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Posted

Ok, here is the deal . I have been a loyal Snappie customer since 1984 and I have never experienced anything like what I experienced today with Snap on credit.

Long story short , a credit Manager made the decision that I defaulted on the lease agreement because I failed to notify them that I returned a piece of equipment ( WITH THE HELP OF THE LOCAL SNAP ON DEALER ).

 

So the Manager ( let's call him King ) made this decision from the input of all other parties involved ( some of the input was fraudulent, that's a big word and I would never use it unless I can back up using it, which I can ) and even though I had evidence to back up my claim that said I had no idea I was in default because the local Snap on Dealer was helping me with the return of the used equipment because he paid for it originally with his credit card.

 

My evidence consisted of emails and text messages that backed up my claim of not knowing to contact Snap on leasing when returing a piece of their equipment.

One text from the local dealer said once he got the credit back on his card he would either credit my truck account or cut me a check.

The text did not say anything about contacting Snap on credit.

 

BTW. I never missed a payment.

 

So when the King called the loan amount due full or otherwise they will come and get the equipment, so I told him to come and get it.

 

So be aware of Snap on credit fellow shop owners.

 

I will guarantee to all you guys and gals, if some young buck wants to play King with my lively hood it's time he learned a little life lesson.

 

I will keep you all updated.

 

Thank you.

Posted

Mike, why make it a pissing contest?

 

I like to put everything in writing to avoid miscommunication. Ask Mr King to put his grievance in writing and to verify his claim and sign his name. If he tells you are in breach or default tell him to put it in writing and the facts for his determination.

 

Make sure you know the terms of your agreement, if the truck man is not an agent for SnapOn credit, I can see where someone may have been led astray. But if "King" thinks that he can just trample on another man, he may just get a rude awakening.

 

I used to get into this long winded disputes when I was young, not any longer. I have them put everything in writing and I do the same, look at the facts and proceed accordingly.

  • Like 1
Posted

Mike, why make it a pissing contest?

 

I like to put everything in writing to avoid miscommunication. Ask Mr King to put his grievance in writing and to verify his claim and sign his name. If he tells you are in breach or default tell him to put it in writing and the facts for his determination.

 

Make sure you know the terms of your agreement, if the truck man is not an agent for SnapOn credit, I can see where someone may have been led astray. But if "King" thinks that he can just trample on another man, he may just get a rude awakening.

 

I used to get into this long winded disputes when I was young, not any longer. I have them put everything in writing and I do the same, look at the facts and proceed accordingly.

 

Well said. Lots of times these type of situations are miscommunications between all parties that get blown out of proportion by hot headedness.

Step back, take a deep breath, and work through it like the professionals that we are. Don't let anger cloud your vision, it only makes things worse.

  • Like 1
Posted

Hi guys and thanks for your input.

 

There is alot more to this story than I can divulge because of the good possibility of the litigation process taking over.

 

I can comment however on what you guys posted. Not really a "pissing contest " going on here, I have been around long enough to no better that will never get you anywhere and its just a waste of time.

 

I did request an email from the King before I posted my original post , to send me the exact reason why I am in default, the King has yet to reply, figure that is .

 

The problem here is a pencil pusher behind a desk making an unjustified decision that effects the welfare of my business.

 

The " rude awakening " is coming it just might take some time.

 

Thank you all for your input and I will update what happens.

 

Thank you, Mike.

Posted

 

I did request an email from the King before I posted my original post , to send me the exact reason why I am in default, the King has yet to reply, figure that is .

 

 

See, Mike, this is a perfect opportunity for you to follow up! "Mr. King, I haven't heard from you regarding the facts to support your determination, if within XX days i haven't heard from you, we agree this matter is settled and you waive any and all future claims." In other words, put up, or shut up and forever hold your peace.

  • Like 2
  • 2 weeks later...
Posted

 

See, Mike, this is a perfect opportunity for you to follow up! "Mr. King, I haven't heard from you regarding the facts to support your determination, if within XX days i haven't heard from you, we agree this matter is settled and you waive any and all future claims." In other words, put up, or shut up and forever hold your peace.

But you can't write something as if it's law just because it sounds legal. King won't respond to that either I'd guess.

 

Good luck with your latest 'fire' to put out!

Posted

Ok, here is the deal . I have been a loyal Snappie customer since 1984 and I have never experienced anything like what I experienced today with Snap on credit.

