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Everything posted by pkelly

  1. "I AM AND STILL REMAIN CEO OF SWIFT" John boys reply to an email once
  2. I wonder if hes at Barclays with his old friend Tony, rummer has it hes loo attendant in a well known supermarket he is fully trained at this by now he has been up **** deep lately with other paperwork wonder if he will come on and use a stuttering laptop below the bed again BYE BYE JOHNNY, BYE BYE JOHNNY BE GOOD
  3. 100% Spot SPOT ON to be correct ,,, a great sum up of the sub prime [problem] yep webser brought all the tricks from Lehmans via Preferred, even the outdated computer system or systems lol as the case may be,,,
  4. Hi Spot where is John Boy webster now hes keeping a low profile, sparkle and co have no time to comment on this site now I see? Just spoke to the lads ifrom Belfast they are having a ball as usual, In fact they were watching the wee white ball over here and called down for a visit yesterday. We were laughing at all the craic that used to be on this with Sparkie and the guy below the bed with the stuttering laptop.. got a warning again from them to say noubt on this though, but had to have a wee peek today after they left lol oh Sparkie is glowing bigger and brighter by the way, the mans a star. and your right from what I hear they will have no one to put up any sort of fight between now and next Jan. and guess whos causing the most trouble... good old Sparkie lol ..
  5. http://www.do-business.net/Indexer/Company/Rent-A-Hand-Ltd any chance of someone popping around to rent a hand to see if Amanda is still about there No one has yet made sence of why this wee company is in with the big guys cant say what we found out otherwise big brother will bar me like sparkie
  6. sorry dont use this much am only able to access it via ipod at work and its not easy I am mostly out of the country email me anyone on
  7. http://www.accountancyage.com/aa/analysis/1938190/video-taxman-makes-arrests-offshore-evasion have a look at this the tax man had been contacted by a bright spark and they want all the stuff we have on our friends, this will take a while to put in order but they will without doubt act on all the information we are putting together. it will take them a while but I would not want to be a swiftie at the minute
  8. 1…APR% interest is not a requirement to be stated on unregulated Credit Agreements nor High Nett worth agreements 2…The nominal % rate of interest is not the same as APR% interest…..The APR can be worked out from the nominal rate if you wish to do so. When borrowers borrow money from Swift Advances plc, their Broker never corresponds or negotiates the " Deal" DIRECT with Swift Advances plc....It is all done via "Swift Advances" who were an unlicensed trading name of Swift Advances plc. In truth and fact " Swift Advances" were another intermediary between the borrower and Swift Advances plc, who have categorically stated that they do not deal direct with the public.....they do ( or did it) via "Swift Advances" ..........."Swift Advances" are therefore an intermediate broker. Unlicensed trading name/style being used to conduct Consumer Credit and Credit related business......result....Criminal Offence, Section 39 (2) of the Consumer Credit Act.......and a Misrepresentation of fact. If you have a First Mortgage it is Swift Advances that contact them during the antecedent negotiations, let your First Mortgage holder know that they conducted business with an unlicensed trading style , you will find they will not be "happy chappies" .....they could be drawn into the "mellee" so to speak
  9. wassnt me this time I seem to be able to get cross wires or a short circuit I see sparks every now and again lol it only takes one to start a forest fire. and you know what happens they the poor wee birdies fly off to another nest
  10. The electrician has just come off the phone with someone in the press who is going to locate the article/ story where, in an interview with Mr John Webster, it states quite clearly publicly and is recorded as saying “ Even though most of their agreements are unregulated "Swift’s" interest rate is calculated as an APR to assist the borrowers in knowing their interest rate (or words very similar to this). But in Court proceedings and letters to borrowers (“Swift Advances” letter heads remember ….unlicensed trading style) they say their interest rate is not an APR as unregulated agreements are not covered by the CCA Regulations. Conflicting Misrepresentation of facts then again what new........
