until recently, I had worked for a company (in Scotland) where my role was setting up appointments for myself and going out to businesses and selling my company's services. Most of this was done from home as the office was 70 miles away. I only started with them in April and on the 19th July, I sent an email to one of the directors to give them my 1 week notice. As I hadn't signed a contract I naturally assumed that this would suffice. I then contacted the wages person to ask what my wages would be at the end of the month and she told me that I had to contact the director. He sent me an email saying that they are only paying me up to the last time i was in the office. As far as I am concerned, they are just making things up as they go along. What should be my next course of action? Thanks in advance...

one other thing is that if i took a loan out for £3,150 over 18 months at 65% the total repayment would have been £4,555 but they want me to pay back £4,863. Am i working this out wrong?

Hi all, I was wondering if someone could shed some light on a settlement figure I received from Welcome Finance. I lived in spain for 3 years so when I returned I unfortunately had to go to Welcome for a loan due to the fact of having virtually no credit rating. I received a loan of £2k in May 2007 at 65% APR over 2 years and agreed to pay back £135 per month with the 1st payment coming out of my account on the 1st of July. By January, I asked for an increase of £1,150. I then agreed to take this over 3 years at £155 per month with the 1st payment to come out on the 1st of March. There is apparently no early settlement fee so I was surprised to find out that my settlement figure was £2,813, especially as I've paid £2,050 (I'm assuming the settlement figure takes into account that a payment will be made at end of this month) over a period of 18 months. Are they including the interest for the rest of the term? If anyone can help, it would be greatly appreciated. T

thanks for the reply. i imagine the banks do not keep a digital record of you after a certain amount of time, even if you owed them money. has anyone else had the same situation with RBS? cheers

Hi all, i have a quick question for anyone. When i was younger (about 8 or 9 years ago), i had just left university and had an overdraft of about £2k and a credit card of about £750. I was also racking up some charges. I eventually stopped paying and moved address. The bank has never caught up with me. This may sound like a stupid question but will i be able to go back to the bank and open an account. there is a valid reason for me wanting to do this. this bank is RBS if that makes any difference. thanks in advance T