Brian Ristuccia
   45 Harjean Rd.
   Billerica, MA 01821-2242






						F&A or Legal Department
						Teleservices Direct
						225 North High St.
						Munsie, Indiana 47303







December 9, 1999

Sirs:

I am contacting you because of repeated telemarketing calls in violation of
the Federal Telephone Consumer Protection Act, Public Law 102-243. Your firm
has telephoned me multiple times to solicit a credit card for "First
Financial Bank". Even after I requested that no further calls be made, the
calls continued.

I recieved calls on November 30, 1999 at 6:46pm, on the evenings of Tuesday,
December 7, Wednesday, December 8, and Thursday, December 9 at 6:15pm. On
November 30, and December 8, I informed the caller that their calls were
undesired and that they should not call again. On December 8, I requested
contact information and drafted this letter. One of the calls was answered
by another person, and two of the calls were taken in the presence of
another person. They are willing to produce an affidavit to this effect.

Please send payment in the amount of $500 to the address on the top of this
letter. If you do not comply before December 23, 1999, I will file a claim
with the Massachusetts small claims court for that amount.


Thank You. 


Brian Ristuccia