  11. lol yep every day is a swift day lol read this, I am just off the phone to the godfather himself What the law says Protocol 1, Article 1: Protection of property Every natural or legal person is entitled to the peaceful enjoyment of his possessions. No one shall be deprived of his possessions except in the public interest and subject to the conditions provided for by law and by the general principles of international law. The preceding provisions shall not, however, in any way impair the right of the State to enforce such laws as it deems necessary to control the use of property in accordance with the general interest or to secure payment of taxes or other contributions or penalties. Example cases Howard v United Kingdom (1985) An authority sought to compulsorily acquire a house for housing redevelopment. The European Commission of Human Rights held that the question in such cases was whether the public authority had struck a fair balance between the rights of the individual property owners and the rights of the community, in any expropriation of property. A significant factor in any such balance will be the availability of compensation reflecting the value of the property expropriated. (Case summary provided by the British Institute of Human Rights)
  12. the money keeps them in wages after all it takes them years of paperwork and red tape messing about before they do anything, then its only a slap on the wrist. look up KPMG`S records in America, they got a slap on the wrist, and guess whos books they do ?? meanwhile good honest people have lost their homes to say the least others have lost their lives
  13. http://www.thefreelibrary.com/ORPHANED+..%26+NEARLY+HOMELESS%3B+Loan+firm+in+threat+to+sell+sisters'...-a0177662676 remember what these buzzards have done to hundreds of decent people over a few pounds. IF YOU TAKE ANY LOAN FROM THEM NO MATTER HOW LITTLE. IT IS ONLY A MATTER OF TIME BEFORE YOU LOSE YOUR HOUSE. if you get into dept that is. and it wont be hard to do this as they keep upping the payments every few months
  14. http://www.compliancy-services.co.uk/news/article/585/swift-investigated-by-fsa Mortgage lender The Swift Group is being investigated by the Financial Services Authority (FSA), it has been revealed. The firm, which is the parent company of Swift Advances, said in its annual accounts for the year ending March 31st 2010 that the FSA announced its intention to investigate in July last year over its handling of customers in arrears, reports mortgagestrategy.co.uk. Furthermore, it has identified an anomaly in its mortgage administration system over the calculation of the amount due by some customers for early settlement of their mortgage. This, it said, has led to customer detriment, likely to lead to large costs for the group. "As a result of the above the directors currently estimate that the group is likely to incur £9.4 million of costs, comprising £1.4 million in respect of costs already incurred and £8 million in respect of further costs that could be incurred, relating to legal and professional costs, a potential fine and costs implementing any redress programme," said the accounts report. It follows the recent news that the FSA has more than doubled the amount of fines it has handed out in 2010, compared to last year. Posted by Tony Miller
  15. http://www.mortgagestrategy.co.uk/fsa-probe-into-arrears-handling-could-leave-swift-with-%C2%A394m-bill/1024287.article Swift Advances is also being investigated by the Office of Fair Trading. I remember singing this song with sparkie not so long ago lol well the words were different but johnny ended up heading for the hills in it also lol
  16. http://www.missoldmortgageclaims.co.uk/news/2010/Dec/lenders-continue-to-face-fines-for-not-treating-customers-fairly-98409674.html Lenders continue to face fines for not Treating Customers Fairly Tue, 21 Dec 2010 Lenders continue to face fines from the Financial Services Authority (FSA) for not treating customers fairly when they are struggling to make mortgage payments and have been in arrears. Specialist and sub-prime lenders, Kensington Mortgage Company, GMAC-RFC, and Redstone Mortgages have all been fined by the FSA and, are now likely to be joined by Swift Advances who are being investigated for there treatment of customers in arrears . It has been reported that there are another five firms undergoing an FSA investigation for similar breaches. New rules introduced by the FSA this summer have made lenders more accountable in how they treat borrowers. Swift Advances, however, is reported to have breached regulations in 2009 and has also had its lending practices questioned. It has also been confirmed that a number of customers have suffered financial loss due to an "anomaly in its administration," this has resulted in higher charges for the early settlement or redeemed accounts. Swift Advances is regulated under the Consumer Credit Act (CCA) in respect of second charge lending, often referred to as loans, and Swift 1st is regulated by the FSA. The FSA refused to comment on the matter and it is not yet known if any action or fines will be imposed. Swift has confirmed that they are cooperating fully with the investigation and have made allowances for any redress and fines.
