Hi all, I have recently written to my local council after having to go back onto ESA through illness and being Sacked at work due to absence relating to illness. Anyway, they assessed my award and said I am under occupying my property by one bedroom ! My property is classed as a Three Bedroom mid terrace property. I wrote to the benefits section on 04/12/13 and they have replied stating that I should take it up with housing to reclassify the property if I do not feel it has 3 bedrooms. Now, I do not technically dispute the property having three bedrooms. What I do dispute is that my children should be forced to share either of the rooms (in order to take in a lodger, even tho my Local authority do not allow this). The make up of my household is this - Two children aged, 8 & 10. Both Girls. Myself (Dad) Partner (Step mum) Now, the two childrens bedrooms are 64.5sq feet and 99.6 sq feet in size. Under the Space standards act the larger room can accommodate 1.5 units and the smaller of the two only .5 units. Both my children count as 1 unit under the revised act as they are both over 5 years old. So unless Ive missed something and I can cut one in half to spread them equally it just Can NOT be done ! Now, according to the Local Authority benefits department, The Space standards act does not apply to benefits ??? Even tho looking at the case http://speye.wordpress.com/2013/09/13/judge-rules-housing-act-overcrowding-size-issues-apply-to-the-bedroom-tax/ that went to tribunal states it DOES ! After speaking to my council today on the phone they are just going to play ping pong with me between housing and benefits departments. What do I do now ? Do I appeal again or go to tribunal and if so do I have a case based on my position ? The letter I wrote is quoted below. This is a link to the actual decision which is attached to the article - http://speye.wordpress.com/2013/09/06/significant-bedroom-tax-tribunal-result-landlord-3-bed-tribunal-1-bed-appeal-appeal-appeal/

I have woken up today feeling awful, no energy at all, sore throat, achy and just feeling terrible, can hardly walk around the house. The thing is i'm due to go to a Work Programme appointment on Tuesday and a job fair Thursday and i'm worried because if i'm not better for those things then I won't be able to attend and I'm worried because I know the Work Programme has a habit of sanctioning people, I have only ever been sanctioned once (unfairly) and I won that appeal so technically never had a sanction. Need some advice on this, thank you.

. http://www.bbc.co.uk/programmes/b04gtzrj More here http://www.bbc.co.uk/programmes/b04gyrm4/broadcasts/2014/09

Hi all, my partner was on SSP as she's been off sick from work for over a year but it has recently stopped and she is now on ESA. She lives in a room and looking at the housing allowance rates she should get £350 a month, her rent is £350 a month, however they have only awarded her £250 a month and using the excuse that her postcode falls under a different county, how can this be? Sounds like she's big fobbed off, can anyone help? Thank you.

Have you just received your A-level results and are planning to start university this autumn? If so, you're likely to be one of the many students who will soon be moving into halls of residence or private rented accommodation for the first time. Moving away from home can be quite daunting, so it's useful to know what to expect before you move. Our student housing information can help you along the way: if you're thinking of moving into halls of residence if you're thinking of moving into private rented accommodation.

Hi there, My husband and I have been left in a bit of a pickle with debts and low wages. After doing much research we have decided the best option for us is to go bankrupt. Also we are going to need to claim housing benefit as his wages have just been cut. We rent our house, and I've looked through the tenancy agreement for any clauses about bankruptcy or housing benefit, but neither are mentioned anywhere. Can I therefore assume that we can go ahead on both counts and legally nothing can be done to evict us on these grounds? We're good quiet tenants and apart from 6 months of late rent payments, we've never been any trouble. The rent has been paid on time for the last 5 months and there were zero issues on our most recent house inspection. I'd appreciate any advice anyone can offer. It's a scary time for us. Thanks in advance.