Long story short , a credit Manager made the decision that I defaulted on the lease agreement because I failed to notify them that I returned a piece of equipment ( WITH THE HELP OF THE LOCAL SNAP ON DEALER ).

 

So the Manager ( let's call him King ) made this decision from the input of all other parties involved ( some of the input was fraudulent, that's a big word and I would never use it unless I can back up using it, which I can ) and even though I had evidence to back up my claim that said I had no idea I was in default because the local Snap on Dealer was helping me with the return of the used equipment because he paid for it originally with his credit card.

 

My evidence consisted of emails and text messages that backed up my claim of not knowing to contact Snap on leasing when returing a piece of their equipment.

One text from the local dealer said once he got the credit back on his card he would either credit my truck account or cut me a check.

The text did not say anything about contacting Snap on credit.

 

BTW. I never missed a payment.

 

So when the King called the loan amount due full or otherwise they will come and get the equipment, so I told him to come and get it.

 

So be aware of Snap on credit fellow shop owners.

 

I will guarantee to all you guys and gals, if some young buck wants to play King with my lively hood it's time he learned a little life lesson.

 

I will keep you all updated.

 

Thank you.

Was the requirement to contact Snap-On Credit regarding the return in your contract?

Did you READ your contract?

If it was and you didn't then you are solely at fault. But it's easier to blame others instead of take responsibility, isn't it?

.

If this is a requirement of the SnapOn Credit financing contract and "the King" can enforce it, then you are solely at fault and your lack of knowledge of the requirement is not a valid excuse. If this is a requirement of the SnapOn Credit financing contract then it is your responsibility to fulfill it, not your dealer's.

 

If the requirement is not present and you can prove it, then stop whining to us and contact the supervisor who oversees "the King" and let them know how he is abusing their customers.

 

I don't use the exorbitant interest rate financing from Snap-On credit, I have good enough credit to gain financing from traditional reasonable rate sources (my bank).

Posted

Mike, why make it a pissing contest?

 

I like to put everything in writing to avoid miscommunication.

 

Make sure you know the terms of your agreement

 

I used to get into this long winded disputes when I was young, not any longer. I have them put everything in writing and I do the same, look at the facts and proceed accordingly.

One thing i learned VERY early in life as a business owner, IF IT ISN'T IN WRITING IT WAS NEVER SAID! What the means is just what is says, if you don't have the agreement or claim in writing no one has to abide by it. The only way to protect yourself is to have it in writing. And if you are expected to enter into an agreement with another entity, it is YOUR responsibility to make sure you understand their terms of the agreement.

 

I agree with you completely

Posted

Hi TM or DA or whoever you are, read before you speak. You are barking up the wrong side of the tree ( not the sunny side ), Mechanic.

 

Hi guys and thanks for your input.

There is alot more to this story than I can divulge because of the good possibility of the litigation process taking over.

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  • Have you checked out Joe's Latest Blog?

