Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I hope that some one will be able to help.
We are in the process of claiming our money back for a missold PPI, the problem that we are coming up against is who is responsible? and who do we go after to get it back.
We contacted Swift Advances who loaned the money set up the PPI and added it to the loan and then everything was passed to the broker Portfield Financial Services who took the first initial enquire and application both are saying that they are not responsible.
If the application was made to swift advances and they made the arrangements even through a broker then swift should be your approach for a refund.
You should initial send a Subject access request with a postal order for £10 to ask for all the data they hold on you. The should send you a true copy of the Consumer Credit Agreement, statement of account, copy of the terms and conditions of the loan and PPI and any other data you ask for, (make sure you ask for everything). Transcrips of telephone conversations, all data held in any format, paper electronic, microfische and enything else you can think of.
If you check out some of the other threads you will get the general idea.
This is the result of a search on the FSA register for swift advances.
Firm name Post code Previous/Trading As namesStatusNon-FSMA Registration Swift Advances plcCM13 3BE Swift Advances Plc Appointed Representative Swift Finance (UK) Ltd S12 3GL Swift Finance (Uk) Ltd Appointed Representative Former
Swift Advances,
Swift Finance,
Swift Homeloans,
Swift Insurance Services,
Swift Mortgages,
Swift Solutions
Not sure who is responsible
, the problem that we are coming up against is who is responsible? and who do we go after to get it back.
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