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    • Sorry to hear about your problem, it's horrible when people take advantage like that.   I don't want to add to your woes, but road tax is not transferrable to a new owner so when he said 'road tax is paid so I have not to worry', he was wrong. See here:   https://www.gov.uk/sold-bought-vehicle   The last thing you need right now is another problem, so I'd either take the car off the road and make a SORN declaration or tax it as soon as possible. If you are planning on making life difficult for the seller then don't be surprised if he reports you for no tax!   I hope it all works out for you.
    • I recently purchased some wheels on eBay which were located at the other end of the country. The seller was happy for me to arrange a courier to collect them and I paid him for them.   I put a request for some quotes on Shiply and accepted one from a company with plenty of positive feedback, who claimed to be insured and would only take payment once the item was delivered. I paid a deposit of £8 immediately via PayPal.   Shortly after this, I recieved a message from the courier saying that because of Coronavirus they were no longer accepting payment at the door on delivery and would instead require payment by bank transfer two days before delivery. I paid the remaining fee of £44 as requested.   The day before delivery, I get a message from the seller say that he thinks the courier has collected the wrong items. I contact them immediately, and yes, they have collected the wrong items. They tell me that the seller was not present when they collected but had left a message at his works reception directing them to collect those items (the wrong ones). After I point out that they are wrong, they stop texting back.   I then get a message from the seller asking for my phone number so that we can figure out what to do. I send it, but have heard nothing from him since.   Today, while I was out, the courier has delivered the wrong items to my house an hour earlier than expected and my son has accepted them.   So, I wonder how to sort this out...   No doubt the courier will argue that they have done as directed and are not to blame. The seller will argue that he did not leave such a message/the courier misunderstood and he is not to blame either. So I get the sinking feeling that I will end up having to foot the bill for the wrong items to be returned AND the right ones to be delivered - only tripling the delivery cost!   Any suggestions??
    • Hi All, before I start I know there are similar threads of the topic I am raising, and each, of course, has its own unique scenario, which may benefit others. My case is as follows: 1. I saw a gumtree ad on the 16th of Oct 2020 for a Mercedes E220 CDI, priced at 7,500 2. I called the seller and said I will come over on the 17th of Oct 2020 to view. 3. On the 17th of Oct 2020 I went to his place where he is working and viewed the car. He is working for a major car rental company. I checked the car and of course asked the normal things to ask e.g. any insurance write-offs, loans, accidents, etc. The seller said the car is clean etc.no loan, he had a loan but all is paid off etc. and he has the papers. 4. I negotiated the car price to 6,800 because the rims were showing some signs of damage, the rear light had a small burst, cosmetics, etc. I checked all but did not see any sign of damage to the car (it's a black car, the car was a bit dirty, and the sun was already setting in) 5. We agreed on 6,800 and decided to purchase the car. We went into his office, where I paid cash, and also got a Car Sales Invoice with all details of the seller, and a V5C green slip 6. I purchased car insurance and drove off. I asked him about Road Tax and he said Road tax is paid so I have not to worry, just need car insurance. 7. On 18th of Oct 2020 I cleaned the car interior because it was really dirty inside - it took me a few hours so decided to clean the exterior the next day 8. On the 19th of Oct 2020 I went to clean the exterior and after the car was clean I noticed some parts were resprayed. I became a bit suspicious; so on the 19th of Oct 2020 in the eve, I went on the internet and run an HPI check. The outcome from the HPI did not show any accidents, insurance write-off but an outstanding Loan with Moneybarn. At this point, I thought maybe the database is not updated, etc. 9. On the 20th of Oct 2020, morning, things were going through my mind; the seller said the car is clean, no issues, no loan since he settled all etc. but the HPI reports say there is still some outstanding loan. So what I did, I called Moneybarn, and explained the situation, and gave them the contract number as well (since it was displayed on the HPI report). They said they will send me a form by email, but they cannot share any information due to Data Protection (GDPR). fair enough I thought, but what made me boil, they said they OWN the car! So, I took the car and drove to the seller where he is working. I confronted him. He said don't worry, I will handle it, he has no time, he is very busy and bla bla bla. I said what reasons do I have to trust you, you lied, and now you say you still have a debt, etc. So I said I will not leave until he has settled the debt, or repay me my money. I also asked what is outstanding, he said around 7,000. Well, since I confronted him at his workplace he may have felt the heat, he assured he will settle all soon, I said sorry, I need a date, so I said you will settle the debt with Moneybarn by 23 Oct 2020, if not, you will refund me my money. He said Ok he will do it, so I said, since I don't trust you, you will sign a piece of paper, and sign it. On the paper, he wrote "I will clear the debt for the Mercedes by Friday" and signed it. I said I am not happy and added the debt details with contract number, and also a clause that if he fails to settle the debt with Moneybarn by Friday the 23rd of Oct 2020, he will refund me my money, 6,800, and sales of the car Mercedes, license plate, will be void. Also, I said to put an initial on each amendment I made with signature. He did, and I left. 10. On 22 Oct I sent him a message, to remind him to settle the debt by Friday 23 Oct 2020 noontime and also I outlined some legal jargon I had to sent that I received from citizensadvice. 