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sharmal

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About sharmal

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  1. Hi I have worked for my employers for 7 and a half years. All of them in a RAF Mess of one discription or other. I started in the mess I work at now over two years ago after being moved accused of being racist by a Morrocan lady who I thought was my friend. About a year ago o9ne of the receptionists in our mess was moved for one reason or another and another wnet off sick 10 months ago. I had asked if I could go on and learn how to do the reception job and because I asked Iwas allowed to go on and do it. I did not have any one to train me and most of the time would be on shift on my own. The other two ladies work the opposite shift together. From the day I went on the reception the older of the two ladies has left me nasty notes, thrown her temper everythime she has took over shift from me and it has meant that I have stayed behind to try and finish my shift. My manager complained that I should do what I could do and that the other shift could pick up anything I did not have time to do. Yeah like that happened, She said she would back me 100% as she knew what the other girls were like and she was grateful I had asked to go on reception because it got her out of a sticky situation. I ended up putting a grievance in against the older of the receptionists because of the bullying tactics that she used. I made copies of all the notes I made, although I cannot make copies of the accusations made against me, which I do not feel were justified anyway and just her way of trying to undermine me. No action was taken about the grievence and i put in another one three months later, I would say that was four months ago. Still getting little notes in the diary. PLease remember still not had any proper training. Again this was not acted on. I have become quite unwell and depressed with the stress of it all and am now under the doctor for treatment. To add insult to injury it was decided that yes they did need three receptionist, well four if you count the one that has been off work for ten months, and I had to apply for the position. I was took into the office today and told that I had not got the position because I went into the interview in my uniform. The interview was at 2.15 and I started work at 3.00, so I had not made an effort. I was told that I got all the questions right that I was asked with good answers but had just not pushed myself enough to make them think I wanted the job. I was interviewed by the Deputy manager of the mess who is supposed to be in charge of reception. What did he think I was doiing there in the first place just going through the motions. The trouble is I did not think I would get the job anyway, perhaps that was the problem, because I know these people and what they are like, and I think I know the who the person is sho got the job and am just waiting to have it confirmed..If it is the person I think it is he has left the company 3 times in 5 years when he could not get his own way and they have took him straight back. I feel as if I have been used and thrown into the rubbish bin now they do not need or want me anymore. Any advice, I would like to put in a grievance about the way I have been treated but dont know realy the best way to go about it. I dont feel that I can even stay in this Mess in my former position, as it realy is a stressful enviroment now due to the lack of staff and the lack of traing that they get, which makes them ineffective. I wont be able to get a mess move because there are no positions available anywhere else as a supervisor and they wont pay me a super wage to do room cleaning.
  2. Hello everyone. Could I please join the fan club as well. I bought a car in 2005 from a local garage as it was quite cheap, being a Rover I found out why. I did actually SA GE Money and have just looked through the paperwork they sent me. They have it on file that they passed this debt on to Asset Link Capital, I presume nwthis L:ink Financial. Anyway when I heard fro Link in November 2006 wih reference to my car loan I did as was advised on here and wrote them a letter asking for the Credit Agreement and giving them 14 days to respond. I heard absolutely nothing from them and got the information from GE Money in January 2007. There is a total of £236 in charges on that paperwork alone. I then got another letter from Link in January of this year, which is almost a copy of the one thy sent to me initially threatening me with baliffs, selling the car, judgement on an asset etc. While I am a homeowner, I do not actually have my name on the mortgage, it is just in my husbands name, and he would be very upset if they started down that route. I had a phone call last week, Friday by some bloke saying could I hold the line as he had a call to transfer to me, he did not say he was from Link but somewhere else. I was not realy listening because I was at work. I hung up in the end because I had customers. I got another call this morn ing using the same tactics and then a guy from Link on the phone, giving me grief. Told him to go away and write to me as I was not prepared to talk to him over the phone. What I would like to know is where do I go fom here. this has been going on for years and I am fed up with it.
