LETTERS PRESSING FOR PAYMENT AND ASKING FOR EXTENDED CREDIT

A confidential credit rating report

Credit Rating

A method of measuring the creditworthiness of a debt issuer. The ratings provided by the main credit rating agencies, Moody's Investors Service, Standard Poor's and Fitch, evaluate issuers worldwide and are very closely followed. A top rating means there is almost no likelihood of the borrower failing to meet interest payments or full redemption of the issue. Also called debt rating.

Sample Credit Report Dispute Letter

Date
Your Name
Your Address, City, State, Zip Code
Complaint Department
Name of Company

Address
City, State, Zip Code
Dear Sir or Madam:

I recently obtained a copy of my credit report from your agency and found the following item to be in error:

Item 1: I dispute [ABC credit card] account number [555111]. This account has been paid in full.

I am requesting that the item be [removed, updated, or other suggested change] to correct the information.

Enclosed are copies of [use this statement if you have bank statements, cancelled checks, or other documentation] supporting my position. Please reinvestigate this (these) matter(s) and (delete or correct) the disputed item(s) as soon as possible.

Sincerely,
Your name

SINGULAR AND PLURAL NOUN

Definition

Singular Noun

A singular noun means one item only.

Example of singular nouns are bed, boy, girl, book, house, and cat.

Plural Noun

A plural noun means more than one item.

Example of plural nouns are beds, boys, girls, books, cats, etc. they are create by adding a letter ’s’ to the end of a word or by adding ‘es’ such as in churches, boxes or witches.

Example help-some helpful ruler

There are some rules when working with English plurals:

Just add an ‘s’ to make most words plural.

If the noun ends with a ch, s, sh, x, or z add an ‘es’ to make it plural.

If the noun end with a letter y and the letter before the y is a consonant

· change the letter y to a letter I then add es to make it a plural

Rule #1
The plural of nouns is usually formed by adding - s to a singular noun.

lamp	lamps
cat	cats
fork	forks
flower	flowers
pen	pens

Rule #2
Nouns ending in s, z, x, sh, and ch form the plural by adding - es.

moss	mosses
buzz	buzzes
box	boxes
dish	dishes
church	churches

Special Note:
If you add - s to such nouns as fox, bush, and bench, you will find that you cannot pronounce them without making an additional syllable. This is why such nouns form the plural by adding - es.

Rule #3
Nouns ending in - y preceded by a consonant is formed into a plural by changing - y to - ies.
Examples: lady = ladies;

City = cities;

Army = armies

Rule #4
Nouns ending in y preceded by a vowel form their plurals by adding - s.
Example: boy = boys;

Day = days

Rule #5
Most nouns ending in o preceded by a consonant is formed into a plural by adding es. Example: hero = heroes;

Grotto = grottoes

Special Note:
Most nouns ending in o preceded by a vowel is formed into a plural by adding - s.
Example: folio = folios;

Cameo = cameos;

Studio = studios;

Portfolio = portfolios

Rule #6
Some nouns ending in f or fe are made plural by changing f or fe to - ves.
Example: beef = beeves;

Wife = wives

The following form their plurals by adding - s.

Chief = chiefs

Fife = fifes

Mischief = mischiefs

Hoof = hoofs

Roof = roofs

Grief = griefs

Kerchief = kerchiefs

Safe = safes

LETTERS OFFERING CONGRATULATIONS

Definition Letter of Congratulations

A letter of congratulations, or congratulations letter, is used in both personal and business situations. Their primary purpose is to formally congratulate a person or an organization for an outstanding achievement.

How to write an effective congratulation letter that people will remember

Write the congratulation letter as soon as possible

This is your chance to notice their special occasion. People love to receive a letter after a fortunate event takes place.

State the specific occasion

At the beginning, express what motivated you to write your letter.

Express praise and approval

Outline the reader's accomplishments and the good it has or will do.

Keep your congratulation letter simple and concise

Usually under one page in length is enough—You want them to read it!

Be positive

Don't include any negative comments or unhappy news.

Don't suggest that the fortunate event should benefit the letter-writer

Even if your motive is to win a customer, don't let them know.

Don't exaggerate your congratulatory words

Your letter may seem sarcastic or mocking.

Edit your letter

Check for correct spelling, structure, grammar, and punctuation.

Wait some time and proof-read your letter again before sending it

Most writers find errors or better way to express their thoughts.

Letters of Congratulation

Offering congratulations

1. Your appointment gave me great pleasure.

- I was very glad to hear about ……

2. I offer you my sincere congratulations.

- Congratulations

3. I am delighted that your talent and hard work have been rewarded.

- I know now hard you have worked and you certainly deserve it

4. I had hoped that I might be able to congratulate you in person.

- It is a great pity that we can’t get together soon.

5. When I return in September will contact you.

- I’ll give you a ring when I get back

6. In the meantime, I wish you every success.

- Meanwhile, all the very best for the future

Sample Congratulations Letters
The following letter of congratulations templates are real-life examples of the types of congratulations letters typically written in personal and business situations.

Letter of Congratulations - to a friend or colleague (personal).