11. On 23 Oct, morning time, I received a message from the seller, he said he will not/cannot refund me the money, not to visit him at his office or place, and that he feels threatened by me. 12. Now, the dilemma/headache; a). I received the form from Moneybarn on the 20th of Oct 2020 and I have to send it back within 7 days b). the seller send me a message he will not refund the money c). is the seller holding the title with Moneybarn or did he also buy and not knowing there is an outstanding loan on it d). did he sent the V5C to DVLA since I have the green slip? e). Shall I fill in the form and sent it to Moneybarn? f). If Moneybarn has all my details they may send someone to repossess the car? 13. I decided, I will not undertake anything yet, because my mind said, go there, confront him, park the car in front of the company since I purchased it there and signed all paperwork in their office, they will call the police, the police will come and surely will not do anything but will force me to remove the car and park somewhere else, record all on camera, take all evidence, sent to Moneybarn and at the same time to the seller's employer (when I asked him to sign a letter he will settle the debt by Friday 23rd of Oct 2020, he used a paper of the car rental company, and on the back, the logo of the rental company is displayed clearly and he may have acted on behalf of the company to sell me the car, after all, I don't know if he holds the title with Moneybarn - well, this is an excuse for me to even sue the car rental company, or blacklist him with the company he is working for since it seems he is some type of manager there and he may have acted in the capacity as a sales person to sell the car to me on behalf the company....). 14. So on the 23rd of Oct 2020, I didn't do anything like described under 13....it's not my style as such I called AWH solicitors, explained all, and they said one person is specialized in dealing with such cases and will call me back after studying my case and inform me if it is something they can fight or not. So they will call me Monday the 26th of Oct 2020. I also said I want to go now and confront the seller, but she said better wait till Monday, and if they can fight the case, they will tell me the next course of action - but my funds are limited and cannot afford a lengthy battle, because if no case against Moneybarn means I will have to sue the seller to the court which will cost me. The car has comprehensive insurance and with all this saga I added on the 20th of Oct 2020 also legal insurance on top. Lengthy story, but I am trying to be as detailed as I can, and yes I should have done an HPI before buying the car, but I am from Holland and car sales work there a bit different, and this is my first time I buy from a private seller. Well, once I have sent the form to Moneybarn, I will park the car in a garage, and at this stage, I am renting a room in a house (there is one more tenant). Since I am from Holland, I am planning a trip within 2 weeks to visit my family and I will drive down with the car and in the meanwhile wait if the solicitor can be of any help. I need some advice though, I am still planning to drive down to the seller on Tuesday after I talked with the solicitor, park the car in front of the company, and confront the seller, and try to record all. I will also try to make him sign a letter that I purchased the car in good faith from him (regardless if he holds the title with Moneybarn or not but at least I purchased in good faith from him). Evidence that I have: 1. Car sales invoice 2. Paper that I made him sign 3. Gumtree ad; I could retract this from google history, but the original add removed from gumtree. At least I can show it was advertised 4. I tried to create a history of past owners, total owners including me are 5. It seems the car was also posted on gumtree before by a company in Essex (I saw on google). The reason for doing this, it is very likely that the seller purchased the car from someone else with an outstanding loan. Since then I read a lot on the internet, so please any advice is welcome to pursue my case, I paid a lot and at least I want my money back. Also what I read so far, Moneybarn is not easy to deal with...thanks in advance for any advice I can use for my case.
    • Hi   I think you need to check not just the serial number but what Meter Point Reference Number (MPRN) as the MPRN is what is registered and energy supplier go off as well as the serial number.   So you need to see what the MPRN is as well as the energy supplier it is registered with.   If you look at this Ofgem link: https://www.ofgem.gov.uk/consumers/household-gas-and-electricity-guide/connections-and-moving-home/who-my-gas-or-electricity-supplier   In the above link to do this check it gives a link to:   Find My Supplier: https://www.findmysupplier.energy/webapp/index.html (note you may have to complete a captcha, then input your postcode only and click find my address, when the list comes up click on your exact address, you will then see you actual MPRN and the energy supplier linked to your address)   With the above make sure and take the details of the MPRN and the Energy Supplier, better still take a screenshot/pdf the webpage.   Please let use know if on doing the above it matches your current supplier?  
    • I had exactly the same issues.   Grossly over estimated bills from January onwards.  Despite what they claim, they are effectively taking an interest free loan from their customer base to keep the company in business.   They can dress it up how they like.  It’s irrelevant if they reconcile the bills the following month because they just over bill again thus keeping a rolling interest free loan.   it took two months of constant badgering to be finally moved to a fixed DD.   Once that was done I didn’t care how much they over-estimated by.   I had raised a query with the ombudsman over the billing fiasco and they readied a complaint should I wish to proceed.   I thought everything was sorted until May/June whereby I was allegedly more in debt then I was expecting to the tune of an extra months DD.   On querying it, it transpired that even though I was on a fixed monthly DD, because the bill was generated less than 5 days before the DD was due to be taken they didn’t take the DD.   They offered £5 compensation by way of apology but wanted to take two months DD in June.  I told them where to get off.   With appalling customer service,  bills that you need a Maths degree to follow, and I do have one and still struggled, inability to follow through on any agreements, constant gross over-estimation, the missed DD was the final straw and I proceeded with complaint to ombudsman.   Prior to getting to that stage I had to quote Symbio’s own complaints procedure to them to get any sort of response.   Their final offer to me was £25 goodwill and to waive an exit fee. The offer was derisory given the time it had taken to get things sorted and the continuing ineptitude.  Also, the whole thing has dragged on so long (5 months) I was already in the final 49 days of my contract and therefore there were no exit fees to pay and therefore nothing to waive.   Anyway, upshot is, ombudsman found in my favour.  Ordered an apology and a goodwill payment. Symbio appealed but were told the decision stood.   This week I received the goodwill payment.   I promptly left an honest and truthful review on trustpilot.   The next morning I received an email from Symbio with an apology.   This was followed an hour later with an email from trustpilot saying Symbio had replied to the review.  On reading the response they have accused me of not following procedure and of cyber bullying.   The company is a complete joke.
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      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.
       
