hi lullaby i have a samsung fridge freezer. they are a nightmare. the backpanel of the freeezer keeps freezing solid on mine. if you defrost it everything works fine for a while!!. go back to where you bought it. do not even try to contact samsung.

hi & good luck i sell jams, marmalades & cakes at local food fares and markets. i phones up my local council and became a registed seller of food. they did say they may have to come and check my kitchen but two years on they have yet to do so. i think this depends on the type of food you cook but as its cakes i don't think you will have a problem.

have you tried searching for the cottage on other letting sight as some owners are not tied to one agency. you may be able to go direct to the owner this way

most agent although they won't give out the owners details should forward a letter to the owner if asked. my owners have been more than happy to offer another week i would have thought this one will as well. everyone knows the weather has been bad. who did you book through?

hi i am the caretaker of several holiday cottages all booked through different holiday companies. i had two cancelations due to the weather both people changed ther booking, provided the properties is not fully booked is it not possible for the owner to give you a week later in the year, most are quite accomodating

thanks acegordie i will read through your thread later housework first do you think this is an unenforcable cca?

thanks vint this is what came back http://i1017.photobucket.com/albums/...xagreement.jpg i will print of a copy of your letter for my friend and she can post it recorded on monday thanks again

hi vint thanks for the reply what they sent is a copy of the applications form even dorn to the moisten here i am having trouble reading it, very bad photocopy. i have no need of glasses but for this i could do with a magnifying glass!!! under the terms of the agreement as set overleaf the leeds will determine and notify you of the credit limit from time to time interest will be charged on a daily basis at the rate of 1.49% ( can't find an apr finger) within 25 days of the date of your monthly statement you must repay at least 5% of the amount shown as outstanding or £5 it mentions terms and conditions overleaf but obviously these are not there. there are about 8 pages of current terms and conditions though thanks again for the reply

hi jana yes my dog does but not sure what to. if she comes up red and itchy i just whipe a bit of this on her the redness goes away and she stops scratching. this is not neat tea tree just a diluted solution. smells quite strong but doesn't hurt the dog or me when i am applying it. if youwant the phone number of the company just let me know.

hi i use oz oil tea tree lotion on my dog. comes from a company in essex and cost about £15 for a litre. a little goes a long way. good luck and hope the dog feels better

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can anyone have a look at this and tell me if it is enforceable or not thanks

thanks silver fox i am having trouble reading it, very bad photocopy. under the terms of the agreement as set overleaf the leeds will determine and notify you of the credit limit from time to time interest will be charged on a daily basis at the rate of 1.49% ( can't find an apr finger) within 25 days of the date of your monthly statement you must repay at least 5% of the amount shown as outstanding or £5 hope this helps

posting this on behalf of a friend with no internet access. have also posted in the halifax section. posted letter below to halifax on the 19th october Halifax P.O.Box 607 Trinity road Halifax HX1 2RG Dear Sir/Madam Re: − Account Number XXXXX this letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. I look forward to hearing from you. Yours faithfully this came back http://i1017.photobucket.com/albums/af291/beetlebug1/halifaxagreement.jpg is this agreement enforcable and if not what does she do next. thanks in advance

not sure if this is in the right place. posted of this letter for friend with no internet access on the 19th october. 19th O cobber 2009 Halifax P.O.Box 607 Trinity road Halifax HX1 2RG Dear Sir/Madam Re: − Account Number xxxx this letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide. I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request; the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties. Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose. If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. I look forward to hearing from you. Yours faithfully this was recieved back. can someone check it please http://i1017.photobucket.com/albums/af291/beetlebug1/halifaxagreement.jpg thanks in advance

thanks helps a little he has no contract, so no contracted hours. when he goes away he will have worked 6 weeks on about £70 a week and 6 weeks on about £200 should his pay be an average of this?

thanks wobbly. he is not grumpling about the hours he is working, very happy earning the money for his first holiday abroad without the parents. he need to know how his holiday pay will be worked out thanks again

my son works part time in a pub. he has no contract, he is a student so in term time only works two or three shifts a week. since college broke up he has worked 50 hors a week. he has booked to go on holiday on 18th august. at that time he will have worked 6 weeks on full time hours. how will his holiday pay be worked out?

thanks for that will let her know

tried to take action but morgage company refused

on the last valuation which i had when he left there was £40,000 equity but there is an early redemtion fee on the morgage and a charge from my divorce solicitor.

posting for a friend. my ex husband has filed for bancruptcy. he left me 4 years ago and we were divorced in november 2006. the morgage on the house me and the children live in is still in joint names because the morgage company refuse to take him off. i have paid the morgage since he left. i was awarded the property in the divorce settlement. i have recieved a letter from the insolvency service asking about the morgage . why? what is going to happen now.

thanks for the reply the convictions were for D&D and criminal damage, they happened two years ago. things were not great fro her but she is in a better place now. she is currently working in a care home for the elderly. there were aware of her convictions when they took her on. she wants to change jobs possibly working with the mentally ill. does this make a differance thanks in advance

just like to say keep making a pest of yourself with the CSA friend of my got her first payment 2 months ago. she has made at least one phone call a week for the last 4 years. the CSA finally belived her about where he was woking and followed up on it. he has got to pay arrears. don't give up good luck