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  1. HI again, Can anyone help me with my witness statement? I have been going through the repayment record that I finally managed to get from swift and i've noticed that a payment made in 2012, of which proof was provided to the judge and to swifts solicitors agent, is still not shown on the repayment record even though the judge accepted the proof and told swift they could not apply any costs to my account regarding this missing payment. As they still have not applied the payment to my account, the arrears figure swift are using to evict me is, actually, not true. Can anyone tell me how to properly word this in my witness statement to suspend the eviction warrant please? Also, over the last 2 years I have made overpayments towards the arrears of, on average, £116.00 per month extra but, despite this, the arrears have not gone down because of all the unfair/excessive charges + interest they've been charging me. I haven't had any response yet to my request that they refund me these charges. I would really appreciated some advice on writing the witness statement if at all possible.
  2. Thank you for your help dx. Very much appreciated
  3. Hi dx, I am having trouble scanning the agreement but these are the figures given on it: Principal Loan - £25,365.00 228 monthly payments of £429.79) (we, actually asked for less than this but were told that if we made it over £25,000 we would get the loan quicker...I know why now...made it unregulated!!) Insurance Loan - £3,803.80 (36 payments of £60.17 then 192 payments of £10.35) Total - £29,168.80 (36 payments of £489.96 then 192 payments of £449.14) Interest Rate 18.39%
  4. Thanks Martin I'm going to give it my best shot. Hi dx, thanks for your help and, yes, I can try and scan it asap
  5. Yes I have read the sticky and I think i've worked it out right but just wanted to double check. I think my brain is fried from working out the unbelievable amount of all the other charges! Thank you for your help. I'm making a start on my WS now. Just going through a copy of Swifts WS to the court and they've been very sparing with the truth. Also, I really can't remember who the broker was but I will search for any more paperwork I can find.
  6. Hi, I've been working on the spreadsheets to reclaim the excessive/unfair charges but its taking a bit of time. I'm a bit unsure about the PPI element of my claim so wondered if you could help me. The loan had PPI of £3,800 added and agreement says we pay it over 36 months. Can you advise me how I calculate the interest on this please.
  7. Thank you, found it. I will try get it all done and post it up tomorrow. I really appreciate your help
  8. Thank you Martin, I think i've nearly completed the spreadsheets but its all a bit confusing, doesn't help that i'm on morphine for pain and my head is a bit fuzzy and confused! Its the WS that worries me more as I have no idea about that. I'll try finish the spreadsheets now.
  9. Hi Martin, Thank you so much for your reply. They, actually, have an Eviction Warrant but it has been suspended for a couple of weeks so we can try and pay the arrears before then. If I can gather enough evidence to show these astronomical/unfair charges and, hopefully, be able to reclaim some/all of them, I was hoping to apply for a hearing to suspend the warrant again on the grounds that the arrears Swift are claiming we owe are wrong. Swift don't want to give me any documents willingly, so I've had to fight for any documents I do get! I have managed to get a copy of the statements showing all the charges and a copy of the agreement. I SAR'd (and paid the £10 fee) them a couple of weeks ago but haven't had any acknowledgement or documents from them as yet.
  10. Hi, I have kept an eye on this forum for a while and, like so many others that have got mixed up with this bunch of lowlifes, I have been trying to stop them getting possession of our home. I haven't posted about this before because this situation is so embarrassing and, also, because I didn't know if Swift spy on these forums. Long story short, Swift have an Eviction Warrant but we managed to get it postponed for a couple of weeks before which, hopefully, we will be able to pay the arrears off. I've read up a lot on here over the past few weeks and followed other peoples threads and I am really hoping for some advice about excessive charges? I have used the Spreadsheets on here and believe Swift have added about £20,000 of charges (without the Interest) over the time we've had the loan and, also, the loan had £3000 of PPI added which I now believe we can claim back as we were led to believe we had to take it and it was not suitable for us. I think i've done the charges spreadsheet correctly but i'm not sure how I do the spreadsheet for the PPI. I think the PPI was supposed to be paid for the first 36 months and then the monthly payments went down. So, can someone tell me how I complete the spreadsheet for this please? This situation is so stressful and we don't know what to do anymore. My husband is so depressed over this and has practically given up but I don't intend to let these ******** take our home without fighting them all the way because they've done nothing the Courts have ordered them to do over the various hearings and, basically, just lie about everything. I would be so grateful if someone could help with with the PPI part of the charges and, possibly, just check over the Spreadsheets I've done for the other charges? I believe, if the excessive charges and PPI were refunded, then our arrears would be nowhere near what Swift say. I'm praying that, if I can work out how to do the spreadsheets, we may have a chance to get the Judge to grant us a hearing. Thank you in advance for any assistance you might be able to give us. x
  11. Thank you for your advice. I will try and telephone the court.
  12. Hi, I wonder if someone could give me some advice please. My son received a notice of intended prosecution approx 3 months ago for speeding near the Dartford Tunnel. He made that journey a couple of times week and I sometimes drive his car on the same journey and drop him off while I go to Lakeside or Bluewater Shopping Centres. We believed that I was the driver on that day and filled the form in accordingly but, after downloading my bank statements to check when I had brought something I wanted to return, I realised that I wasn't, actually, the driver on that day. I wrote to the Police and told them that I now believed I wasnt the driver. Last week my son then received a letter saying that, after looking at the photographic evidence, it was believed that the driver he had identified was the wrong gender according to the photo. I had already written and told them that we believed we had made a mistake. Now he has received a Court Summons for 29th October 2014. I am worried that he will be in trouble for, genuinely mistakenly, naming the wrong driver? Should I write to the court and send them a copy of my bank statement showing that I had been to Lakeside the day before and it was a genuine mistake?