  3. Can any one offer any advice. I'm requesting with regards to my son. He bought a new car and paid for the insurance with a one off payment of nearly £800.00. The company that he went with said that he had to provide proof of no claims for the previous year. He contacted his previous insurance and they were a bit slow sending the proof. His insurance company now gave him another week. The proof came on Thursday, to our house he does not live here anymore. I text him which he got Friday morning, and he was doing a twelve hour shift at work so did not get round to get it until 9.00pm. He tried phoning them over the weekend but with it being bank holiday he did not have any joy. He phoned them this morning for an e-mail address to send it to and they gave him one that did not exist. As he had to go to work I phoned them again to be told that the insuance had been cancelled and they would not discuss this with me. I am going to fax the proof of no claims when I go to work this afternoon and have text him to phone them. There must be something I can say in the covering letter and would be grateful for any input. He cant afford to have his car insurance cancelled as he does 35 mile round trip to work everyday and needs his car. Also he does not have the money anymore as he had to save up to start with Car Insurance
  4. Can any one offer any advice. I'm requesting with regards to my son. He bought a new car and paid for the insurance with a one off payment of nearly £800.00. The company that he went with said that he had to provide proof of no claims for the previous year. He contacted his previous insurance and they were a bit slow sending the proof. His insurance company now gave him another week. The proof came on Thursday, to our house he does not live here anymore. I text him which he got Friday morning, and he was doing a twelve hour shift at work so did not get round to get it until 9.00pm. He tried phoning them over the weekend but with it being bank holiday he did not have any joy. He phoned them this morning for an e-mail address to send it to and they gave him one that did not exist. As he had to go to work I phoned them again to be told that the insuance had been cancelled and they would not discuss this with me. I am going to fax the proof of no claims when I go to work this afternoon and have text him to phone them. There must be something I can say in the covering letter and would be grateful for any input. He cant afford to have his car insurance cancelled as he does 35 mile round trip to work everyday and needs his car. Also he does not have the money anymore as he had to save up to start with Car Insurance
  5. Can any one offer any advice. I'm requesting with regards to my son. He bought a new car and paid for the insurance with a one off payment of nearly £800.00. The company that he went with said that he had to provide proof of no claims for the previous year. He contacted his previous insurance and they were a bit slow sending the proof. His insurance company now gave him another week. The proof came on Thursday, to our house he does not live here anymore. I text him which he got Friday morning, and he was doing a twelve hour shift at work so did not get round to get it until 9.00pm. He tried phoning them over the weekend but with it being bank holiday he did not have any joy. He phoned them this morning for an e-mail address to send it to and they gave him one that did not exist. As he had to go to work I phoned them again to be told that the insuance had been cancelled and they would not discuss this with me. I am going to fax the proof of no claims when I go to work this afternoon and have text him to phone them. There must be something I can say in the covering letter and would be grateful for any input. He cant afford to have his car insurance cancelled as he does 35 mile round trip to work everyday and needs his car. Also he does not have the money anymore as he had to save up to start with
  6. No I will write to them tomorrow when I finish work. But what will they do?
  7. I replied with the letter that it was incorrect nd frivolos. Still have not received anything in writting but did get a couple of calls and advised would not discuss anything over the phone. Last call was this morning. Hello is that Sharon Emsden "Speaking" this is so and so from Link could you confirm your address and postcode please. "Goodbye" and hung up. I asked them to send me a copy of the agreement that meant that they could take on this debt and have not received anything from them except threats and phone calls. ~Should I now ask them for a SAR to get everything they have on me with the intention of counter-claiming. They have not produced anything to prove that they actually have this account, and after a year of not hearing from them I had a clear out of paperwork and threw alot away. Does anyone hae any suggestions as to my next course of action
  8. My mum bought a car on the 29 Jan. It seemed to be ok. The nest day she noticed a light on the dashboard, phoned me in tears saying there was something wrong with her car. She looked up faults in the manual and it said contact dealer. This was on the Sunday. She phoned the garage on the Monday and they said bring it in. Mum will not drive long distances and had to wait until I had enough time off work to take the car to the garage. With the weather and everything this was not possible until today. The car has been sitting in her garage until today. We took the car to the garage and they told her it was an O2 sensor that was faulty, but they could replace it for £172.00 and it was not covered on her warranty, either of them, she was talked into buying another warranty for £250 to cover MOT,s servicing for two years. As we were stuck 30 miles from home she felt that she had no option but to pay for it. All I want to know is, isn,t there a law that comes into force if the car is faulty in the first 24 hours, I phoned our local garage and he seems to think there is, also he said the garage should have fixed the car free of charge, as she informed them of the fault 2 days later after getting the car home. Does she have any rights under the SOGA and if so which bit so I can write them a letter on her behalf, she realy is upset and I am fuming they have treated her like this.
  9. I sent the letter as suggested, to be signed for and have not heard a thing from these people apart from a call on my mobile sking for me to contact them as it would be in my best interest. I have not called them and do not know what to do now. I dont want to ignore this for another two years just for them to start hasselling me again, any advice.
  10. Wow thanks for being so quick to answer. Are they likely to take court. I dont mind if they do and I can win. Anyway will get this off in the post today and have it signed for as well. Hopefully this will be an end to this. Will keep posted to the outcome. Thanks 42 man.