Good afternoon, We are hoping someone may be able to give us some advice on an extremely stressful situation. Up to the end of January 2014 my partner and I have been receiving assistance from housing benefit as our employment/business situation has been far from standard over the past few years. We have endeavoured to notify the council of anything which would affect our claim and have been working extremely hard to get ourselves out of the position where we need this assistance. We were invited to an interview under caution in February 2014 as there had been a discrepancy in our capital. This came as a surprise initially but after attending the interview it was clear why it had occurred. In January 2013 we lost a close relative and I was executor to the Will. This meant that over the following few months, some large sums of money passed through my account as they were being dispersed from the banks to the beneficiaries as well as paying the estate expenses. In hindsight it would have made sense for us to have notified the council that the funds were passing through our accounts but because only a small amount would end up being legally ours, we knew it wouldn't take us over the threshold and therefore didn't want to complicate matters any further (there had already been several complications relating to my employment which led to suspension and re-instatement several times plus countless hours of letter writing to explain everything over and over again). Anyway, during the interview under caution I had prepared a full breakdown of the amounts passing through our accounts (down to the penny) and could show that after everything was paid and transferred to the beneficiaries, we were left with less than £16,000 and the amount which was left was used to pay off a debt relating to my employment. Following the interview, several more pieces of information were requested by the council and everything was provided in a timely manner. Last month we received a series of decision notices dated 4th April (standard computer generated notices) saying that we had been overpaid by just over £3,500 in housing benefit and £500 in council tax benefit. Their calculation made no sense as the figures didn't relate to any that had been provided throughout the investigation but they seemed to have taken the first lump sum paid in and then suspended our entitlement from that day forward. We spent a considerable amount of time looking over the overpayment periods and then wrote back to them (within the 1 month window on the 24th April) to say that we intended to appeal the decision as none of the information had been taken into account and their figures did not make sense. We also requested a breakdown of their calculations and a statement of reasons. We didn't receive a reply until 8th May which is just outside the 1 month appeal window stating that they would like us to attend an interview to agree to pay an administrative penalty of 50% of the overpayments which totals over £2000 on top of the overpayment. They appear to have ignored the letter requesting a breakdown of their calculations and our appeal intentions. I have written to them again requesting the breakdown and advising that if it isn't provided then we will have no choice but to make a formal complaint and involve the local government ombudsman. We are concerned that they have only given us around 2 weeks before we need to sign and agree to the administrative penalty or court proceedings will begin. Has anyone experienced a situation where the money in their account isn't legally theirs and therefore cannot be of benefit to them? The council had a copy of the Will during the interview and it was referred to several times so they were aware that the money wasn't ours. Any advice would be appreciated as the situation has caused us a huge amount of stress over the past few months. Kind regards R & G

Hi, really quick one. I having a dispute over housing and council tax benefit. basically I work 29.5 hours. I have 5.5 hors of unpaid breaks. surely this means My working hours are 24? no? thanks in advance for the advice...

Hi all, Just wondering if I could grab some advice. I am a student nurse on maternity leave and also a single Mum. I receive a maternity bursary, maternity allowance, child tax credits and child benefit. I was advised to apply for Housing Benefit, so I went to the housing office and made an appointment. I brought all my financial information with me, and made the housing advisor fully aware that I was a student. She made the decision to not take my student maternity bursary into account as she wasn't sure if she was supposed to. They made a calculation that I should receive some housing benefit (most of my rent). Two weeks down the line I get a letter telling me I owe them £143 overpayment. I have submitted a letter of appeal, but just wanted some advise if possible please. I mean, if I wasn't entitled, that's fine but how is it fair that they make the wrong decision and I must pay for it down the line? I was 100% honest and open with them about my status and income! Thanks in advance x

Hello, I have a joint AST (with my wife) with a large housing association paying Market Rent - ie we pay a rent equivalent (indeed in excess of) what the private sector would charge. Our deposit was paid at the beginning of the AST, and protected in the mydeposits scheme. We received the prescribed deposit information at the beginning of the AST in May 2012. We have not received any further prescribed information since the beginning of the AST in May 2012. The initial fixed term was 6 months, and we've been on a statutory periodic since November 2012. In January this year I received notice from mydeposits that our deposit in no longer protected by their scheme. I chose to do nothing about this at the time, as I was aware that this made it impossible for the LL to serve a section 21 notice. I have no reason to believe that the LL has taken any action to re-protect the deposit in any scheme. Obviously the LL would have been notified by mydeposits that the deposit was about to be unprotected, but chose not to take the simple action of ticking the check box to ensure the deposit protection continued. I'm now considering bringing the AST to an end, and considering my legal options regarding the return of the deposit, and the 1-3 times penalty. Can anyone confirm that it is now possible to claim for the return of the deposit and compensation via the Small Claims track (my deposit is just under £3K - so a claim for £3K plus the 1-3 times penalty is between £6K and 12K?) post the Jackson reforms implemented last year? Does anyone have any experience of this - I don't want to go down the route of a no-win no fee solicitor (indeed if it is still Part 8 I will hire a decent solicitor).

