Any one think of Virtually being present via Webcam/Videoconferencing??

Hi Pkelly Just PM'd Doc:rolleyes:

Hi Swift eater Welcome aboard! Have you been sent a default notice as yet? Under the Consumer Credit Act 1974 (as amended) places statutory requirements on second charge lenders when dealing with customers in arrears. When a borrower is two months in arrears with their second charge mortgage like yourself, the lender is required to send a formal Notice of Sums in Arrears. Thereafter,the Notice will continue to be sent every six months until the customer is no longer in arrears or when a court order has been granted. Have you received any of these notices, perhaps you could post them up on the site with your other docs (anonomised of course.) so we could check these also. Your lender Swift comply with the Pre-Action Protocol for Mortgages, they are bound to this under their membership of the FLA. The Protocol was introduced by the Ministry of Justice in November 2008. The Protocol requires lenders and borrowers to act fairly and reasonably with each other. It is aimed at encouraging more pre-action contact between the parties to seek an agreement and to facilitate the efficient use of the court’s time, where an agreement cannot be achieved. The Protocol also provides additional protection for homeowners. For example, under the Protocol, a lender should consider postponing the possession action where: 1. A claim has been made under a payment protection policy and this is expected to be accepted by the insurer. 2. The borrower can demonstrate that reasonable steps have been or will be taken to market the property at an appropriate price and in accordance with reasonable professional advice. 3. A genuine complaint has been made to the Financial Ombudsman Service about the potential possession claim. Prior to the introduction of the Protocol, lenders may have sought a suspended possession order from the court to reinforce an alternative payment arrangement agreed with the borrower. Under the Protocol, they will only be able to seek a possession order once all reasonable options have been discussed with the borrower and these have failed to resolve the position. Together, these legislative remedies provide additional protection to consumers facing possession action. This should give you a reasonable amount of hope that Swift won't take possession of your home under the Protocol arrangements, however as I'm sure you're most likely aware , others have had possession orders placed on their property without very much contact or communication from Swift. This raises further questions around how well Swift are adhering to the Protocol and their FLA membership rules. Perhaps a call to the FLA might raise awareness of this. I look forward to seeing your docs, others on the site will be very helpful in adding their tuppence worth and advising were neccessary. good luck Doc:-)

Hi Swift eater A good place to start would be to post up your agreement with Swift on your own thread, so that those who are knowledgeable on such matters could take a look at them and then offer some advice on how to proceed next? Have you missed any payments? How much arrears do you have? Are you being repossessed? do you have a court date as yet? good luck doc

Hi ScarletPimpernell I've PM'd you? Doc

The SFO site makes for some very very interesting reading.........and the powers they have are mindblowing.

Hi Sparkie I've PM'd you Doc

a big YES from me too Sparkie:D

So many one track minds:smile: You know I didn't mean it to come out that way

I mean I'm finding it difficult to understand!! oops sorry about that:)

HI SC Many thanks for pointing that out...being male and also being early in the morining....I'm finding it hard!?

?

Me too Sparkie Doc

Hi Sparkie I have just PM'd you. Doc2527

Hi Under Smarter Chicks, post number 15171 of her loan agreement section 14 d it states that "You understand that your monthly interest does not repay the total loan amount shown in 5 above, which you must pay off in full by the time this agreement ends.":? Should we be worried about this??

Hi folks I'm most intrigued as to what Stupid35 (although I'm sure they're not!!?) has to say about Swift....very very interesting?? Do pass on anything you have??? Doc

Did Blackie ever get anywhere with the media coverage situation...i think it was through Watchdog? doc

Should I take this through a legal claims company such as i-smart?

Hi Can anyone help me with my query regarding secret commissions. I had take out a couple of loans through I Group and GE money,a broker arranged these loans. (I currently have a remortgage arranged though a broker) These loans have been paid and settled in full(except of course the mortgage). Can I still ask for information on secret commissions after these loans have been settled? Is this done via an SAR to the brokers? Regards Doc

Hi Are they not supposed to provide you with "everything" they have about you? Surely they are breaking the rules!!! or am I being naive??:-? How do these guys go to bed at night and sleep??

Hi 42 Would I need to add the items you have just mentioned into the DSAR? Doc

Perhaps I'm posting this in the wrong location. Could someone have a look at this agreement for Littlewoods catalogue account, and let me know if it's enforceable. This was sent to me by Cabot who are looking after this account. This is the only form I got which was a photocopy. Regards Doc2527 LittlewoodsDCA.pdf

I have made a request to the Bank of Ireland for Hardship, they have said NO!! I feel my situation with them was unique as my wife and I were made to leave them, due to them cancelling all of our Direct Debits, forcing us to move to another Bank, which we found extremely extremely difficult. I would like to know what I should do now? Do I make a claim against them through the courts? Doc

Help!!! Anyone!!!

Fortunately I didn't take out any PPI !! doc