http://search.deviantart.com/?q=by:Caeca&section=today deviantART RSS for by:Caeca en-us Copyright 2009, deviantART.com Mon, 21 Dec 2009 12:57:20 PST deviantART.com http://blogs.law.harvard.edu/tech/rss http://s.deviantart.com/minish/widgets/apple-touch-icon-precomposed.png http://Caeca.deviantart.com/journal/17437694/ http://Caeca.deviantart.com/journal/17437694/ Fri, 21 Mar 2008 06:18:27 PDT
]]> ~Caeca http://Caeca.deviantart.com/journal/16989508/ http://Caeca.deviantart.com/journal/16989508/ Thu, 21 Feb 2008 07:59:48 PST Edinburgh
EH7 5SR

22.02.08


Lloyds TSB Bank Plc
28 Hanover Street
Edinburgh
EH2 2DS



Dear Sir/Madam

Regarding A/C No: 81010160, S/C: 87-70-02
Complaint Reference: 185676


I refer to default charges applied to my account amounting £230 which I have requested you pay back.

I wrote to you on 07.08.2007, making the original request for a repayment in settlement of my claim. Since this date I have looked into my account further and discovered a further £30 charge on 02.10.2006.

On 30.07.2007 you wrote to me promising to send me a full response within 8 weeks and update me with progress. I received a delayed response from you on 02.10.07, stating that you will inevitably keep me updated on the position, but since then you have failed to do so. I have attached a schedule of charges which I expect back. I will be progressing with a court claim unless this is fully resolved.




Yours sincerely



Marjana Sakhov

Schedule of charges:
01Aug07 O/D EXCESS FEE 60.00
02Jul07 UNPAID S/O 35.00
01Jun07 O/DRAFT EXCESS FEE 30.00
01Jun07 UNPAID D/D 70.00
01Jun07 UNPAID S/O 35.00
02Oct06 O/DRAFT EXCESS FEE 30.00

]]> ~Caeca http://Caeca.deviantart.com/journal/16979564/ http://Caeca.deviantart.com/journal/16979564/ Wed, 20 Feb 2008 15:19:19 PST
Regards



Marjana Sakhov

]]> ~Caeca http://Caeca.deviantart.com/journal/16958707/ http://Caeca.deviantart.com/journal/16958707/ Tue, 19 Feb 2008 08:52:44 PST
]]> ~Caeca http://Caeca.deviantart.com/journal/16958700/ http://Caeca.deviantart.com/journal/16958700/ Tue, 19 Feb 2008 08:52:06 PST UNPAID D/D
UNPAID S/O



Dear Sir/Madam



Due to recent media coverage on bank charges I now believe that you, Lloyds TSB Bank Plc, have been charging me charges that are contrary to the Unfair Terms in Consumer Contracts Regulations 1999. Schedule 2 (e) of the said regulations gives a non-compete list of terms, which may be regarded as unfair, such as a term that requires me as a consumer who fails in his obligation, to pay a disproportionately high sum in compensation.

I believe that your charges are disproportionately high and therefore they arte contrary to the Unfair Terms in Consumer Regulations 1999. In addition I believe that your charges are a Penalty, Penalty charges are irrecoverable at common law. The precedent for this was Dunlop Pneumatic Tyre Co Ltd v New Garage and Motor co Ltd [1915] AC 79 along with Murray v. Leisure play [2005] EWCA Civ 963. It was held that a contractual party can only recover damages for an actual loss or liquidated losses. It is clear that your charges do not reflect any actual and or real loss.

]]> ~Caeca http://Caeca.deviantart.com/journal/16842731/ http://Caeca.deviantart.com/journal/16842731/ Tue, 12 Feb 2008 03:36:23 PST "What kind of story, Child?"
"A story with a happy ending."
"There's no such thing in all the world."
"As a happy ending?"
"As an ending..."

]]> ~Caeca http://Caeca.deviantart.com/journal/16593574/ http://Caeca.deviantart.com/journal/16593574/ Sun, 27 Jan 2008 08:45:17 PST • Increases psychic ability
• Assists in astral travel
• Brings about stability
• Calming stone
• Stimulates trust in oneself
• Enhances memory
• Effective against laziness

Healing properties of Blue Calcite:
• stimulates metabolism
• strengthens the immune system
• stabilizes the rhythm of the heart
• lowers blood pressure
• dissolves pain


Turquoise is one of the oldest protection amulets, and was also known as a symbol of wealth in many ancient cultures.
Strength, protection from harm, psychic sensitivity and connection to the spirit world
If given a turquoise by a loving friend, that stone would protect the wearer from negative energy and bring good fortune. The turquoise is the symbol of friendship. It also brings peace to the home.
This stone is a very personal and meaningful stone to one who wears it. Turquoise takes on the characteristics of the owner.
Turquoise carries great wisdom of basic truth within it. It is one of the oldest stones known. This is a stone that a person must learn to attune to instead of the stone attuning to the person. It is important that the owner of a Turquoise give it the proper attention.