Lived in Private Rented Housing for 17 years,and recently was advised by the Land Agent that my £900 deposit was being transferred into renting housing deposit scheme as required by recent changes in the law,and the amount being transferred was the £900 deposit +£427 interest,which is very nice however,it is unclear as to whether I can ask for the interest element to be paid to me now as a one off payment Any idea's Thanks FS

Hi there, I received a letter yesterday to go for an interview because they have reason to believe I live with my partner. I have a complicated story and really need some advice as feeling so upset and low. When I found out I was pregnant with my daughter I also found out that my partner had over £24000 worth of debt that he has not disclosed to me. This broke our relationship apart and I decided that he was too much of a liability to live with as his debts were more than our income. He moved in with his parents and at that time we were not longer together which was a hard position to be in as a single parent and being pregnant. When our daughter was born she was premature therefor he stated in the house with my son while I was at hospital. We grew closer together and although he did not move in we started a relationship which has grown from strength to strength. He would come down every morning to help with the kids and also come over after work to see them both and help me with the house etc. this went on from march 2012 - start of May this year when he finally moved back in after I began full time work as a child minder and he had payed a lot of debt due to a second weekend job. My partners car was always at my home as I used it for my work and for the kids and he did not use it for work as always got the train. I received the letter yesterday and thought it was because I hadn't got round to phoning up the various benefits to inform the That my partner had Moved in just shy of 2 weeks ago. After phoning to ask about the letter they then said they have evidence to believe he has always stayed here. What kind of evidence is this? It was genuine but I have a horrible horrible feeling I'm in huge trouble? Thanks very much any advice would be much appreciated

HI, Sorry But i thought I'd better keep this one separate to the last post as it is a different and slightly more complex problem. Currently My partner, I and our 4 children reside in a 2 bedroom housing association house. We are classed as severely overcrowded and have been on the council list 2 1/2 years waiting for a larger property. The children are Girl 12, Boy 10, Girl 7 and Girl 5. The children share the largest bedroom and we have the smaller bedroom. I met with our local housing officer a couple of weeks ago to address this and our repairs situation. At this meeting I was told that the housing association would not move us into a bigger property as we require a 4 bedroom property and they do not own any of that size. When asked if they could at least move us into a 3 bedroom property I was told that because of the allocations system they would never offer us a larger property! The only way we could move into a 3 bedroom would be if we did a mutual exchange. The problem with this is despite opinion, there is not anyone who wishes to move into a 2 bedroom from a 3 bedroom or 4 bedroom property. Plus with all the repairs required the only person that did show an interest suddenly decided against it and exchanged with someone else! The council have told us we are in the top 5 in the areas we are down for (which with the new system in place at our council covers a quite large area) but we have been in this position for over a year! Is there any way I can legally force the housing association into moving us? Maybe under the housing act? Any help would be gratefully received. Thanks.

HI, I don't very often find myself needing to post on here, but at the moment I'm a bit stuck as to how to proceed with my problems. A quick summary is : I live in a housing association house with my partner and 4 children, pay my rent as I am supposed to but I have a number of rolling repairs that have continued for sometimes years and they have not been fixed/resolved. I will list them : 1. The hot water has not worked since November 2013. We had a new boiler fitted in Feb 13. The heating works as it should but absolutely no hot water. I have asked at least 5 times for them to come and repair it, after each visit I get told that as it is under warranty they will have to contact the manufacturer. Then nothing ever happens about it ! They also say because we have an electric shower it is not a priority as we can still bathe ! 2. The living room window (which is the only window in that room other than the patio doors) has siezed shut. We have asked them to repair or replace this at least 3 times in 2 years, and every time the engineer comes out they say 'oh yes it's siezed shut we shall put in for a new one' and then again nothing happens. 3. The cold water tap in the kitchen, the handle on the tap broke off. Again reported the fault and nothing been done about it. This could be due to me borrowing the hot water tap handle and putting it on the cold to ensure we had running water in the kitchen. 4. The kitchen floor has lino tiles which a few are broken. Have been told that they are not due to replace the kitchen so they will not replace the broken tiles! I know I can report number 4 to environmental health as it is a health and safety issue, but as to the other repairs they wouldn't take any action for as they are out of their remit. Please help as this is driving us crazy !