         0 comments
      The Technician Shortage Is Our Fault, And It's Time We Own It
      Nearly every day, I hear shop owners complain: "There's a technician shortage. We can't find qualified people. There's no one out there." If that's true, then who's to blame?
      The industry? The schools? The government? I don't know how you feel, but who promised us an endless supply of qualified technicians?
      Another common complaint is that young people do not want to work in the trades. Well, if that were true, then why are other trades such as HVAC, electrical, and plumbing growing? What are they doing that the automotive industry is not? 
      Here's the reality we need to face: We do have a problem, but we shouldn't look for someone or any entity to rescue us. Not the government. Not the trade schools. Not the recruiting companies. No one owes us a workforce. If we want great people in our industry, it's up to us. At some point, we need to own up to the truth: Building a pipeline of qualified technicians is our responsibility.
      In this blog article, I will break down the key reasons we are in this situation today and what we, as an industry, can do to solve the technician shortage. Are you ready to look in the mirror?
      Have We Pushed Technicians Away?
      Let's take a look at flat-rate pay. True flat rate, which pays a technician only for the hours they produce, is a controversial pay plan that emphasizes high production levels and creates a competitive work environment that, if not properly controlled, can lead to increased mistakes and a decline in morale and team spirit. Additionally, the stress and physical demands placed on technicians as they age are not favorable to long-term employee retention. What do we do with technicians as they grow older into their fifties and begin to slow down? 
      I have heard all the arguments and pros and cons of flat-rate pay, and I am not going to judge any pay plan. Let the facts speak for themselves. True flat rate has changed in most areas around the country and has evolved into a pay plan that gives technicians some pay guarantee.
      Many shop owners have learned that team morale, along with the opportunity to earn income, is important to technicians and to the company's long-term success. But let me ask you: how many technicians have left or been pushed out over the years because of the old flat-rate pay system?
      Another issue is the workplace environment. I remember being grateful to be hired as a young technician at a local repair shop. While very thankful, the work environment was not ideal. The shop owner kept the bay doors open year-round (I am from New York) unless it rained or snowed. He felt that if the bay doors were closed, customers might think we were closed for business. We had no heat and no hot water. Many of the jobs were done outside, year-round,  in all types of weather. The starting pay was minimum wage, with no benefits, sick days, or vacation pay. 
      Now, again, I need to point out that I was truly grateful for the opportunity this shop owner gave me. I learned a lot working there, and the experience was pivotal in my career. But looking back, I wonder how many people were discouraged by these working conditions?
      While the physical demands of the repair workplace are daunting, perhaps even more critical is the culture. Too many of my generation shop owners preached the mindset of "my way or the highway." We were the business owners, after all. We started our companies, took all the risks, and provided jobs. Why shouldn't we be the ones to set the ground rules our way?   
      Many of us found over the years that the "my way or the highway" mentality was a sure way to isolate employees and make them more likely to look over the fence for greener grass. In other words, it led many technicians to seek employment elsewhere, where they felt they could be appreciated and recognized for their hard work. The issue, however, was that there wasn't much green grass around. Disappointment after disappointment, bouncing from repair to repair shop, eventually led to despair. So, I ask you: were workplace conditions a contributing factor in today's technician shortage?
      Another factor that we are all well aware of is the complexity of the modern automobile. When I started, the work was mostly physical, and you were required to master essentially three vehicle models: General Motors, Ford, and Chrysler. Let's fast-forward to today. The evolution of automotive technology, along with the extensive training and tools required, has outpaced the typical technician's pay compensation, with no clear career path. Again, leading to frustration and insecurity about the future.
      Here is the bottom line: people don't leave their job; they leave their experience. We must do a better job. 
      The News Isn't all Bad; Your Next Steps to Fix the Technician Shortage
      To fix the technician shortage, it will take a combined effort from everyone in the automotive industry, particularly automotive shop owners. Shop owners are in the perfect position to make the greatest impact, not only on their businesses but also on the future automotive workforce.
      First, shop owners must become better leaders and understand that their ultimate success is directly dependent on the people they assemble around them. Any shop owner who mistakenly believes they can build an empire solely on their abilities is destined for serious disappointment. Business owners who think like this will eventually plateau. Without the collective contributions from a team of qualified people, your business will stall; it will not continue to grow.
      Create a workplace that attracts top talent: a clean, professional, well-equipped facility designed to support productivity, teamwork, and a career, not just a job. Build a great reputation in your community by getting involved locally. Become the auto repair shop that people take notice of as "the" place to work.
      Next, shop owners must become more financially knowledgeable. Knowing your numbers and what you need to achieve for a strong bottom-line profit is essential to paying technicians the money they need and deserve. Profit will also allow you to compete with other trade industries by providing a benefits package that has real take-home value and security.
      When it comes to culture, this is where the rubber hits the road. People crave recognition, praise, and a sense of purpose. Despite what you hear, people are not just money-motivated. Once people feel secure in their financial situation, retaining and motivating technicians can only be achieved by connecting with them on an emotional level. You cannot show enough appreciation. Give out praise for a job well done as if your business depended on it, because it does.
      As technicians age, we need to have a place for them. Expecting a 58-year-old to perform like a 35-year-old is unrealistic. We need to be more focused on career pathing. Provide training, skill development, and coaching to develop leaders and mentors within our older workforce. While their bodies may have slowed, the knowledge they have gained is priceless. 
      Our future is dependent on young people entering our industry. We need to give more young people opportunities. Every shop owner across the country should consider hiring an apprentice, then build an apprentice training plan and career path for them. If every shop did this, we could solve the technician shortage within five years. Get involved with the trade schools and high schools in your area. Look into the NAPA Apprenticeship Program. Don't sit on your hands with this one. Do it today.
      Lastly, don't get left behind. Commit to ongoing training for all your employees. Keep up to date with tools and equipment tailored to your business model. Don't try to be all things to all people and all vehicles. Identify your core profile customer and the vehicles they drive, and become an expert on those vehicles and the services you offer.
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