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    • Hi caggers, OH got a vanquis card, defaulted and made a last payment in July 2015. Since she gave me a heads up with threat letters for pre-court action, I fired off a CCA and got a response way after the prescribed time line (I can live with that). They did send her a CCA and breakdown of spends. The problem I had with the CCA they sent her was it was pretty unreadable (I can post a copy) but it had her signature on there. I don't doubt the OH owes money but after speaking with her she cannot remember but didn't think it was as much as Lowell's are wanting to claim for as she only had a £500 limit and the amount they want is near £900. So I fired off an AID letter stating the CCA was illegible and at the same time sent a SAR to them specifically asking for a copy of the DN, Breakdown of charges and Interest and anything else they hold. They come back acknowledging both letters but still asked what she her intentions are regarding the account with failure to do so possibly resulting in a claim form incurring costs. They also said they will not send any further copies of the CCA as they've already compiled with the original CCA request. Am I correct in thinking the CCA has to be legible and that this is grounds for the AID? I'm happy to come to an arrangement to clear the right amount owed but not some over inflated figure. Thanks PM
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    • 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.
       
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    • 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!
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Yes I think previous assistant mgr imposed himself on me, and both may have created negative environment around me. I feel I was played while they were grooming the junior guy for the position. I was never under considered. Guy who got the job is 16 yrs younger and over year and a half junior to me in dept.

If it wasn't for my mortgage I would have left the job. In future I will make sure I will not suffer in silence, keep good records and trust no one. I don't think new asst mgr will give me problems as we relieved each other on shift and he never liked previous asst mgr as well.

 

Is it still alright to mention in my grievance letter negatively about previous asst mgr shoes conduct towards me was big factor not getting the job. In letter I like to mention my feelings, concerns, not getting job and previous asst mgr with a word or two how I feel let down by the manager as well. Would this be ok. Should I also demand HR to institute the procedure as I doubt anything can be done or should it be just letter expressing my concerns without requesting any follow up.

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Actually I am not sure you should raise a grievance at all. I am thinking it would be better, now that you have cottoned on to what they are doing to now keep notes, gather evidence of discrimination, if there is any, and hit them with it when you think you have a strong case.

 

Employers don't have to promote people. It is very common to keep capable people down because they actually do the work to make the management look good.

 

Perhaps you should start looking for a position that you could fill elsewhere that is deserving of your talents ?

 

Also I would be wary of the new assistant manager, they have something to prove and as you have been a target before for bullying, it will be the easiest thing in the world to follow an established pattern and start on you again.

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  • 3 years later...

Position has become available again, boss has shown no interest in his body language or attempted to inform me about it. Question is should I apply for the 4th time. Had a brief chat with him but he has not send me right signals. Furthermore he interviewed previous as assist security mgr who caused lot of grievance to me. He has been dismissed twice from his last two jobs since leaving us for suspicious reasons. Even then he gets interviewed. Honestly and I been working honestly and hard for nearly 9 years.

 

Actually I am not sure you should raise a grievance at all. I am thinking it would be better, now that you have cottoned on to what they are doing to now keep notes, gather evidence of discrimination, if there is any, and hit them with it when you think you have a strong case.

 

Employers don't have to promote people. It is very common to keep capable people down because they actually do the work to make the management look good.

 

Perhaps you should start looking for a position that you could fill elsewhere that is deserving of your talents ?

 

Also I would be wary of the new assistant manager, they have something to prove and as you have been a target before for bullying, it will be the easiest thing in the world to follow an established pattern and start on you again.

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Having read the thread I think you see what you want to see. How on earth is someone supposed to send you the "right signals", in what way has his body language demonstrated that he has no interest.

 

You yourself say you have rebelled and become argumentative, though you attribute your behaviour to the former assistant manager.

 

TBH it sounds to me like you have a huge chip on your shoulder - perhaps the other candidates have been better?

 

It is perfectly legitimate to ask internal candidates about any previous performance issues during the course of an interview - to pretend not to have knowledge of your previous performance is ludicrous. So, whilst the basic structure of an interview should be similar for all, inevitably they are not the same - an answer might lead to further questions and so on.

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Unless you try & apply for the post, then you will never know.

 

Has anything improved in your job situation since you last wrote in 2011? Do you get along with your Boss?

 

As for him interviewing a previous Security manager, surely anyone can apply for the post & your Boss can interview them if he so wishes.

 

Good luck & I hope you do get the job this time...

I don't suffer from insanity, I enjoy every single minute of it!!

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Except that I am on final warning notice when in early this year was involved on incident. Since then all good. But final warning stays in record for 12 mths.

I get along n look up to him but he looks down on me I suspect bcz I do not fit the image he prefers.

Yes he can interview but surely he knows better the problems it will create as other officers not fond of him as well.

 

I feel all my work count to nothing sometimes. Obviously very much affecting my health, stress levels high. Some time just feel quitting. Depression ssets in, not good. I am privately seeking counselling not take it from there. If diagnosed with illness or depression will take action against employer.

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Question is should I apply for the 4th time.

 

Not unless your a glutton for punishment.

 

I used to have a rule that i'd only ask a girl out twice, then move on, these days if i asked 4 times i'd be considered a stalker!

 

Apply the same principle here, the analogy may appear strange but works the same becuase every girl who ever turned my down didn't realise she was saying no to the worlds greatest man :)

 

Just as they were all fools, your employer is also allowed to make foolish decisions (according to our opinion)

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Except that I am on final warning notice when in early this year was involved on incident. Since then all good. But final warning stays in record for 12 mths.

 

I get along n look up to him but he looks down on me I suspect bcz I do not fit the image he prefers.

Yes he can interview but surely he knows better the problems it will create as other officers not fond of him as well.

 

I feel all my work count to nothing sometimes. Obviously very much affecting my health, stress levels high. Some time just feel quitting. Depression ssets in, not good. I am privately seeking counselling not take it from there. If diagnosed with illness or depression will take action against employer.

 

Ahhhhh Okies, it's a shame you didn't disclose this earlier on then.

 

As now I'd suggest not going for the position, as there's more to this than you initially revealed.

 

As for fitting an image your Boss prefers, maybe it's rather a case off, your attitude is letting you down as a possibility instead?

 

Please do go see your GP if you feel you are depressed & they can refer you on for Counselling etc.

 

Good luck

I don't suffer from insanity, I enjoy every single minute of it!!

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Having read the thread I think you see what you want to see. How on earth is someone supposed to send you the "right signals", in what way has his body language demonstrated that he has no interest.

 

 

 

You yourself say you have rebelled and become argumentative, though you attribute your behaviour to the former assistant manager.

 

 

 

TBH it sounds to me like you have a huge chip on your shoulder - perhaps the other candidates have been better?

 

 

 

It is perfectly legitimate to ask internal candidates about any previous performance issues during the course of an interview - to pretend not to have knowledge of your previous performance is ludicrous. So, whilst the basic structure of an interview should be similar for all, inevitably they are not the same - an answer might lead to further questions and so on.

Perfectly agree.

Chip on the shoulder? You mean a mountain?

The op started this thread in 2011 and felt the need to say that he's of Asian background.

What has that got to do with failing to get a job?

Then he thinks that being on a final written warning is just a minor thing.

In most organisations you can't even apply for promotion if you have had a warning in the last 12 months.

I sense that trouble follows the op and everything is someone else's fault.

Seen it many many times and been accused of being racist by troublemakers using the race card when faced with the reality that they're not good enough

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