Jump to content
  • Tweets

  • Posts

    • Evening Caggers, I've attached what Lowells had sent the OH relating to my CCA request.  If you ask if the credit agreement could be better its even worse in real life (its pretty much unreadable to the naked eye).  They've asked me on the last letter the OH got off them that they would not be sending another copy of the CCA as they've already sent one.  I get that they've sent her a CCA, but to be unreadable this cannot be correct.  Anyway the stars aligned today as the postwoman delivered the contents of the SAR I'd sent to Lowells.  What they sent was generic letters but without the OH's details showing which I thought was quite strange, copies of what I've attached on the PDF and a couple of legacy information from the previous DCA that had it.  What was not included was a breakdown of any additional charges and interest placed on the account nor a Default Notice which I specifically asked for.  Anyway any thoughts on what I've posted would be much appreciated.  Thanks PM  20201031-Lowells OH Vanquis Card Redacted.pdf
    • You need to tell us the story.  I'm afraid that the claim form gives almost no useful information.   You've been here since January and it's a shame you didn't come to us before starting this
    • You made  number of errors:   You didn't take pictures You used Hermes You relied on faith (Bless!)   Yes, you will have to issue legal proceedings. Post up your proposed letter of claim here before you send it off.  Don't expect it to have any effect.  You will have to issue the papers.   Normally Hermes would then force you at least to go to mediation and would then settle for what they think they can get away with in order to avoid court action.   Hermes don't want judgments against them where those judgments would expose their unfair treatment of customers - such as insisting on insurance to cover their own negligence, or relying on a prohibited items list to evade liability for loss.   However, in your case, the issue is not one of insurance or prohibited items.  The question is merely whether the items were adequately packed and so on this issue they could afford the risk of going to court and losing because nothing would undermine their way of doing business. I am telling you this because it means that Hermes might be slightly more determined than usual to to face a judge even though the dispute is over a small sum.   Read around some of the Hermes threads to see how it normally goes - but as I suggested, most of them will not be relevant to you.   I don't see any purpose in sending an SAR in this case but please do tell us if you disagree.   Once you send the letter of claim, you must carry out your threat to begin the claim on day 15. Register on the Moneyclaim website and start getting the claim ready.  Let us see the draft POC before you click it off          
    • How much do you owe in arrears on the mortgage including interest ?   Why don't you look into challenging possession, offering a lump sum, plus regular monthly amounts covering both normal mortgage repayment and an amount towards arrears ?  Obtain legal advice about this.  Can Shelter Housing charity assist you ?   Seems to me that if you are looking at a return of ownership, then you need to think how financially this will be achieved.  
  • Our picks

    • Hermes lost parcel.. Read more at https://www.consumeractiongroup.co.uk/topic/422615-hermes-lost-parcel/
      • 49 replies
    • Oven repair. https://www.consumeractiongroup.co.uk/topic/427690-oven-repair/&do=findComment&comment=5073391
      • 49 replies
    • I came across this discussion recently and just wanted to give my experience of A Shade Greener that may help others regarding their boiler finance agreement.
       
      We had a 10yr  finance contract for a boiler fitted July 2015.
       
      After a summer of discontent with ASG I discovered that if you have paid HALF the agreement or more you can legally return the boiler to them at no cost to yourself. I've just returned mine the feeling is liberating.
       
      It all started mid summer during lockdown when they refused to service our boiler because we didn't have a loft ladder or flooring installed despite the fact AS installed the boiler. and had previosuly serviced it without issue for 4yrs. After consulting with an independent installer I was informed that if this was the case then ASG had breached building regulations,  this was duly reported to Gas Safe to investigate and even then ASG refused to accept blame and repeatedly said it was my problem. Anyway Gas Safe found them in breach of building regs and a compromise was reached.
       
      A month later and ASG attended to service our boiler but in the process left the boiler unusuable as it kept losing pressure not to mention they had damaged the filling loop in the process which they said was my responsibilty not theres and would charge me to repair, so generous of them! Soon after reporting the fault I got a letter stating it was time we arranged a powerflush on our heating system which they make you do after 5 years even though there's nothing in the contract that states this. Coincidence?
       
      After a few heated exchanges with ASG (pardon the pun) I decided to pull the plug and cancel our agreement.
       
