Milt,
I say this with utmost respect, but, you need to set down with some accurate measuring tools, all the chokes for the gun, and enough paper and a few different loads to find out what is happening with POI.
You have almost admitted you really havent done enough work with the limits on your time to find out exactly what the problem is. It could be one of several things, or, a few things combined.
Id be willing to bet that as a choke tube gun, you can find out how to make it shoot better for you. It might just be a bad tube, or, a bad installation of that tube. I have a few guns that dont pattern certain loads well. I have had more problems with 20 gauge guns and loads than any others. But, one of my 20s might throw the best patterns of all my guns.
I think you are still a little ways off from declaring the gun or its builders no good.
You have some homework to do. It might also involve a good barrel man.
I wish you the best of luck.

Best,
Ted