I am 40 this month and am currently on £220 Housing Benefit per month and £202.70 Income Support (Incapacity Benefit) per fortnight, and I have been concerned about the "horror stories" concerning the ATOS reassessments based on their medical examinations. I personally take medication, like Sulpiride for anxiety and paranoia, and Omeprazole for a hiatal hernia caused by my abdominal obesity, ie. I look like a pregnant man, my belly is so big. My knees are also quite stiff, and I don't like resting on them to look in cupboards and so forth. So when I get a letter from ATOS/DWP saying I have to come in for a medical, I just go ahead and answer truthfully, right? If I'm deemed fit for work, I will have to attend interviews and so on, but for a while will only end up with something like £71 per week during the "assessment phase", but eventually end up on the "work-related activity group" at £99.15, right? That sounds not much less at all than the benefit I'm on now, which is a good thing. And I've been thinking about reentering employment for a long time now, as voluntary work just isn't cutting it and I want more money, frankly. The job market is dismal, but I'm strangely confident, for some reason. I would class myself as only slightly disabled, but is it the fear of reduced benefits or having to travel to interviews that are petrifying the genuinely needy disabled people out there, leading to the poverty and suicides we've heard about when they're deemed fit for work? Or am I missing something? Also, does the Universal Credit mean that Housing Benefit and ESA will be all combined into one lump sum per month?

Hi I need some advice... I am on ESA (Support Group) and get Housing and council tax benefit. My good friend has come from South Africa and is staying at mine until he finds somewhere. He is sleeping on my sofa as I have a one bedroom flat. I am not charging him rent and he buys his own food. He is also doing temporary agency work part time to earn some money. I have informed the council that he is staying here and now they want to reduce my housing benefit/council tax benefit because they believe he should contribute towards the rent! So would he be able to claim Housing Benefit if he only works part time and is on a low wage? The council have asked to see evidence of his incoming wages and I have to now supply his wage slips. Any help/advice please? Thanks Phil

My brother was originally on Incap for years, then they transferred him to JSA in March 2013. He started work last monday & is loving it. He is 31 yrs old. Single. No dependants. He has cancelled his JSA & housing benefit & isn't entitled to any housing benefit, but seems he will get about £50 a week working tax credits. I understood him to be able to get a 4 week run on with housing benefit though. But the council have told him he won't. He did get sanctioned with JSA for getting the day wrong with an appointment a couple of months ago. Although the council said it wasn't to do with that. It was because he hadn't been on JSA long enough. Even though he was on it just over a year. He didn't realise the time to be on JSA is 26 weeks for the 4 week run on. Could it be because of the sanction do you think? I think he is going to try ringing them tomorrow, but it's difficult for him because he is now working full time in a different town.

Hi I have today received a letter from the council advising I am under investigation for Benefit Fraud and I need to call to arrange an interview....I wasnt even aware i was on benefits? After 20 years working, this Jan I found myself out of work for the first time and despite my pride I signed on and received Contribution based Job Seekers. On the form it mentioned that I would be entitled to Housing Benefit, I held out on this for a further 3 weeks but had no choice but to apply for Housing Benefit and was awarded 380 every 4 weeks. I thankfully found a job after recieving my first payment and signed off JSA accordingly...heres where my problem seems to have started.....On the form for JSA it stated that the Job Centre would inform the benefits agency that my circumstances had changed ... my inexperience in this area meant I have incorrectly assumed that this meant Housing benefit too and as such not informed them directly.......it seems that this was a major error in judgement!! Upon investigation I have in fact had 2 further payments paid into my account for 380 which I honestly had not seen (partly due to having to wait for 6 weeks for my first paycheck from work and partly due to being an idiot).......I know ignorance is no excuse but I'm at a loss as to how to explain this without being bluntly honest? Can anybody advise on what happens next and what are the likely outcomes?