      The boiler was removed and replaced by a reputable installer,  and the old boiler was returned to ASG thus ending our contract with them. What's mad is I saved in excess of £1000 in the long run and got a new boiler with a brand new 12yr warranty. 
       
      You only have to look at TrustPilot to get an idea of what this company is like.
       
        • Thanks
      • 3 replies
    • Dazza a few months ago I discovered a good friend of mine who had ten debts with cards and catalogues which he was slavishly paying off at detriment to his own family quality of life, and I mean hardship, not just absence of second holidays or flat screen TV's.
       
      I wrote to all his creditors asking for supporting documents and not one could provide any material that would allow them to enforce the debt.
       
      As a result he stopped paying and they have been unable to do anything, one even admitted it was unenforceable.
       
      If circumstances have got to the point where you are finding it unmanageable you must ask yourself why you feel the need to pay.  I guarantee you that these companies have built bad debt into their business model and no one over there is losing any sleep over your debt to them!  They will see you as a victim and cash cow and they will be reluctant to discuss final offers, only ways to keep you paying with threats of court action or seizing your assets if you have any.
       
      They are not your friends and you owe them no loyalty or moral duty, that must remain only for yourself and your family.
       
      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
      The money you are paying them should, as far as you are able, be put to a savings account for yourself and as a means of paying of one of these fleecers should they ever manage to get to to the point of a successful court judgement.  After six years they will not be able to start court action and that money will then become yours.
       
      They will of course pursue you for the funds and pass your file around various departments of their business and out to third parties.
       
      Your response is that you should treat it as a hobby.  I have numerous files of correspondence each faithfully organised showing the various letters from different DCA;s , solicitors etc with a mix of threats, inducements and offers.   It is like my stamp collection and I show it to anyone who is interested!
        • Thanks
        • Like

Please note that this topic has not had any new posts for the last 2957 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Right, my husband works at a well known supermarket beginning with M. His boss is an arse, and is always picking on him. My hubby is compiling a dossier of incidents where the manager has made him feel victimised and bullied.

 

Today I was in the store, shopping. As I am disabled, I asked my husband to lift a sack of cat litter into the trolley for me. He actually happened to be in the isle that the cat litter is in anyway, so it wasn't even as if he was going out of his way to help me. He asked me how our son has been this afternoon, and asked how I was feeling, and then the manager came and shouted at him on the shop floor in front of lots of customers. This is not the first time he's done this. He shouted at my husband for 'skiving and chatting to the wife whilst he's supposed to be working'

 

Last month my hubby had to take 2 weeks off due to severe depression, and when he handed his sick note in, he had to give it to the manager on the shop floor as the manager wouldn't go off the shop floor as he was 'too busy'. He was really mean to hubby and told him it wouldn't do his absense percentage any good if he took the time off, made him feel really small and then just tutted and walked off.

 

My husband is fuming and wants to put in a grievance against the manager, who is in his early 20's and has no people skills, he's just a power mad idiot.

 

The problem is, he's the area manager's 'golden boy' and can do no wrong. People have put in grievences before against him, and nothing ever comes of it. He always gets away with it. He's a bully and he's really making hubby's life miserable. I've literally had my hubby come home in tears because of this man. Help!!

  • Haha 1

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites

Could someone please tell me what they think of this. Obviously names have been changed, but in the real letter, full names have been used.

 

September 18th 2009

 

 

FORMAL REQUEST FOR GRIEVANCE AGAINST mr nasty manager

 

On the grounds of:- Bullying,

Aggressive/threatening behavior,

Failure to adhere to company policy

Failure to recognise carers responsibilities

 

At approcimately 16.12 on Friday 18th September, my wife was in store shopping. She asked me for my discount card, and with help locating an item. I was merchandising aisle 2 at the time and took my wife to aisle 6 to help her find the teething gel as she didn't know where to look for it (aisle 6 or pharmacy). I helped her reach it from the shelf.

Aisle 2 was left unattended by me for approximately 45-60 seconds maximum.

 

manager accosted me in aisle 6 and led me at pace back to aisle 2. John Bloggs in attendance.

manager proceeded to aggressively bawl at me for, in his words, "chatting to your missus" on the shop floor, this was shouted at me, in front of John Bloggs and 9-10 customers. This in itself I found degrading.

 

Manager also used such threats as "watch your back" and "be very careful, I'm watching you". When I asked if I should clear away my whole cart for every customer enquiry, Manager seemed to get even more aggressive and told me "don't get cocky with me". I felt it to be a fair question, and it remains unanswered.

