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Smarterchick

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About Smarterchick

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  1. Just one final thought cosytoes, if you are using a solicitor and he/she requests a full disclosure under the request for a detailed breakdown of their figures, ensure they make sure all the % rates and back-up documents to support any and all figures they have applied are supplied to your solicitor as they have a habit of supplying rounded off figures, no interest % rates and no supporting evidence as to what exactly the charges represent IN DETAIL - which is exactly what you want.. Do not be fooled into thinking they are correct and acceptable - they are not. If you do not understand ex
  2. Cosytoes, I don't know you so I don't know how much resolve you have to handle all of this, but you are now not alone and you will be supplied with information we need you to be able to handle. First things first - try not worry, take control over this and put yourself , if you can back into the driving seat. The ride might be bumpy, but you can pull through this if you can hold your nerve. Swift are not an easy customer to deal with as you have just established, but they are beatable and you can keep on top of them. Keep telling yourself that YOU are not the guilty one here and Swif
  3. You may need the court to make an order for disclosure by Swift of their charges and to quantify the figure they are demanding in settlement. There may be many items you were un aware of and there is also the European Court of Human Rights Article 8 ARTICLE 8 Everyone has the right to respect for his private and family life, his home and his correspondence. There shall be no interference by a public authority with the exercise of this right except such as is in accordance with the law and is necessary in a democratic society in the interests of national security, public safety o
  4. Cosytoes, demand a complete breakdown of the charges and a statement of account from Swift detailing the exact repossession figure claimed. Apply to the court and dispute the amount if you have to. Your solicitor seems to be on the right track, but get that statement and analyse it. Do you get statements from Swift 1st Ltd? Also, get the names of the people who attended the court and made the statements you quoted above, you should be able to ring the court and get the names of who represented them on the day from their receiption sign-in. This is important. Get a transcript of the hearin
  5. You're damned right A1. How many of us have lived in denial over one thing or another in our lives? Once the reality sets in then and only then do you get to the core of the problem. Swift are in denial and have been for years. They live by stealth taking people to court, repossessing them by throwing big time lawyers and barrister at us because they have the money to do it and get away with intimidation. If only they'd face reality and admit their errors like any other business then they may have protected those poor staff in Brentwood who they have and their families who rely upon them
  6. I wonder who'd be daft enough to take financial advice from Swift? You'd need a lie detector in your pocket. Actually, it would be against the broker anyway rather than Swift as they would claim they do not offer any advice (which is probably just as well given the lies they tell in normal life) to the account holder. So no fiduciary duty hangs on Swift. You'd be better to look into what they do and how they do it than trying that on as they'll wriggle out of it like a snake in jelly.
  7. It all began in September...There was no mention of Limitations, that's was peed me off. This was just company 'policy' ! I will go legal, I have no hesitation, but having spent the best part of two years in and out of court preparing documentation I would rather have been treated in a civil way and not put through all this - I have a life too lest they forget. - I get fed up of all this winning! LOL Why can't they just own up and pay up - they will in the end, but they use these intimidatory tactics to scare people off. I am actually getting a trifle miffed that these companies ac
  8. I wrote to Egg asing for PPI back because I was self employed at the time and they charged PPi on the card which I could never have claimed against. It's not a lot of money, but compounded at the 15% rate at the time it comes out at over £1000 going back to 2001/2. They wrote back saying it is egg policy not to repay if the claim is for money which is more than 6 yrs or more after the complaint. Policy or not it's my money. They are referring me to the FOS, but is there anyone here who has successfully claimed pre 6 yrs? This is not a Limitations issue as it's when you find out, not
  9. To be honest, I'm just going to write and ask them outright. They have answered my letter omitting the answer to this, so it seems logical to just write back and ask them directly - KIS - Keep it simple..LOL I could never make out exactly what they'd charged on their redemption statement, they are a bit confusing even for someone like me, so I'll get to the bottom of this with straight forward question/answers until they become evasive then I'll give em the 'treatment'! LOL SC
  10. This is the letter I received after asking about their charges and discharge of loan fees when I took out another loan which paid this one off: Following our acknowledgment letter of xx/xx/xxxx I can confirm I’ve now completed my investigation into your complaint. Thank you for your patience whilst I’ve been looking into this for you. I’m sorry to read you’re unhappy in regards to administration charges applied to your account. Please find enclosed a copy of your welcome letter which has ‘A Guide to our Fees’ enclosed. The Repayment Administration and Discharge Fee is an admi
  11. Joe, you posted a while back that you had a letter from Eastern Counselling...can you depersonalise it and post it up for us to see...? Ta.. Good advice from Sweet Jane - hang on in there if you can.. SC
  12. Sorry to jump in here...can someone tell me the difference between and expempt agreement (s.16 CCA) and an Unregulated agreement? More specifically, a £47,530 loan from a finance company, secured by 2nd charge taken out in June 2005. what would this loan agreement come under? I know it's unregulated, but is it an 'exempt' agreement? They are 2 distinctly different things I am told...anyone?
  13. Thank you. Bit of a read, but it is helpful in something else I am doing too...most useful and I thank you. SC
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