Letter of Congratulations

495 West Village Way Suite 975 New York, New York 10023-6825 January 15, 2007 Mavis Jamieson 880 West 60th Street Suite 1850 New York, New York 10025-5745 Dear Mavis: Please accept my heartiest congratulations on your recent selection for inclusion on the short-list for the NY City Writers Prize. I just heard the news today from Francis Goodspeed when she dropped into my office with the marked up proofs for her latest collection of stories. As you can imagine, Fran was very excited too! I am so proud of you. As you know, I have been a longtime promoter of your work, and in my mind it's about time they finally recognized your talent. In fact, I believe that your selection for the NYCWP short-list is long overdue. I have already read two of the other books that are short-listed and in my opinion they don't hold a candle to your "No Turning Back". I will read the other three books nominated and let you know what I think. Although, I could hardly be considered an objective reviewer on this one. Once again Mavis, my sincere congratulations on your nomination. Just being nominated for the NYCWP is an honor in itself. I will be keeping my fingers crossed for you until they announce the winner on March 1st. Sincere best wishes, Brad Merchant

Congratulations Letter - to a former employee (business).

Congratulations Letter

(print Congratulations Letter on business or personal stationery, as appropriate) June 25, 2006 Belinda Asher 620 Mayview Ave. Pineville, WV 24874 Dear Belinda: On behalf of everyone here at Deerwood Resorts Ltd., I would like to sincerely congratulate you on your recent graduation from Mountain State University with your M.B.A. (Marketing). I must say that I was not surprised to read of your success in the newspaper. During your first of four summers as an employee at our Lakeland Family Resort I noted how bright you are and how you have a very quick mind for business. Combine those attributes with your relentless work ethic and commitment to quality customer service, and it is obvious that you have a wide-open future ahead of you. I can only hope that your experience working with us contributed in some small way to your success. On behalf of the management and staff at Deerwood Resorts I wish you all the best in your future career and life endeavors, whatever they may be. Yours sincerely, Bruce Atkinson President and CEO

With these guidelines, you may find it easy to write a letter of congratulations. However, if you are still confused, here is a sample congratulatory letter for you where the person sends the letter to congratulate her friends on the arrival of their newly born baby.

Real-Life Congratulations Letter Templates
The thing that makes the above two congratulations letter examples different from what you will typically find online is that they are "real-life templates". In other words, they are complete, fully-formatted letters, written by professionals for actual real-life personal situations.

These are NOT your typical fill-in-the-blanks templates. They are complete letters that one can quickly learn from and adapt to fit one's own situation.

When you need to write a letter of congratulations, or congratulations letter, it is always helpful to have some real-life samples that show you exactly how a professional writes a letter for a similar real-world situation.

LETTERS OF COMPLAINT

LETTERS OF COMPLAINT

DEFINITION

A letter of complaint, or complaint letter, is normally written to deal with a problem situation when the product damaged and wrong. Even though you may feel angry because of several problems mentioned above, but in business correspondence you should not show by writing bad words in your complaint letter. Your letter should be polite, explain the problem clearly for example by mentioning why you are dissatisfied and hope your supplier will give you a replacement.

The content of complaint letter :

The following are some rules for making complaint letter :

a. Begin your letter by regretting why you complain.

b. Write the date of order, or the date of payment and delivery, etc.

c. State your reasons for being dissatisfied.

d. Ask for explanation from the representative from that company.

e. Suggest the solution.

f. Avoid reideness as if will create ill feeling and cause the supplier unwilling to help.

Useful expression of complaint letter :

Opening phrases :

• We would like to complaint about the goods we received two days ago our order no…….invoice no……some of the goods have been damaged in transport.
• We are sorry to report that the goods arrived in a bad condition.
• We are sorry to have to tell you that one of the cases of your consignment was badly damaged when delivered on…….
• We are writing to inform you that several boxes dispatched under your advice or………..was badly damaged when delivered.
• We would like to let you know that the goods were broken/so that a large part of the contents has been unfit for sale/ many sacks were torn and part of the contents was missing.

Main section :

• Would you please look into this as soon as possible.
• It is very important that this fault (mistake, error) is corrected immediately.
• We must ask you to replace the damage goods/ the wrong goods / the wrong deliveries.
• We must insist you on an immediate replacement for the wrong goods, and we must ask you to follow our instruction more carefully in the future.
• Please let us know when the replacement can be delivered.
• Please dispatch the correct deliveries immediately and make sure that they will reach us within the next few days.

Closing phrases :

• We look forward to receiving your answer.
• We look forward to hearing that the replacement for the wrong/damage goods will be sent straight away.
• We look forward to your confirmation of our complaint.
• We are looking forward to receiving the replacement in good condition

The example of complaint letter (Concerning Damaged goods):

Rill & le Co. Ltd.

Jln. Penvil No. 23

Jakarta Pusat

CH/SM

15^th July 2010

Kutsu Shoes

Jln. Sukaraja Kaum No. 110

Bogor

Dear Sirs,

Complain Order No. 345

We ordered 150 hard drives on 01 June and they were delivered yesterday. I regret that 17 of them were badly scratched.

The package containing these goods appeared to be in perfect condition and I accepted and signed for it without question. It was on unpacking the hard drives when the damage was discovered; I can only assume that this was due to careless handling at some stage prior to packing. I am enclosing a list of the damaged goods and shall be glad if you will replace them. They have been kept aside in case you need them to support a claim on your suppliers for compensation.

We are looking forward to receiving the replacement in good condition.

Yours faithfully

Chairil

Purchase Manager