Hi, Advice would be much appreciated. In January we received notice to quit from our private landlord, as the 4 flats in our block were going to be demolished and new apartments built. Our landlord had put a second planning application in and had been accepted by our council. I didn't want to wait to go on the council list, so we looked privately, asap. anyway we found a lovely house that would also accept our dog, and moved in on the 15th March this year. My question is can we get help with housing benefit, i've done the online calculator on the council website and can get possibly £50 per week to help, the rent is £75 per month more. The only reason to claim is that we have had to move not on our own doing and need some help, would we be able to backdate the claim to the date we moved in? Thanks to all in advance

Hi, If I have a repayment mortgage will the full monthly mortgage repayments be allowed under the old rules or is it only the interest payments that are allowed? Thanks for your help. Regards, John

I am looking for advice for my daughter, I will try to keep it brief. She is a single parent and works, she was self employed but has back problems and thought her job was making it worse, also not making enough money so she gave that up and started a paye job. She informed the council as she thought she would be entitled to some help with the rent/council tax.she got a refusal, they said she had 2 jobs and din't qualify, also apparently she should have made a separate application for housing/ council tax benefit , she wrote back to inform them that she only had 1 job and I wote her a letter and asked the council to backdate her HB?CTB giving the following circumstances: She had been a victim of domestic violence, her ex is on remand for this and she has with encouragement agreed to give evidence in crown court, she has had many trips to the police to sign statements, verify evidence etc, she has had threats from his family, had her tyres slashed and not surprisingly has depression. The council knocked back the claim saying they had written to her asking for information, however I did explain in the letter that she has difficulties dealing with every day matters due to the pressure that she is under and she is being treated for depression . To make matters worse she she was at the council today the lady told her that they had mistakenly scanned someone else's wage details onto her claim! so the council can make mistakes but not my daughter despite her circumstances ! They told her that as a result of the refusal to backdate her claim she now owes over £1000 rent and faces eviction, the only advise she got when she burst into tears was to try to borrow it from a relative. She intends to appeal, can anyone give any advice re the appeal? Thanks

Hi I have been on JSA for about two months and have claimed for housing benefit for this same time. I have been offered some work for a few days next week. If I do everything properly I understand that I have to sign off JSA and then re-apply afterwards because it is for more than 16 hours. Does this mean that I have to tell the council about my change in circumstances and then reapply? The whole process is slow and painful! Also when I reapply they will ask me for details of the work and a payslip but I won't have one as it will be paid after I invoice the people giving me the work some time over the next couple of months. Thanks!

Hi. Me and my husband have been caring for my nephew for over 5 years. We claim housing benefit & when my nephew first came to live with us we obviously declared the family & friends allowance we were recieving to the housing benefit department which has always shown as 'charitable payments' on our decision notices. In oct 2011 we were granted a special guardianship order for him & the allowance changed from family & friends to sgo allowance. Information I came across last week has led me to believe that the council shouldn't be using the sgo allowance as income when working out our benefit, yet they are & always have. I called the department & I was told that that wasn't right & if it is on our benefit decision notice then I'm wrong as they have departments that check for these things. I asked if they had the allowance down as family & friends or sgo & the woman said that she couldn't tell & that it didn't matter either way. I told her that the government webite says otherwise (from 2011 onwards) & so does the fostering & adoption team website for our area. She said that the government are always changing it & it must have changed again recently. I've had to give up work to meet my nephews needs (& we also have two other children). My husband works full time but every month is a struggle. I don't know where we stand now. Who's right? Does it differ from council to council? Can anyone here offer any advice? Thanks

Hi, i'm an EEA national who has been living in the UK for 4 years. After being unemployed for almost two years I finally got a job, a part time one but with good perspectives of going on full time soon. Unfortunstely after the first week I was basically left with no choice other than to quit, I will not go into details now but I felt threatened and afraid for my personal security after that one week on the job and didn't feel I could do it. After speaking about this with my manager he did not leave me any options so I was forced to quit. This was almost two weeks ago, I have been frantically interviewing for other jobs and I think I may get another job next week, although it may be another part time job again, but I am looking for either one full time job or two part time jobs, so if I got this one part time job next week I would still be looking for more work. Recently because of me starting work I had to report a change of circumstances to my local council and had my housing benefit suspended for almost four weeks, until they reassessed my claim based on all the new information I gave them about my new job and pay. They gave me housing benefit again, at a lower rate of course, and are asking me for my upcoming payslip from the new job. I have to send them this info within a month or my benefit will be stopped. I still haven't told them I have quit my job, as I'm quite afraid they will stop my benefit if I do, and also because I would have to do all the paperwork again and have my benefit stopped and then once again when I find my new job, and I'm trying to just do it all at once when I find the new job. I'm hoping to find a job, any job, any hours, asap so I can tell them about a new change of circumstances and at the same time tell them about having quit the other job and give them the payslip they wanted, although it will be for one week of work only. I don't know if I may be doing things wrong though. Should I tell them anyway about me having quit the job even before I get the new one? And sill they suspend my housing benefit if I do so? Will I continue to receive housing benefit? Thank you all in advance for any help.

