28 August 2001
Dear Dr Snyders

Thank you for your recent e-mail.

I was sorry that you feel that we have not dealt with your complaint
efficiently, having checked all of our records I feel that all of your
correspondence has been fully responded to.

However, in reply to the questions raised in your e-mail I can only reply as
follows:

1. In relation to your loan refusal, I must refer you to your reply from
Mr Cissell, as explained the terms and conditions of the credit agreement
are set out by Time Retail Finance and not by ourselves. Therefore, if for
some reason a customer does not meet their requirements then credit will be
declined.

2. I have noted your comments regarding the service that you have
received from our customer service department and of course regret your
dissatisfaction in this matter. In any instance where our staff are unable
to agree to a particular customer's request, as a company we would of course
expect that the matter is handled in a courteous and appropriate manner.
Therefore, on behalf of Comet I apologise for any inconvenience that you may
have been caused.

3. Unfortunately, I am unable to agree to compensation as I feel that as
a company we have not failed to meet a commitment.

4. All complaints made by customers are taken very seriously and internal
investigations are always carried out, however these investigations and
findings would remain internal.

Again, I apologise and I sincerely hope that we may be of service to you in
the future. Yours sincerely

On Behalf of Comet Group Plc