  11. Please excuse me if any of the questions I am gooing to ask have been asked before. Just looking for validation before I take on these lovely people once more. I had a lettter from Asset in October or November 2006, plus three or four phonecalls every day about a defaulted debt ith GE Money. I followed the advice on here and sent the £1.00 fee and request for the credit agreement. Which I never received. Never heard from them again until last year. Told them I was still waiting for the above and then did not hear again until last week. Told them again the above and they said they would get something in the post. Yesterday a week after taking the phone call,, I got a letter which says: Dated 14 January SALE OF YOUR DEBT Vehicle Description: xxxxxxxxxxxxxx Vehicle Registration: xxxxxxxxxxxxxx We, Asset Link Capital (no1) Linimted ("ALC"), hereby give notice or intimation that effective from 16 Octover 2006 GE Capital Bank Limited (t?a) GE Woodchester)assigned tous the benefit of the debt that you owe to them under an agreement with the reference number set out above("your debt"). We have appointed Link Financial Limited ("Link Financial") to administer and revcover your Debt on our behalf. Point here is that I actually had a letter from Lowell originally saying that they were going to collect the debt and I did ignore them. I phoned GE Money and the only thing that they would tell me at the time was that the account was defaulted and been passed on but they could not tell me who. I had missed two payments aI think and they would not let me catch up. Cont As a result of this assignment your debt is now owed to us, ALC and any payments should be made to "Asset Link Capital (No1) Limited", ath the address above. Please ensure that you quote the reference number xxxxx when remitting payment. (over my dead body) No further payments should be made to GE Capital Bank or GE Woodchester and any payment made by you to them will take signigecantly longer to process on to your account. During such time aditional recovery action may be taken by us. THE TOTAL LIABILITY OUTSTANDING IS 37,950.69. tHE CAR was only £4000 to start with. They go on to say If we do not receive full payment of the debt and all contractual interest due under the contract within the following 15 days we may choose to pass your account to a Debt Collection Agency (I thought that was what they were) or a Solicitor, without further reference to yourself. We may take Legal Action against you to : either RECOVER THE VEHICLE for sale at AUCTION (when you will be liable to pay the shortfall) - theres goes my job. recover the full balance by enforcement of a JUDGEMENT on an ASSETT or PROPERTY yuou may own. House is in my husbands name and the mortgage. instruct BALIFFS to seize goods up to the value of the debt. If we issue legal proceedings againdt you we will charge you an administration fee, which will be added to the balance of your account and you will be liable for any recoverable costs incurred, Please contat an Account Officer at Link Financial on
  12. sharmal

    Going for Egg again

    I got all the information last year to sue egg and they defaulted my account for having the cheek to do so. This sort of snowballed and ended up being defaulted on three accounts. They are now with Debt Angel. Have not been on here for a while but have decided to take on Egg again and also Capital One because I did not bother with them also. I had originally felt a bit blown about by these companies and their bullying tactics but need to take them on and make a point. Can I still take Egg on even though they passed my account to Collection Agency.
  13. The folllowing was written by Sean Poulter, Consumer Affairs Correspondent to the Daily Mail. I believe last week. I found it when I was throwing papers away at work. Banks which close the accounts of complaining customers are being ordered to pay compensation of at least £200 a time. The details emerged yesterday as a City watchdog made clear it will not let banks intimidate customers who have legitimate grievences. More than a million people are believed to have claimed refunds after the Office of Fair Trading said the charges were unfair and illegal. The Daily Mail revealed last week that many of the biggest banks - including HSBC, Nationwide, Alliance and Leicester and Nat West are taking revenge by closing accounts at short notice. Now the Financial Ombudsman Service has published a landmark ruling against such revenge moves. It has indicated that customers will be entitled to compensation for the inconvenience of having to open a new account. A test cse published by the FOS website involves a £200 compensation award to a customer whose acount was closed at 30 days notice after he won a refund £105. Another 50 such cases are going through the FOS system - they are just the tiop of the ice-burg. The watchdog has received more than 5,000 complaints since the Mail raised the issue. The FOS reported a first wave of complaints from people chasing penalty refunds and there is now a second wave over account closures. An FOS spokesman said "Comsumers should not be penalised for exercising their right to complain. We are stablishing a principle that if a bank close an account as an act of retaliation that is not fair. In a seperate move the FSA is launching a wider investigation into the way banks and building societies deal with customers who complain. The banks insist that they are perfectly entitled to close the accounts when customers claim a refund. They say that the claims are evidence of a breakdown in relations which makes it impossible for them to carry on offering an account. Penalty charges have been a significant factor in delivering unprecedented profits - totalling more than £40 billion for 2006 for the nine biggest banks. Halifax - Bank of Scotland yesterday became the latest to unveil record profits - a 14% rise taking the figure to £5.54billion. Apologies if this has already been posted.
  14. Hi Mark, received the cheque Friday morning, so took a letter into the court saying the case was cancelled because Cahoot had settled out of court. I WON THANKS EVERYONE FOR ALL YOUR SUPPORT. WILL DONATE WHEN CHEQUE CLEARS.
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