Birthstone: Turquoise along with zircon are birthstones of Sagittarius (Archer): Nov. 22-Dec. 21.
Healing properties of Turquoise
• Neutralizes overacidity
• Alleviates rheumatism, gout, stomach problems, viral infections
• Increases growth, muscular strength
• Alleviates pain, relaxes cramps
• Contains anti-inflammatory and detoxifying effects





Benefit from the power of Lapis Lazuli jewellery:
• Reveals Truth
• Increases your inner vision
• Opens Chakra Centers
• Helps you to control conflicts
• Friendship stone

Zodiac: Aquarius, Taurus (Ancient)
Planet: Saturn, Venus
Birthstone: Sep, Dec (Ancient)
Energies: Love, Protection, Power, Healing

Lapis lazuli is an ancient gem, and as such, has a storied history. Egyptian cultures made a practice of burying a lapis lazuli scarab with their dead, and believed it to offer protection. The very earliest cultures valued lapis lazuli more highly than gold. Greeks spoke of an ancient sapphire which was included with gold, and this was unmistakenly lapis. Some believed that dreaming of lapis would foretell love that would be forever faithful.

Healing properties of Lapis Lazuli:
Lapis Lazuli is used with other stones when parts of the body need to be purified and cleansed and should be only used by a healer. Lapis Lazuli has high intensity and can open many of the chakra centers. This must be done only with love in the heart and comprehension in the mind and wisdom in soul.
Benefit from the power of Amethyst gemstone jewellery:
• Spiritual insight
•Wisdom stone
• Promotes a sense of good judgment
• Provokes honesty
• Encourages a quiet and calm mind
• Aids in meditation to find deep inner peace
• Comfort at times of loss or grief
• Aids dreaming, inspiration and intuition

Birthstone: February, also November (ancient)
Zodiac: Pisces, Aquarius, Aries, Capricorn (ancient)
Planet: Saturn
Energies: Power, Protection, Healing

Amethyst Gemstone meaning:
It is used as a dream stone and to help insomnia. Put an amethyst under your pillow to bring about pleasant dreams, or rub it across your forehead to offer relief from a headache.
Protection Stone
Ancient Egyptians used the amethyst guard against guilty and fearful feelings. It has been worn as protection from self-deception, as well as a protection against witchcraft. The amethyst has long been used to open the spiritual and psychic centers, making it one of the power stones. It is also used as a meditation aid when worn as a necklace.

Healing properties of Amethyst:
Amethyst is a gemstone often worn by healers, as it has the power to focus energy. A healer will usually wear several pieces of jewelry with amethysts set in silver, especially an amethyst necklace. The person to be healed will have an Amethyst to hold while the healing is being done. The healer will place another piece of Amethyst on the area of the body in need of healing, the heart or lungs usually.
Amethyst is used for problems in the blood and in breathing problems. Amethyst crystal clusters are used to keep the air and life force in the home clean and positive.
Amethyst clusters, points or several tumbled Amethysts placed in a window that receives sun most of the day are very beneficial to use in healing and to heal negativity in the home. Place Amethyst clusters, points or several tumbled Amethysts in moonlight and eve... ]]> ~Caeca http://Caeca.deviantart.com/journal/16548370/ http://Caeca.deviantart.com/journal/16548370/ Thu, 24 Jan 2008 08:54:44 PST
]]> ~Caeca http://Caeca.deviantart.com/journal/16501596/ http://Caeca.deviantart.com/journal/16501596/ Mon, 21 Jan 2008 08:18:55 PST Blue Calcite:
• Increases psychic ability
• Assists in astral travel
• Brings about stability
• Calming stone
• Stimulates trust in oneself
• Enhances memory
• Effective against laziness
Healing properties of Blue Calcite
Blue calcite can be used as a healing stone when worn or placed between blue or purple candles. It is often used in purification rituals. Some of its healing uses are:
• stimulates metabolism
• strengthens the immune system
• stabilizes the rhythm of the heart
• lowers blood pressure
• dissolves pain
Turquoise Gemstone meaning
Turquoise is one of the oldest protection amulets, and was also known as a symbol of wealth in many ancient cultures.
Strength, protection from harm, psychic sensitivity and connection to the spirit world
If given a turquoise by a loving friend, that stone would protect the wearer from negative energy and bring good fortune. The turquoise is the symbol of friendship. It also brings peace to the home.
This stone is a very personal and meaningful stone to one who wears it. Turquoise takes on the characteristics of the owner.
Turquoise carries great wisdom of basic truth within it. It is one of the oldest stones known. This is a stone that a person must learn to attune to instead of the stone attuning to the person. It is important that the owner of a Turquoise give it the proper attention.
Healing properties of Turquoise
• Neutralizes overacidity
• Alleviates rheumatism, gout, stomach problems, viral infections
• Increases growth, muscular strength
• Alleviates pain, relaxes cramps
• Contains anti-inflammatory and detoxifying effects
• Application: should be worn on the solar plexus

Birthstone: Turquoise along with zircon are birthstones of Sagittarius (Archer): Nov. 22-Dec. 21.
Benefit from the power of Rose quartz gemstone
• Rose quartz is known as the love stone
• Strong healer of the heart
• Makes an excellent friendship gift
• Fertility crystal
• Encourages helpfulness, self-love, romance, ability to love
• Fulfillment of essential needs