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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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Hi,

I have worked for a department store for the last 6 years. I have been Senior Management for all these years and Full Store Manager for 3.

My store is performing to all the given targets (sales, shrinkage and salary) and the standards of the store are high.

I am contracted to 42 hrs a week and never do less than 46 hrs (overtime is unpaid) I got a new boss a few months ago and since then problems have started.

Although nothing has actually changed with my store standards or sales dropping. Those senior to me are taking a lot of interest in my store and myself.

There is a new roll-out on Management training and I have been told I have to go away on a months training (although the standard course is a week) There is no other Manager in the Region being told they have to go on a months course. I have been told I need the 'extra help' but there is nothing to back this up. I have had no warnings or performance meeting and no disciplinary action taken against me. It seems my face doesn't fit at the moment. I belong to an 'enforced' but unofficial work group on my mobile and this seems to be used for my immediate Manager to bully me. If I respond (in a rational manner) then I just get comments like 'Boo Hoo' and 'Work Harder' etc.

Is there anything I can do? My immediate Manager is obviously not interested in what I have to say and I imagine his Manager feels the same (judging by recent conversations) and above that is really just the owner of the company and he is just of the 'If you don't like it, f*** off' type (in fact they all are - they laugh about the fact you cannot go to tribunal without paying up front any more and so much more)

What can I do? H.R will just refer it to the owner and all hell will break lose.

Thank you in advance

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I would keep my head down for the moment but start keeping notes of everything and recording all conversations and remarks.

 

A small 4gb recorder is cheap and can stay hidden in a pocket all day recording without being filled up. Then copied on to a computer in the evening so that the memory is clear for the following day.

