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    • They've actually been behaving themselves for me, recently.  I'm re-signed with them on a variable tariff, meaning not tied in and can leave any time if they get up to their old tricks.  However something I noticed was that when accepting the tariff they actually showed in advance how they expected that annual total to be split into the 12 months.
    • Hi BankFodder, I will keep an eye out 🙂. . .
    • If you don't understand what you're saying then don't say it.   Yes recorded post is a good idea
    • Hi All   really need some help and advice.   i have a PayPal credit facility with a balance of £400. I owe £270 due this month. I am going to phone them and pay this and clear it as it’s a credit contract and I know they can enforce it.   however alongside that I have a negative PayPal balance of £5000 this is not through the PayPal credit. It shouldn’t have happened and I don’t plan to pay that, at least not now.   if I phone PayPal and pay the credit facility with my debit card will that be ok? Or will they use those details to try and get the money back for the 5k negative balance?   thanks for any help. Whilst I appreciate PayPal credit and the negative balance are separate with them being on 1 page on 1 account I wasn’t sure. 
    • Next says future lockdowns of non-essential stores would cost it millions of pounds before Christmas. View the full article
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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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Something very serious is about to happen for my husband with his employment and we really need some advise.

He has worked for a large, high profile company for 10 years now and loves his job. He has never taken time off sick apart from the odd day, no more than 10 days in the whole 10 years and has never had any work issues such as any disciplinary action etc.

 

 

Everything was fine until about five months ago when the company brought in a new manager for the sales team and my husbands position was altered. He took on his new role and performed well. There were rumours that this new boss wanted to replace the sales team - he wanted to bring in people he had previously worked with. Anyway, he started to micro manage, picking holes in everything my husband did and making his life unbearable. Things came to a head at the beginning of December when my husband had lost so much sleep with worry that he had to see his doctor, he was signed off for two weeks with work related stress. On Friday 18th Dec he was called into the office for a meeting with this manager. A member of HR was present to take notes. He was basically told that the company didn't think that he could handle his job anymore and that they were going to put together a severance package to pay him off and that he would have 10 days to accept. They said that if he refused the package he could still return to work but not in the same roll.

We believe that the offer will be very small so that it will be rejected forcing my husband to accept another roll within the company but in the same team, in other words he will still have the same boss who we think will then start disciplinary procedures which will lead to the dismissal he wants.

My husband is nearly 60 so will find it almost impossible to get another job, especially with this type of thing on record. We thought he'd be with this company until retirement.

 

 

I think my husband needs to see a solicitor but he is reluctant to spend any money knowing he'll soon be out of work.

I don't know very much about this sort of thing but it sounds like constructive dismissal to me, can anyone help please?

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Something very serious is about to happen for my husband with his employment and we really need some advise.

He has worked for a large, high profile company for 10 years now and loves his job. He has never taken time off sick apart from the odd day, no more than 10 days in the whole 10 years and has never had any work issues such as any disciplinary action etc.

 

 

Everything was fine until about five months ago when the company brought in a new manager for the sales team and my husbands position was altered. He took on his new role and performed well. There were rumours that this new boss wanted to replace the sales team - he wanted to bring in people he had previously worked with. Anyway, he started to micro manage, picking holes in everything my husband did and making his life unbearable. Things came to a head at the beginning of December when my husband had lost so much sleep with worry that he had to see his doctor, he was signed off for two weeks with work related stress. On Friday 18th Dec he was called into the office for a meeting with this manager. A member of HR was present to take notes. He was basically told that the company didn't think that he could handle his job anymore and that they were going to put together a severance package to pay him off and that he would have 10 days to accept. They said that if he refused the package he could still return to work but not in the same roll.

We believe that the offer will be very small so that it will be rejected forcing my husband to accept another roll within the company but in the same team, in other words he will still have the same boss who we think will then start disciplinary procedures which will lead to the dismissal he wants.

My husband is nearly 60 so will find it almost impossible to get another job, especially with this type of thing on record. We thought he'd be with this company until retirement.

 

 

I think my husband needs to see a solicitor but he is reluctant to spend any money knowing he'll soon be out of work.

I don't know very much about this sort of thing but it sounds like constructive dismissal to me, can anyone help please?

 

Best advice is to get hold of all paperwork regarding the role he is performing and all the performance stats. Go through his targets for the year and what performance he has to deliver, to see whether he is performing the role to the level expected by the company. If he is doing so, it would be difficult for the company to argue that he was under performing and therefore not be suitable for the role he is employed for.

 

Suggest that he takes a trusted colleague with him to any meetings for note taking and any advice. Don't let the company railroad him into a less well played role. He should also request a full copy of the companies HR handbook on such disciplinary issues and ensure that there is a full written record of all meetings. No meetings without a full minutes being taken, which your husband should be given a copy to sign to confirm accuracy.

 

If he visits the ACAS site, there is plenty of useful info and they have a helpline.

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I think my husband needs to see a solicitor but he is reluctant to spend any money knowing he'll soon be out of work.

I don't know very much about this sort of thing but it sounds like constructive dismissal to me, can anyone help please?

 

One your husband can talk to the Citizens Advice Bureau, they offer free advice but I don't think it will be very detailed

 

Two, there are a lot of organizations offering pro-bono services he could speak to one or two of them.

 

Three and my favourite, and this is what I do most of the time, he could speak (on an informal basis) to several solicitors and they will give him little advice and tips. (Solicitors offer free 30mins discussions initially)

 

Finally there are a lot of no win no fee employment lawyers but I don't think they will want to represent him at this stage.

 

Constructive Dismissal is when a person is forced to resign because of the behaviour of his/her employer. I wouldn't advice it at all since it is very difficult to prove.

 

Your husband has a lot going for him since he has been with the company for 10 years.

 

He could get in touch with ACAS to resolve issues but again I don't think your husband does a lot of research into his legal right and so they might be able to wriggle themselves out of it.

 

So my advice is this: He should do his research, ask a lot of question to legal people and finally talk to ACAS.

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I think my husband needs to see a solicitor but he is reluctant to spend any money knowing he'll soon be out of work.

 

I did a little bit of research after my last post and found out that the Employer have to pay for the employee's solicitor in a Settlement Agreement (the new name for Severance Package).

 

Please do your research and you will find a lot in your husband favour. He has 10 years and that is a lot.

 

I don't think I'm allowed to post link to other website but if the moderator agrees I will send the link.

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Hi bluetack,

 

It sounds as though the employer has exercised their right to have a protected conversation (or confidential conversation) with your husband. That being the case, you can't mount a constructive dismissal case on the back of that conversation, as its inadmissible in court (except in exceptional circumstances).

 

Pragmatically speaking, if your husband can negotiate an agreeable severance package, it could at least serve to alleviate his stress. If he can't, then he would have to go back and attempt to do the adapted job, and potentially face tribunal litigation if he is unfairly dismissed on capability grounds in the future (which would take 3-6 months).

 

The other point is that a basic contribution towards legal advice on a settlement agreement won't usually cover advice on the value of any potential claims (or sometimes even whether the deal is reasonable). If your husband does want to leave, it could be wise to instruct a solicitor to negotiate on the settlement agreement and try to increase the package on offer.

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