Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 160 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Swift Advances Extortionate charges


028majmac
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 2515 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hi all

 

I have applied for all my information from Swift Advances,

but I think the broker does not trade anymore,

so will have to go to FCSC for PPI reclaim I think?.

 

 

I am not sure how to go about the spreadsheet that is talked about.

...is there a step by step guide,

and a copy of the spread sheet?

I want to try to reclaim extortionate charges from Swift.

Link to post
Share on other sites

so you have the statements>

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... 

Link to post
Share on other sites

Well, I got the letter from Swift to say they will send them within the 40 days,

but I just wanted to get all my ducks in a row for when I actually get them.

And to see what I do to reclaim the PPI.

 

 

I think the broker is no longer trading,

but will need to check if they went bankrupt or just gave up.

I am in Northern Ireland by the way.

Link to post
Share on other sites

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... 

Link to post
Share on other sites

  • 1 month later...

I have received a summary of personal data back.

 

The broker of the PPI was dissolved following liquidation.

 

The loan was taken out in Oct 2002 and finished in Nov 2012.

 

Where do I go now about PPI?

 

And how do I try getting charges back from Swift?

2nd charge loan.

Link to post
Share on other sites

2 sep issues.

charges reclaim is again swift

 

 

PPI will either thru the FSCSas broker is gone or the PPI insurance underwriters

 

 

so you have all your statements from day one now.

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... 

Link to post
Share on other sites

No statements. Just a summary of data. The letter says that a SAR provides a right to see the information contained in personal data rather than a right to see the documents that include that information.

 

And I haven't got the info as to who the underwriter was. I am sending a letter back requesting that. FSCS are no good as the broker is gone and ppi taken out in 2002. So need to find the underwriter.

Link to post
Share on other sites

sorry but you need to sar them...

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... 

Link to post
Share on other sites

probably because you tipped them of it was for penalty charges & PPI reclaiming.?

 

 

an sar should return all documents pertaining personally to you or your agreements

 

 

who were the brokers central castle...?

 

 

you need to know who the PPI insurance was provided by

should be in swift threads here already have you looked?

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... 

Link to post
Share on other sites

probably because you tipped them of it was for penalty charges & PPI reclaiming.?

 

 

an sar should return all documents pertaining personally to you or your agreements

 

The brokers were CCC Financial here in NI. Can I go back to Swift and ask for more. I didn't tell them in my letter what I wanted my. Data for.

 

who were the brokers central castle...?

 

you need to know who the PPI insurance was provided by

should be in swift threads here already have you looked?

 

The brokers were Ccc financial here in ni. I didn't tell Swift what I wanted my data for. Can I go back now to them? And also request who underwriter was?

Link to post
Share on other sites

well if they've not sent a complete copy of the agreement

was this a secured loan or a mortgage or both?

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... 

Link to post
Share on other sites

well if they've not sent a complete copy of the agreement

was this a secured loan or a mortgage or both?

dx

 

They have sent a copy of the agreement, and told me who the broker was, but not the underwriter. It was a secured loan. Actually says 2nd charge, so am thinking this means a loan secured on my house?

 

Thanks for your replies....I am going round in circles I think.

Edited by 028majmac
More info
Link to post
Share on other sites

yep 2nd charge is secured.

 

 

the agreement should tell you who provided the insurance

or the additional sheets should

as you'd have had to sign a separate sheet or box for the PPI

and that had to state who the provider was.

unless its the old multiple agreements debacle going on here

would ideally need to see it.

 

 

the first statement should also give a clue as to whom the PPI lump sum was paid out too.

 

 

dx

 

 

 

 

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... 

Link to post
Share on other sites

oh yes they all are

funny thing is I cant seem to find it out anyway

the net and cag seems devoid of swift underwriter names

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... 

Link to post
Share on other sites

Guest Mrs Hobbit

No have never dealt with Swift.

 

i was doing some research for someone a while back and found an underwriter who works at Swift Capital in the States,

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...