Hi Folks Can someone help me? I have been using a CMC for nearly 3 years with only one successful PPI refund from my wife's credit card. I have one claim currently with the FSCS. I have a few other claims that they are handling, however I am dissatisfied with the lack of any real movement, after repeated phone calls asking what was happening and getting the usual fob off, of , it's very busy!! Could someone please help me with a form of words to "ditch" this CMC? Is it possible that they will try and charge me....?? Doc2527

Hi folks When making a claim for mis-sold PPI can I claim interest charged for adding the payment protection insurance borrowed at the same interest rate as the loan? How do I calculate that? I have already paid the loan off, however I only received a paltry rebate from GE Money. Any help or explanation would be much appreciated. Doc

Hi CC Did you ever get around to putting your annual statement up? Doc

Anyone out there!?? with an answer??

Do they get fined £50,000 for each complaint made? so if they dont supply info you request and you complain to the OFT each time, does that mean it will cost them £50,000 a pop!!! Please God let that be the case:madgrin:

Hi Have you seen the news about the OFT announcement about Swift today. If they lose their license does anyone know how that would play out....?? What effect will it have on their business?? thanks doc

Hi CC Can you post up a copy of your annual statement, I'd love to see what one looks like as I've never seen one in all of the years I've been with Swift? Obviously blanking out key information like your name and account details. ta doc

Hi Folks My son has been in University accommodation in his first year and the accommodation office have now Invoiced him to pay £50 to paint the walls and £5 to clean the communal kitchen surface. I know that there wasnt any need to paint the walls and clean the kitchen surfaces, as I was there at the time of him moving out, I helped clean the kitchen surfaces myself and I had checked the walls. I know Universities can be mean at witholding a students degree until all debts have been paid. Do I have any recourse that he doesnt have to pay this , I see this as another way of Universities taking money from naive students. Any advice would be very much appreciated. Regards Doc

Important changes to the mortgage repossession pre-action protocol As of 6th April the introduction of the pre-action protocol for mortgage arrears has ensured that lenders must explore all opportunities to agree a repayment schedule with the borrower before commencing proceedings. Lenders must be able to evidence their compliance with the protocol before the court if they seek an order for possession. If they cannot, the order will not be granted. It used to be that a lender should have followed the rules; this has now been changed to state that they MUST follow the rules. In addition, as part of the proceedings the lender would need to submit a N123 form outlining to the court what they've done to adhere to the rules.

Many thanks for this Andrew1 Doc

Many thanks 42Man Doc

Hi Folks I'm not advertising.....but has anyone any dealings or knowledge of this company? Their "blurb" seems interesting...or do they only deal with PPI....however it does say that if you feel that your loan has been mis sold, then you may be entitled to compensation?? http://www.protectionclaims.com/swiftloans/ Regards Doc

Hi LL I've sent again??

Hi LesterLass I have PM'd you. regards doc

Perhaps this is what every customer should be asking of swift now, and then lets see how they deal with everyones request....or has this already been done by every customer??

Folks Has anyone heard anything from their 1st Mortgage holders? Regards Doc

Hi Folks I'm sure there must be someone out there that can help with some advice? or advise me on a forum to go to to seek advice?? My friend is at his wits end....so some help would be very much appreciated!! :-( Doc

Bump.....Anyone ??

Hi folks I know this isnt the correct forum to post this request on...I'm hoping someone will advise me correctly!! I have a friend who has a second charge loan on his home with a company very much like swift!! He is considering filing for bankruptcy, as he thought that might be a way of him getting rid of this second charge predator. (he doesnt have any equity in his property)is this possible? Regards Doc

Wikipedia states:- Perjury, also known as forswearing, lying under oath or lying on oath, is the willful act of swearing a false oath or affirmation to tell the truth, whether spoken or in writing, concerning matters material to a judicial proceeding. That is, the witness falsely promises to tell the truth about matters which affect the outcome of the case. In the United Kingdom a potential penalty for perjury is a prison sentence of up to 7 years.However prosecutions for perjury are rare. (This no longer appears to be the case as in todays latest news headlines). Tommy Sheridan (MSP) jailed for three years for perjury

Hi LL some emails deleted now!!?? Doc

I was only joking about the migration stats??

Hi Folks Well written Andrew1 (very concise and thorough), excellent post. I will certainly be informing my first mortgage provider with the information regarding them having conducted business with an unlicensed trading style. Can someone give me some idea of what they would possibly do under these circumstances? My first Mortgage provider that is. (PM me if this would give too much information to others watching on the open forum?) Regards Doc

Hi Does Swift carry out their own insurance business, after all they have charged everybody £100's for indemnity insurance on Block, have they not?? Doc

Hi LL Nothing has come through can you try again, please? doc