Zodiac: Aries (Ancient)
Birthstone: January (Ancient)
Energies: Love

Rose Quartz Gemstone meaning
Your marriage can have more sparkle and fire when you keep a rose quartz under your pillow. You will look younger too.
Rose quartz is known as the love stone. It helps the user feel a strong sense of self-worth, therefore being worth love. Rose quartz is the stone of universal love. It is also the stone of love in marriage. When worn in jewelry the wearer feels a sense of self-worth.
Healing properties of Rose Quartz
Rose Quartz has a gentle vibration of love for the owner. It gives inner peace and helps in all matters pertaining to love in all its forms. Rose Quartz opens the heart to love. It also helps as a rejuvenator to the skin. It is a lovely stone for a young person.
It is said washing the face in water charged by rose quartz will help fade wrinkles and keep the skin young.
Benefit from the power of Lapis Lazuli jewelry
• Reveals Truth
• Increases your inner vision
• Opens Chakra Centers
• Helps you to control conflicts
• Friendship stone


Zodiac: Aquarius, Taurus (Ancient)
Planet: Saturn, Venus
Birthstone: Sep, Dec (Ancient)
Energies: Love, Protection, Power, Healing


Lapis Lazuli gemstone meaning
Lapis lazuli is an ancient gem, and as such, has a storied history. Egyptian cultures made a practice of burying a lapis lazuli scarab with their dead, and believed it to offer protection. The very earliest cultures valued lapis lazuli more highly than gold. Greeks spoke of an ancient sapphire which was included with gold, and this was unmistakenly lapis. Some believed that dreaming of lapis would foretell love that would be forever faithful.
When working or meditating with Lapis Lazuli, it can bring matters more clearly to the mind. It is one of the most powerful stones and should be used with care. Wearing a Lapis Lazuli ring can help you to become a channel. The ancient Egyptians used Lapis Lazuli as a symbol of Truth.
Healing properties of Lapis Lazuli
Lapis Lazuli is used with other stones when parts of the body need to be purified and cleansed and should be only used by a healer. Lapis Lazuli has high intensity and can open many of the chakra centers. This must be done only with love in the heart and comprehension in the mind and wisdom in soul.

Benefit from the power of Amethyst gemstone jewelry
• Spiritual insight
• Promotes a sense of good judgmen... ]]> ~Caeca http://Caeca.deviantart.com/journal/16290308/ http://Caeca.deviantart.com/journal/16290308/ Sun, 06 Jan 2008 17:14:53 PST
I initially became interested in the business world whilst helping my family run a large bakery business in Estonia. Throughout my youth, I realised that business was a fast paced and interesting world that would both excite and push me to achieve success. The opportunity I was given as a young person pushed me to work hard and taught me to take responsibility not only for myself but as part of a team.

My passion for business increased when as my first role in Edinburgh, I worked as an assistant manager in Threshers. I realised that business was not limited to one specific area, increasing my desire to learn and and experience in the field of business. My experience helped me to develop an understanding of the potential opportunities a business degree would offer. Whilst working in a variety of managerial roles I learned how to prioritise tasks, make decisions and meet targets.

I am currently employed as a Retention Consultant at Scottish Widows. The opportunity to work in one of the most recognized business and financial establishments, which deals with assurances, investments and pensions has given me yet another unique insight into the world of business. The knowledge of the products I deal with on a daily basis has provided me with in-depth business skills. I relish the opportunity that a degree would give me to further my knowledge in this area. I believe this course would provide me with the knowledge required to succeed at a higher level in my chosen field. If I was accepted at university, I plan to stay in part-time employment with Scottish Widows as it would undoubtedly be beneficial as preparation for a business career.

At present, I am also using my current knowledge within this field, to identify a profitable niche within the current on-line boom. I have used as a base to develop an on-line retail business on e-bay. I have been importing clothing and footwear from Asia in bulk for the last eight months and reselling the product with great success. I have used my current level of expertise to develop and expand this business and in the process have learnt a great deal about profit margins, the benefits of buying in bulk as well as the importance of customer satisfaction leading to the reputation as a 'ower seller' on the site.

I will always have a desire to travel and broaden my awareness of cultures; as I believe that understanding of your key demographic is an important aspect of successful business. A degree in business would give me an unlimited access to most parts of the world. I have a huge passion for languages, as demonstrated by my three existant languages. I feel that this degree would give me the opportunity to use my knowledge and enrich my social skills and competencies in terms of a business career. I believe that the combination of language skills and business knowledge is vital in order to be successful in this ever increasing global economy.. I currently speak Estonian, Russian, English and also understand Ukrainian. I aim to learn Spanish this year as I am planning to go traveling to South America from April 2008 till the end of July 2008.

In conclusion, I feel that my combination of solid business experience, my desire to acquire knowledge, evidenced by my linguistic ability and work background have given me a solid base upon which to develop my skills within this area. I have now finally realised what I truly want to do and achieve. I believe a business degree would be excellent preparation leading to a rewarding career.

]]> ~Caeca