 

http://www.amazon.co.uk/s/ref=nb_sb_noss_1?url=search-alias%3Daps&field-keywords=voice%20recorder%204gb&sprefix=voice+recorder+4%2Caps&rh=i%3Aaps%2Ck%3Avoice%20recorder%204gb

 

This kind of treatment is very difficult to prove without witnesses or evidence - and unfortunately, greater credence tends to be give to management - especially when the poor treatment is not at the extreme end of the scale.

 

Gather all of the evidence and come back here in a few weeks.

 

Make sure that the recorder will allow you to switch off the LED. Most will - but check the manufacturer's website for the user manual

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I belong to an 'enforced' but unofficial work group on my mobile and this seems to be used for my immediate Manager to bully me.

 

I don't understand what this is, can you explain please?

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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Thank you for your replies. I'm sorry I posted to a parking forum first.

The enforced but unofficial thing is what my immediate Manager wants us all to do in the Region. All (but him) are using personal mobile phones and their own funds but it is supposed to pertain to work. There is a 'fun' and a bit of banter too. but mainly used as quick correspondence between all of us . (about 40 members in all) I do have all comments made on the phone and witnesses who feel he is being unfair.

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Hi lion

 

Just a thought, try not to worry. But sending you away for a month, could that be a strategy for moving you from your store?

 

You say your face doesn't fit, could it be because your good at your job and others see that as a threat?

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I've yet to come across any form of unofficial work related group messaging system that doesn't end in tears for someone. Save the messages as the person is leaving themselves wide open making comments of this nature but make sure what you are posting is whiter than white as well.

 

The rule of "when your face doesn't fit" is keep your head down and yes sir no sir every request unless your willing to take them on.

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change phones. tell those that ask that old phone is broken/stolen and will take a while for phone co/insurers to sort out new one. If they think it so important to be able to hound you thety can provide phone and you switch it off out of work hours (unless contrct says otherwise). Do you have any characteristics that makes you different to other store managers? Education/background for example

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change phones. tell those that ask that old phone is broken/stolen and will take a while for phone co/insurers to sort out new one. If they think it so important to be able to hound you thety can provide phone and you switch it off out of work hours (unless contrct says otherwise). Do you have any characteristics that makes you different to other store managers? Education/background for example

Hi, no not really... I'm a bit older and they seem to be after young 'go getters' rather than me. But I do the same job, same hours and do it just as well ( or so I thought?)

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I experienced a similar situation a long, long time ago.

I was promoted as store manager, sorted out the store and hit all the targets in 12 months.

They then started coming after me and I didn't understand the reason at first because our store was performing very well.

In the end they forced me to resign because I had left an assistant manager alone in the office for a few minutes with the safe opened (no money was missing but they were monitoring the cctv).

The reason they wanted me out was that another more senior manager was in standby because his store had been closed down and they needed a space for him.

He couldn't be sent on his way because he'd been in the company 12 years and I was only there for 23 months.

He basically harvested my crop.

Maybe the same is happening with you.

Make sure you don't make any mistake and follow company policies to the letter.

This might mean changing some established habits that are accepted at work but do not comply with company policy.

I.e. using a pc while someone else is logged in, witness cashing in without actually being there, clock in/out for meal break, leave the store for a few minutes without telling head office, etc.

Make yourself very familiar with the latest policies and stick to them.

If something has to change with how you deal with your staff as a result of this, just tell them that you all need to follow company policies from now on.

Don't give too much details in case the gossip gets to senior management.

By following procedures it will be very hard for them to get rid of you.

This month training must be justified somehow.

Ask in writing more info about it and also ask the direct question: will I be back to my store after the training or you plan to get rid of me?

This will probably create a bit of panic because senior management think that we are all stupid monkeys and can't work things out.

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Is there anything I can do?

Look for another and probably better paid job before they fire you.

 

With your CV in senior management you shouldn't have major troubles finding another position and after 6 years a career change is probably the best thing for you.

"Ask not what your country can do for you, ask what you can do for Poundland"

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Look for another and probably better paid job before they fire you.

 

With your CV in senior management you shouldn't have major troubles finding another position and after 6 years a career change is probably the best thing for you.

Thanks for all your replies-I don't want to leave though, I love the job, just not the bullying culture,

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