  13. Hi, thanks so much for your reply. The discrepancy was in the amount of £210. My daughter spent an hour after closing trying to find this figure and discovered that a mistake had been made during the day and put this mistake right. The next morning she got another staff member to also check the figures and the other staff member also noticed that something had been put through twice and once this was rectified the figures tallied.She has not contacted the police as yet as she has been suspended while her employers investigated but she has told them that she will ask the police to investigate herself if her employer still accuses her after they have finished their investigation.There was no-one else there when her Area Manager suspended her.She has only been working there just over 10 months and her contract states says her hours of work are 40 per week, although her actual average hours over the past 16 weeks is 63 hours per week and those are the average hours a week she had been working since she started there.Her contract does say she may occasionally be required to work in another shop but now they had told her that she would be working as a Relief and will be travelling around to different shops on a daily basis.I know in hindsight that maybe she shouldn't have resigned but when she was suspended it was the last straw and she had had enough.
  14. Hi, I apologise for the length of this post but I wonder if anyone could give some advice in regards to a few employment problems my daughter has. My daughter works in a bookmakers and the problem started earlier this year when she was working on her own and had a problem with a customer who started getting very aggressive and was threatening to kill her and told her that she had better be careful when she left work later that evening, all because she had been unable to take his bet as it had not been placed in time. An hour later a friend of the man came in and told her it "wasn't a threat, it was a promise". Obviously to a young girl on her own she was extremely frightened by this and decided to notify the police and her Area Manager. A couple of days later the Area Manager telephoned her at work and told her that he wanted to cut the staff and told her that he thought that there should only be one person working at the shop at any time. My daughter disagreed with him and cited the problem a few days earlier with the customer and also that there are no CCTV cameras in the shop. She also advised him that the Police had said that they could not believe that there was only 1 person working in the shop with no security at all, especially as they had been informing all Bookmakers in the area that there had been a number of robberies from local bookmakers in the previous few weeks. She also said that she didn't think it was right that she was working 12.5 hour shifts with no breaks and not even being able to go to the toilet during her shifts. My daughter has been working an average of 62 hours a week and some weeks as much as 80 hours a week. Her Area Manager did not take to kindly at this and started shouting at her down the telephone that if she doesn't like it then she can leave. Since then it all went downhill with her Area Manager making it very clear that he didn't like my daughter and she believed he was trying to force her to resign. He would go into her shop on her days off and get the relief managers to go through everything trying to find a reason to sack her. He would never come into the shop when my daughter was there. A few weeks ago one of the relief managers rang my daughter and told her that the Area Manager had offered the relief my daughters job because he wanted rid of her. My daughter then rang the Area Manager and asked why he had offered her job to someone else without even discussing it with her. He told her he hadn't offered it to the relief. A few days later the relief again rang her and said the Area Manager had again asked her if she wanted the job and was waiting for a reply. Later that day my daughter was advised that her last day in her shop would be 10 days later and from then on she would be doing relief work at a shop 35 miles away. My daughter advised that he knew she doesn't drive and it would be extremely difficult for her to get to this other shop. After looking at a train timetable she noted that she would have to leave home at 6.40am to get to the shop for 9am, as the journey takes 1 1/2 hours and then it is a 5 mile walk from the station. As she has to work until 9.30pm she would have to get the 10.28pm train home which is a 2 hour journey and then walk home from the station which means she would not get home until approx 12.45am. She also said that she would not feel comfortable being a lone female travelling that late at night. She believed this was another case of trying to force her to resign by making her travel this far. Also, back at the beginning of September 2007 she was offered the job as Manager of her shop. She accepted the job and was told she would be on a 3 month trial after which time she would be paid Managers Pay Rate. Last month she realised that she was still being paid at Assistant Managers Rate. She queried this with the Pay Dept. and was told that she was being paid at the wrong rate and she should query it with her Admin Dept. On telephoning the Admin she was advised that the Area Manager had extended her trial period. This was never discussed with my daughter and she had not been informed that her trial period had been extended. So it appears that she has been on trial for 8 months so far! If, as agreed, she had been paid the Managers Rate after the 3 month trial period I calculate that on her average week that equates to 62 hours x £1.50 x 24 weeks = £2268. Surely they cannot keep her on trial for 8 months and not even tell her the trial period had been extended or had any kind of discussion regarding it. My daughter made a Formal Grievance 5 days ago and had been asked to attend a hearing on Monday. Two days ago she visited our G.P. as this situation had made her extremely depressed and was put on anti-depressants. Today she had gone to work as normal. When she got to work her Area Manager came in and suspended her for, what he called a "discrepancy" which he says happend about 3 weeks ago and basically implied that my daughter had profited for this discrepancy (theft). He also told her that her Grievance hearing had been cancelled. My daughter has not and would not ever steal. This was the final straw for her and she resigned and told him that if they were accusing her of theft then she would call the police herself and ask them to investigate this "supposed" theft. I would be extremely grateful for any advise you could give us regarding this matter. Thank you in advance.
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