 

After this, he stormed off leaving myself and John down the aisle feeling somewhat bewildered and angry.

 

Not only is this bullying of the worst kind, I feel the psycological threats to have been intended to cause personal distress to myself. As Manager is well aware I have low self esteem, and severe anxieties due to my mental ill health.

 

Not only that, but I feel blatant threats are unacceptable.

 

I would also like Manager to be reminded that BY LAW I am Kate's primary carer and have to help her with the majority of her day to day life. However, even if this was not the case, she is still a customer in this store, so it is my job to help her to the best of my abilities just as with any other customer.

 

This is NOT the first instance of this kind of behavior towards me from manager.

 

I would like this sorted out, as I will not tollerate this negative attitude and ill treatment in my place of work.

 

Bob XXXX

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites

If you want complete honesty, I would remove the part about "Failure to recognise carers responsibilities" and "By Law I am kate's official carer" – I say this because I remember you have made posts previously about your husband being late back to work from breaks due to caring responsibilities. The company do have to recognise caring responsibilities but they also, as employers have a right to expect their employee to be able to work to contract. Writing this in the letter, after previous issues where his caring responsibilities have conflicted with his contract responsibilities will only serve to fan the flames for higher management and they may well consider whether your husband is capable of fulfilling his contract.

 

You want to get the point across that your husband was helping you in the same manner that he would assist any other customer, and that it was the manager that took issue with the fact that this customer was “the wife”. You also don’t want to mention the discount card, unless this was the reason for the manager going off on one – as it implies that your husband was not treating you as “every other customer”. In addition, you want to show that this event is not an isolated incident, as again it will give weight to the grievance if there are more incidents mentioned within it, and demonstrated that up until now, your husband has remained reasonably restrained by not taking it further.

You also don’t want the letter to look aggressive. I know you and your husband are angry, but your grievance will generally carry more weight if it is written without appearing aggressive.

 

I’ve amended the letter for you, see what you think:

 

September 18th 2009

 

Dear Sir/Madam

 

RE Formal Grievance

 

I wish to raise a formal grievance against the actions of my immediate manager, Mr Nasty Manager, on the grounds of victimisation by displaying continuous threatening and intimidating behaviour.

 

Mr Nasty manager has consistently behaved toward me in a manner which I find unacceptable and without just cause. These behaviours toward me have been evident during the following incidents:

 

*Write about the previous incidents, giving dates if possible. ESPECIALLY mention the incident where your husband was certified sick; this will demonstrate that the manager is aware he is suffering depression.

 

The culmination of events led to the most recent incident; an aggressive exchange in a public area of the supermarket, which has prompted me to raise this grievance:

 

At approximately 16.12 on Friday 18th September, my wife was in store shopping. She asked me with help locating an item. I was replenishing aisle 2 at the time. I was aware that given my wife’s short stature, she would be unable to reach the item (which was placed on the top shelf in aisle 6), I accompanied her there and retrieved the product for her, providing the same level of customer service I would to any other shopper. Aisle 2 was left unattended by me for approximately 45-60 seconds maximum.

 

Whilst still in the vicinity of aisle 6, I was approached by manager who led me at pace back to aisle 2. Where a fellow employee was in attendance.

My manager proceeded to raise his voice to me in an aggressive manner, reprimanding me for, in his own words, "chatting to your missus”. This exchange occurred on the shop floor, in the presence of a co worker and approximately 9-10 customers. I found this experience degrading.

 

My manager also used such phrases such as "watch your back" and "be very careful, I'm watching you", which I perceive to be threatening behaviour. When I asked in a reasonable manner, if I should clear away my whole cart for every customer enquiry, manager’s body language became ever more aggressive, and his response to my question was: "don't get cocky with me". I felt my question to be a fair one in the circumstances, and it remains unanswered.

 

Following this episode, he stormed off leaving me and my colleague down the aisle feeling somewhat bewildered and angry.

 

The overall behaviour of my manager during the aforementioned incidents have caused distress to me. I feel it is appropriate to mention that Manager is fully aware I suffer with low self esteem, and severe anxieties, symptoms of my depressive illness which I am working through with support from my GP.

 

I am finding the behaviour of manager intolerable and wish that his behaviour be addressed by senior management as a matter of urgency.