  17. http://www.cityam.com/news-and-analysis/fsa-probes-swift-mortgage-firm FSA probes Swift mortgage firm Tuesday, 21st December 2010 BANKING MORTGAGE company Swift Advances has been under investigation by City watchdog the FSA since July 2009, the firm revealed in recent accounts. The public company said the group is likely to incur £9.4m of costs linked to the probe into its handling of mortgage arrears and lending practices, including a potential fine. The Office of Fair Trading is also investigating the company under the Consumer Credit Act 1974. The lender, which deals with customers unable to secure credit elsewhere, turned over £128m in the year to 31 March, its accounts noted – £108m of which was used to repay debts and meet interest costs.
  18. http://www.mymortgageonline.net/33793/swift-investigated-by-fsa-over-arrears-handling/ Swift investigated by FSA over arrears handling Swift Advances has revealed that it has been investigated by the Financial Services Authority over its handling of customers in arrears
  19. http://www.mymortgageonline.net/33793/swift-investigated-by-fsa-over-arrears-handling/
  20. http://www.discountedrealestatemortgagenotes.com/swift-investigated-by-fsa-over-arrears-handling/ the more this is pasted over the net the more people will see their time is almost up Swift Advances has revealed that it has been investigated by the Financial Services Authority over its handling of customers in arrears. In its annual accounts for the year ending March 31 2010, the first and second charge mortgage lender says the group received formal notice of the FSA’s decision to commence an investigation into aspects of its arrears handling and lending practices on July 31 2009. It says the group is co-operating fully with the on-going investigation. Its accounts also show the group has identified an anomaly in its mortgage administration system in respect of the determination of the amount due by some customers for early settlement of their mortgage, which has resulted in customer detriment. The group says it has resolved to undertake a redress programme for those FSA regulated mortgage customers and unregulated mortgage customers affected. its accounts say: “As a result of the above the directors currently estimate that the group is likely to incur £9.4m of costs, comprising £1.4m in respect of costs already incurred and £8m in respect of further costs that could be incurred, relating to legal and professional costs, a potential fine and costs implementing any redress programme.” The Essex based lender filed its accounts on December 9 2010 and it is not known whether the FSA has taken any action against the lender or intends to. Swift Advances is also subject to a similar industry investigation being conducted by the Office of Fair Trading into the practices of lenders in the second charge mortgage market. Its accounts says it is also co-operating fully with this investigation. It accounts say: “On November 10 2010 the OFT advised that it is minded to impose requirements under section 33A of the Consumer Credit Act 1974 in relation to activities which are conducted under Swift Advances and Swift Securities Limited credit act licences.” Swift Advances is regulated under the Consumer Credit Act in respect of second charge lending and Swift 1st is regulated by the FSA.
  21. remember every legal team in the country read whats on this thread, its even mentioned in swifts directors report. just hang in there everyone they cannot last long now, their backers are not going to keep them afloat much longer, and Swift are looking for scapegoats, ie the web is closing in ??? keep the emails and letters going to the fsa oft ymca the red cross lol seriously they do all add up in the long run. off again now for a month or so must fly take it easy folks
  22. Arabian Ostrich, Tasmanian Emu, Lesser Rhea, Dalmatian Pelican, Dodo Raphus Cucullatus Swift are about to join the list and getting Sparkie banned from this site only annoyed him more long live the giver of light to us all
  23. Your right Letter lass sometimes it harder to say nothing, but xmas will come early over in Ireland thats all I can say. once the truth comes out in the courts it will be all over for swift, believe you me the only way Swift can win is try what they have been doing all along and STOP THE TRUTH getting in front of a judge. the truth always comes out, thats one thing we know is fact, I would rather be in the lads boots than swifts
  24. funny how swift tried to get a new licence the day after the statements the bouys handed in over in N Ireland now why would you try to fix something if it wernt broke in the first place
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