Hello, I'm new to the site, so please be gentle . I've recently received a Parking Charge Notice from ANPR-LTD for parking on a housing estate without a valid parking permit. I was parked there for the best part of 5 mins and now they're asking for £50 if paid within 14 days or £100 thereafter. My question is, do I wait for a letter to come through the post or should I write to them now.? I was going to send the letter below to them and was wondering how this sounds: Dear Sir/Madam Re Parking Charge Noticenumber: ****** I am challengingyour parking charge notice dated XX/XX/XXXX on thefollowing grounds. Please respond to each individual point that Istate. 1. The large sum demandedamounts to a penalty and/or is not an accurate reflection of any losssuffered so it is not a reasonable charge. Your monetaryclaim is disproportionate, punitive and unjustifiable in total. Itmay also be an unfair term and therefore in breach of Schedule 2 of theConsumer Contracts Regulations 1999. Please provide a breakdownof how your demanded charge is calculated so that I can considerfurther whether it amounts to a penalty. 2. The contractual breach can havecaused no financial loss whatsoever to you or to the landowner but if you believe it has please set out the detailsclearly in your response. If you believe I have committed a trespassplease substantiate your consequential actual loss. There were, forexample, unoccupied places available for others to parkso my presence did not prevent the parking of other cars. 3. I saw no signage in the placewhere I parked or at the entrance to the area where Iparked. The requirements are that clear signage must be erected at each. Therefore I have not entered into a contract with you. 4. Having since re-visited thesite and researched the rules I now understand why the signagewas not clear to me at the time of my visit. There is not clear signage atentrance to the car park/ land stating the restrictions in force. The BPA and APS logos are notclearly displayed on the signage despite it being a specificrequirement for compliant signage. 5. I understand thata Parking Charge Notice must also include the following which isabsent from the notice you have provided and therefore itmay be invalid. An identifier number of the wardenwho issued the ticket Details of where and howchallenges can be sent A statementthat you will enquire from the DVLA details of theregistered keeper The B.P.A and A.O.S. logos 6. The rules of theBPA require you to allow a grace period either to allow a motorist toread the signs and make payment or decide whether parking ispermitted, and at the end of a period of paid for time or maximum stay toallow for discrepancies in the time shown on differentdevices. A reasonable grace period would be 5 minutes but it may be that theowners of this site have instructed you to offer a different grace period.Please advise the actual grace period in operation so that Ican assess whether you have acted reasonably. 7. Ifthis challenge / appeal is rejected, to enable me toprepare a formal appeal to P.O.P.L.A please provide the following documentation: A copy of your contract withthe land owner which authorises you to act on their behalf inthe management of this car parking area. A copy of the contract which youallege I entered into when I parked. Photographic evidence of theactual signs in situ,together with identification of the locations aroundthe site where these signs are currently placed. Please also confirmthe date when the photographs were taken (if not evident from thephotographs themselves) and whether you have made any alterations to thesignage since the photograph was taken. A copy of the full terms andconditions for use of the land where I was allegedly parked wrongly. A copy of your certificate ofmembership of the BPA A copy of your protocol whichyour enforcement and CCTV operators are requiredto follow. A copy of your standardappeal procedure and confirm whether or not it complies withthe Arbitration Act 1996. Full details of the owner ofthe parking area (if it is not already stated in thecopy contract above) as I wish to send them a copy of my letter to you. A copy of all of the imagesthat you have of my vehicle. I understand that the Data Protection Actentitles me to all of this information. A copy of your protocol forhandling personal data such as images of my vehicle. I assumethat such data is not disclosed to any third party (otherthan POPLA in the event of an appeal) but please confirm this. Please provide this informationwithin 35 days of receipt via email to XXXXXX. If youare unable to provide any of the requested documentsplease provide a reason for each omission. If you choose to pursue me please be aware that I will notenter into any correspondence and this will be the only letter you will receivefrom me until you answer the specific points raised in my letter. I look forward to hearing from you. Yours faithfully,