Should you wish further clarification of these incidents, please do not hesitate to contact me by writing to the address provided at the top of this letter.

Yours sincerely,

 

Bob XXXX

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

Link to post
Share on other sites

EDITED - duplicate posting!

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

Link to post
Share on other sites

Thank you so much, I have amended a few bits, and also added other incidents aswell. If I send it to you in a private message would you mind reading it and making any suggestions to improve it?

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites

Hi,

 

I've had a read through the previous incidents and really have nothing to add; everything seems very well written, and non-confrontational on hubby's part.

 

Best wishes, and let us know how you get on.

My advice is based on my opinion, my experience and my education. I do not profess to be an expert in any given field. If requested, I will provide a link where possible to relevant legislation or guidance, so that advice provided can be confirmed and I do encourage others to follow those links for their own peace of mind. Sometimes my advice is not what people necesserily want to hear, but I will advise on facts as I know them - although it may not be what a person wants to hear it helps to know where you stand. Advice on the internet should never be a substitute for advice from your own legal professional with full knowledge of your individual case.

 

 

Please do not seek, offer or produce advice on a consumer issue via private message; it is against

forum rules to advise via private message, therefore pm's requesting private advice will not receive a response.

(exceptions for prior authorisation)

 

 

 

 

Link to post
Share on other sites

i witnessed one of the managers from the m supermarket tell the young lads (who had used their iniatives!!) to take all the sauasage rolls, pies and pasties out of the reduced price bags they had just put them in as it was THREE minutes to seven. then re-bag them after seven.

errrm!!!

Link to post
Share on other sites
i witnessed one of the managers from the m supermarket tell the young lads (who had used their iniatives!!) to take all the sauasage rolls, pies and pasties out of the reduced price bags they had just put them in as it was THREE minutes to seven. then re-bag them after seven.

errrm!!!

 

Sounds about right.... :roll:

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites

Hi,

 

Can I ask has your husband discussed this with his manager?

 

Clearly, I can see that this is getting to your husband, but if he has not spoken to the manager then it is unrealistic to expect anything to change, if the manager does not see anything wrong in his actions (which he clearly doesn't if he keeps acting in the same way).

 

Generally, these types of matters are best to try to resolve informally in the first instance. I would suggest he talk it over with the manager informally or with the HR manager before submitted a formal grievance. I would suggest to do this if you get no joy from the informal approach. That was it shows your husband is trying to be reasonable and also gives you more levels of recourse to work with in the first instance.

Link to post
Share on other sites
Hi,

 

Can I ask has your husband discussed this with his manager?

 

Clearly, I can see that this is getting to your husband, but if he has not spoken to the manager then it is unrealistic to expect anything to change, if the manager does not see anything wrong in his actions (which he clearly doesn't if he keeps acting in the same way).

 

Generally, these types of matters are best to try to resolve informally in the first instance. I would suggest he talk it over with the manager informally or with the HR manager before submitted a formal grievance. I would suggest to do this if you get no joy from the informal approach. That was it shows your husband is trying to be reasonable and also gives you more levels of recourse to work with in the first instance.

 

Yes, hubby has tried a number of times to take the manager aside and talk to him, but the manager just walks off and says he's busy. Also, other people have raised greivance with this manager for his terrible attitude and bullying. The deputy manager has spoken to him about it informally too.

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites

Or you can do what I did some years ago when I found I was working for a complete a*se - got my wages on Friday night, waited while he was off the premises, then flattened him!

Cops called at my home next day - sorry officer? Wasnt me.

Link to post
Share on other sites
Or you can do what I did some years ago when I found I was working for a complete a*se - got my wages on Friday night, waited while he was off the premises, then flattened him!

Cops called at my home next day - sorry officer? Wasnt me.

 

Not helpfull.

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites
  • 1 month later...

Well, just to update you, just incase you haven't been following my other thread http://www.consumeractiongroup.co.uk/forum/employment-problems/221580-hubby-suspended-theft.html

The company didn't think that what the manager was doing to my hubby constituted as bullying. Which is ridiculous. Hubby has been invited to a mediated meeting to speak to the manager and work through their differences..

They only gave him 36 hours notice so he won't be attending, he's going to re-schedule it. Though I don't think he'll be returning to that place now anyway..

If I have been helpful in any way, please tip my scales :lol:

Link to post
Share on other sites
  • 2 years later...
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...