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    • thats not a credit agreement, it's a signed application form, it doesn't contain all the prescribed terms it should, and it also refs other T&C terms that are not included.   as for ever sending an SAR to a DCA, thats the same as sending a stupid AID letter, simply invites pointless letter tennis.   sit on your hands until/unless they send a letter of claim and a reply pack.   dx  
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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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    • 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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Hi,

I have worked for a company for under a year and I am being bullied and harassed by my boss, I have been undermined in-front of my staff that I manage and made to look stupid in front of other managers. Our HR department is not being supportive and they are closing ranks and through my conversations with them they make me feel that this is my fault. I confided in another manager about my concerns and he informed my manager, now my position is now untenable. I am currently signed off with stress and feel that I have no choice but to resign. I have no job to go to and I am worried about money.

I need advice, should I resign?

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Escalate it out of their hands to the area manager or head office

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Then get in touch and find out. There are many things you can do. You just have to exhaust your employers procedures first.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Yes certain employment protection doesnt kick in now until u have 2 years contineous service. So be careful. Unlawful or wrongfull or constructive dismissal are not available avenues for you at this time.

 

Exceptions to this do include protection from discrimination under the single equality act.

 

Other recourse is a personal injury claim. But that is tricky complex and potentially expensive. You would have to formally exaust grievence procedure and have medical evidence and witnesses etc.

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Should you resign? Not if you can help it. Keep head down and find another job. Easier to gain employment while you are working.

 

I know this is not what you want to hear. Been a victim of a 6 year bullying campaign from a area hr manager. I managed a discrimination claim and settled out of court but was a long stressful trip

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Hi stress

 

It's not a great position to be in. Have you raised a Formal Grievance, it sounds like you tried to raise an Informal Grievance with your manager, HR, Director etc. If you do raise one send it to all parties Recorded Delivery.

 

You will need to give specific examples, also you will need witnesses to the 'harassment' and 'bullying'.

 

http://www.acas.org.uk/index.aspx?articleid=1670

 

Sounds like your Doctor is being supportive which is good.

 

Here's some info:-

 

http://www.nhs.uk/Livewell/workplacehealth/Pages/bullyingatwork.aspx

 

http://www.hse.gov.uk/stress/furtheradvice/bullyingindividuals.htm

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