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    • My 2009 Kia Ceeds ignition broke without any warning. This happened around 2005. Luckily it was still under warranty.   It can happen any time although they should have contacted you to let you know. £350 sounds steep. 
    • Ok defence submitted. Mortimer have sent a letter back ackn my CPR request.   Weirdly Cabot got back to me ackn my CCA but have referenced the other claim for the current account instead. Didn't think you could CCA a current account claim? Fleecers must be getting their wires crossed 😂    I'll sit back and wait and keep on reading up!   As ever thank you kindly to Andy and Dx.
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    • https://www.dailymail.co.uk/news/article-8900129/Boris-Johnson-facing-Tory-revolt-new-lockdown-Furious-MPs-lead-backlash.html
    • I'm very sorry but this is very scant information and it certainly doesn't lay out the story in the way that I asked. Also there is absolutely no reason why you shouldn't identify the courier. as long as you are straight dealing and honest then it is better to bring things out in the open. we don't play secret squirrel here or get into any skulduggery. we are very pleased to help you and support you but you will have to lay things out in the open so can we can fully understand and provide us with the information that we have asked for  
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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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Employment Tribunal soon and I still feel bullied


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Hi,

 

I worked for a company for nearly five years, I used to love it. Then the last few months, the company started to struggle and the boss was hardly around. Out of the blue I got handed a long list of 'evidence' constituting in the whole to gross misconduct. Earlier we had been given a contract to sign which had changed and I hadn't signed it and written a letter stating I wasn't happy to. I think it was this that angered the boss who then knocked my hours down and spent the time I wasn't in trawling my computer and printed off so called evidence. Silly things like joke emails and banter, that sort of stuff. I'm pretty sure it's not gross misconduct. I was the hardest worker there. And I was accused of being a detriment to the companies success. I feel victimised and bullied, and because of my treatment all the other staff members left within the space of 2 months. There isn't anybody there anymore. Both disciplinary and appeal hearings seemed to have already predetermined outcomes and the sheer tone of voice in all the letters I have received is extremely upsetting. I logged it with the tribunal as unfair dismissal as I believe whole heartedly that I have done nothing wrong.

 

I am now currently going through the process of case management orders. I have met all the deadlines and adhered to them. The bundle of documents has been sorted, even though I had to make the respondent aware quite a few of my documents had not been included but listed, and both parties have exchanged witness statements. It has been a month now and the respondent has suddenly decided to add an additional set of documents to the bundle. I suspect he is only doing this now as he has read my witness statement and is trying to cover himself. Is he allowed to do this when the date has passed for the case management orders? It seems a little unfair as he could just keep adding more and more up until the day itself, and I have to prepare myself for it all. It's messy enough as it stands without any extra in there. The message has come through his solicitors who basically say in no two words they are adhering to the respondent. I'm surprised a solicitor would allow it. I would have thought the dates on the case management orders are there for a reason. Any help on what to do would be most appreciated. I don't have a solictor, I'm going this alone as I can't afford one sadly. Mainly because I'm out of a job now due to all of this. I'll be glad when it's all over to be fair.

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define "banter." One man's banter is another's racism, sexism, etc.

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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define "banter." One man's banter is another's racism, sexism, etc.

 

Oh gosh, not racism or sexism. It was things like daft pictures, jokes. One in particular was a photomontage of a colleague which he then put on Facebook afterwards. Out of everybody who worked there I'd say I was the person who did all of this the least, hence why I felt singled out. Even the boss privy to this sort of thing. Nobody else got investigated either. Although I think the threat was there, hence why everybody upped and left. I feel like I've been made a scapegoat. :-(

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So I don't really understand what the reason they gave for your dismissal was?

Never assume anyone on the internet is who they say they are. Only rely on advice from insured professionals you have paid for!

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Do they have an electronic usage policy? This should be in the staff handbook. If you have breached this, it doesn't matter whether others breached it or not, although you could argue that you were treated differently from them. However, you would have to show the company knew about the others' usage but failed to issue any reprimand.

 

Not wise to access social networking sites during working hours or send "amusing" mass emailings as your bosses will have the right to retrieve the downloads and take action if you have breached rules.

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reference to electronic usage policy.

it is possible that your boss has brought one in recently just to cover his back.

if you have one, i would get it checked out, because the use of social networking sites and the internet use at work being freely available and fairly new, the policy is quite a new thing, its not that old, if you had a handbook when you first started, 5 years ago, it is doubtful that this policy is in there.

i was told that handbooks are given every year (??) i have yet to get another one, ive been with my employer 3 years and there is nothing in the handbook regarding the use of the internet or social networking sites. we have since got a policy, it is on a piece of paper, kept in the union office, and a lot of employees, if not all of them, have yet to see it.

 

id get the policy checked.

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If your emails, banter, etc., were reasonable and no objections were raised at the time, you could have a case, particularly if your boss was privy to it and you were treated differently from everyone else with regards to action taken. You can usually use internet and social networking sites 'reasonably' for personal use in the workplace.

 

What was the 'evidence' you were presented with?

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Hi bluelemon27,

 

I believe both sides can continue to add to the bundle - even on the day of the hearing either side has the right to roll up with something they may wish to include. (The other side may ask for a short adjournment to consider the effects of the inclusion of the documents at such a late stage). So, maybe additions to the bundle are not uncommon.

 

Maybe the following website and blog might help you. http://etclaims.co.uk/tag/bundle/

 

Regards

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