I had a swift secured loan of £12k. Taken out in 2006

Loan was taken out in joint names but my husband was only income earner but the property is only my name

Got into arrears

Was taken to court for repossesion but order suspended on grounds that I pay contractual instalment plus 150 towards arrears as this would mean all arrears are paid by end of loan term

Loan term ended April 2016 and all arrears paid

Swift have taken me to court again for repossession soon on breach of contract grounds as they are claiming I still owe them £30k

In total I have paid them £23k... Which is almost double what I borrowed but they still claiming I owe £30k

Went to court August 10 2016 but was adjourned due to lack of evidence from swift regarding balance and previous suspended order.

..made a proposal for payment of 250 per month but has been refused by swift

Back in court 26 September 2016.....

All advice would be useful on what I should do

please anybody anything

I've flagged this up for a moderator to help. I can't help much except to get proof together of all payments made and if possible any statements you have had from Swift to show you have complied with the original court order and that they are taking liberties.

tnx sillygirl

i have all letters and statements from swift.

received a letter from swifts solicitors regarding the evidence they going to provide the court on monday

Can you post up the evidence they are providing. Are you using a solicitor?

scan up

the org agreement

and all statements please.

i'll guess they have been adding all manner of fixed sum fees?

arrears/letters/phonecalls/debt management etc

and been charging interest on these?

scan the stuff to ONE MULTIPAGE PDF

after redaction as a JPG first

follow the upload guide.

dx

no not using a solicitor

how can i scan the documents???

dont know how to

docs will be up later this eve

dx

tnx alot dx

much appreciated

ok check everything is here please

they are having a laugh aren't they???

they clearly state they have charged you +£2620.80 PPI [reclaimable] [ppi box IS NOT TICKED!!]

and in the statement..£13k in PENALTY CHARGES [reclaimable too!!

ruddy fleecers!!

yes everything is here.

thank u

so how can i go about claiming it all back???

and I bet those figures don't include all the interest they've charged on those.

I bet you actually owe nothing.

have you ALL the statements from day one

Can you guide me to box on the agreement which needs to be ticked for PPI please DX.

Positives are it's under £25k and regulated under the CCA.

bottom of page one signed

not ticked

but doesn't matter

its reclaimable

there even a £1000 brokers fee

there are so many things bad about this agreement is laughable.

how can a £10k loan from 2006

that should totally cost £22.536

still have owing +£30k 10yrs later

and I bet those figures don't include all the interest they've charged on those.

I bet you actually owe nothing.

 

have you ALL the statements from day one

im pretty sure i do have

i have a 21 page statement whuch swift are going to pesent in court

not sure as what i need to do regarding tye court hearing on monday

for want of anyone else helping...

if you've all the statements

then we need to get those charges typed in a spreadsheet we can give

and work out how much they have actually 'cost 'you

and the same with the PPI.

if those two add up to more than the claimed sum

i'd expect the judge to be rather upset at their application.

dx

ok

i can scan them tomorrow and email them to u again??

Thanks DX I see the box now, and yes regardless of that it is reclaimable.

twill be a pleasure...

Would you mind posting up the spreadsheet showing the calculations please when completed. It will be helpful to others in a similar situation. Can you also show how it shows what it has cost the borrower.

We are all rooting for you for Monday Sofi.

Would you mind posting up the spreadsheet showing the calculations please when completed. It will be helpful to others in a similar situation. Can you also show how it shows what it has cost the borrower.

 

We are all rooting for you for Monday Sofi.

tnx alot Determindator & DX

twill be a pleasure...

emailed you the statements DX

twill be a pleasure...

any luck with spreadsheet DX??

hey i'm not superman

and cag has 365,000 other registered users.....

Dx can i help with the spreadsheets at all?

I can do the fees one if you want to take the ppi?

(Only because ive never had ppi to reclaim before)

hey i'm not superman

and cag has 365,000 other registered users.....

sorry DX

yes please martin.

wait i'll post up the statements as an attachment to this post in a mo.

they will be unredacted so the post will then need to hidden.

5 mins.

dx