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    • love the extra £1000 charge for confidentialy there BF   Also OP even if they don't offer OOC it doesn't mean your claim isn't good. I had 3 against EVRi that were heard over the last 3 weeks. They sent me emails asking me to discontinue as I wouldn't win. Went infront of a judge and won all 3.    Just remember the law is on your side. The judges will be aware of this.   Where you can its important to try to point out at the hearing the specific part of the contract they breached. I found this was very helpful and the Judge made reference to it when they gave their judgements and it seemed this was pretty important as once you have identified a specific breach the matter turns straight to liability. From there its a case of pointing out the unlawfullness of their insurance and then that should be it.
    • I know dx and thanks again for yours and others help. I was 99.999% certain last payment was over six years ago if not longer.  👍
    • Paragraph 23 – "standard industry practice" – put this in bold type. They are stupid to rely on this and we might as well carry on emphasising how stupid they are. I wonder why they could even have begun to think some kind of compelling argument – "the other boys do it so I do it as well…" Same with paragraph 26   Paragraph 45 – The Defendants have so far been unable to produce any judgements at any level which disagree with the three judgements…  …court, but I would respectfully request…   Just the few amendments above – and I think it's fine. I think you should stick to the format that you are using. This has been used lots of times and has even been applauded by judges for being meticulous and clear. You aren't a professional. Nobody is expecting professional standards and although it's important that you understand exactly what you are doing – you don't really want to come over to the judge that you have done this kind of thing before. As a litigant in person you get a certain licence/leeway from judges and that is helpful to you – especially if you are facing a professional advocate. The way this is laid out is far clearer than the mess that you will get from EVRi. Quite frankly they undermine their own credibility by trying to say that they should win simply because it is "standard industry practice". It wouldn't at all surprise me if EVRi make you a last moment offer of the entire value of your claim partly to avoid judgement and also partly to avoid the embarrassment of having this kind of rubbish exposed in court. If they do happen to do that, then you should make sure that they pay everything. If they suddenly make you an out-of-court offer and this means that they are worried that they are going to lose and so you must make sure that you get every penny – interest, costs – everything you claimed. Finally, if they do make you an out-of-court offer they will try to sign you up to a confidentiality agreement. The answer to that is absolutely – No. It's not part of the claim and if they want to settle then they settle the claim as it stands and don't try add anything on. If they want confidentiality then that will cost an extra £1000. If they don't like it then they can go do the other thing. Once you have made the amendments suggested above – it should be the final version. court,. I don't think we are going to make any more changes. Your next job good to make sure that you are completely familiar with it all. That you understand the arguments. Have you made a court familiarisation visit?
    • just type no need to keep hitting quote... as has already been said, they use their own criteria. if a person is not stated as linked to you on your file then no cant hurt you. not all creditors use every CRA provider, there are only 3 main credit file providers mind, the rest are just 3rd party data sharers. if you already have revolving credit on your file there is no need to apply for anything just 'because' you need to show you can handle money. if you have bank account(s) and a mortgage which you are servicing (paying) then nothing more can improve your score, despite what these 'scam' sites claiml  its all a CON!!  
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Swift after repo on £30k debt of which +£12k is charges +£2k is PPI!!


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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

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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.

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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docs will be up later this eve

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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!!

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

twill be a pleasure...

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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??

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hey i'm not superman

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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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)

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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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