Do you know I find it very frustrating when you people go off at tangents while I am trying to take all this seriously.... This is serious stuff and here you all are joking !! ?? SC

...and this is the reply you get when you complain about it: I had a call on the day Swift issued proceedings..... Data Protection Question Agreement Number xxxxxxx Further to your letter of xx/xx/xxxx I enclose a copy of the declaration signed by you which provides us with authority “to offer products, or services (including other loans) which we, or any other company we’ve given the information to, think may interest you’. I’m sorry that Olympian didn’t clearly set out to you the details of the business relationship we have with them. As Swift is not authorised to provide financial advice, where we feel our customers may benefit from discussing their finances with a qualified advisor, we pass their details to Olympian. Before our customers are contacted by Olympian, we make a courtesy telephone call to our customer to check they are happy for Olympian to contact them direct. If you did not receive this courtesy call from us, I apologise for this oversight. I have ‘flagged’ your account to ensure you are no longer ‘marketed’ to and apologise for the inconvenience and confusion caused. sincerely Richard Nettleingham Compliance Manager Direct Tel: 0345 0728979 Email: [email protected] They live on a different planet SC

I read a piece on here some time ago about a man who's life was totally engulfed and at the mercy of his bank - Natwest. His family was at breaking point - then he found the support, encouragement and hope from people battling on here....the power of people working together against these companies is a phenomenan and it is precisely that which these companies never dreamed would happen. Remember, these are people just like you and me, no matter what their title or wealth with wives, husbands, children, grandchildren, cats and dogs. The bigger they are, the harder they fall. They use their misguided jobs as some kind of right to be greater than you and me thinking they hold the moral high ground - WRONG!! They don't own you, they don't pay your bills, they don't feed your children, cut your grass or clean your windows - they are ordinary people and so long as you remember that you will fight them because it is YOU who has the moral high ground, not them. They will win against those who know know different and it is they who need our help...like any war there are casualties but we are bigger them and with all our minds working together we are greater than them...lest not they forget that. This is probably the first time in their history people have come together like this to fight them. The cowards have had an easy ride before as most decent people know they have run into trouble, put their hands up and surrendered not knowing what we all do..now we are talking to each other and comparing notes,[EDIT] Stick with it Blackie. SC

Things going on will benefit everyone I am sure. One thing that does concern me a little is quite what the staff there in Arcadia House are beginning to think between themselves. These account holders could be family of theirs and the actions being undertaken by members of staff are effectively having a consequence for some of them, that must be happening. And what of the consumer pressure coming their way, does this affect their mind sets?, work patterns?, stress? Families when they take their working day home? [EDIT] Sorry, I ramble. In my mind sometimes I am just thinking what some of the innocent people in Swift do just to protect the alleged rogues at the top...for what? :-| They'll ditch you as soon as you blink. SC

"However you have stated that the interest rate I disputed (10.3%) was in fact and in truth (as it is contained in your statement of truth as a rate calculated as an APR) (was what sparkie???)" However, you have stated that the interest rate I disputed (10.3%) was in fact and in truth..????? What...??? ...was A fact in truth? ... was a fact and in truth what the agreement loan interest rate was??? (as it is contained in your statement of truth a rate calculated as an APR???) I can't quite get my head around these statements Sparkie...maybe it's cos I'm from Telford and you are from Chester...maybe it's M54 speak...you being up there on the M56...?

Okay?

This needs clarification peeps, there is no s.140A in the CCA 74 Act that I can see - I'll go searching after supper maybe unless anyone else wants to dig? SC

Credit Today online Take heed Swift....

Good, so long as you are careful...I've been told the person sending these things out has been making rather a few faux pas like this...quite a number of 'interesting' documents seem to be finding their way miraculously to the same address...mmm? watch this space.... SC

I really admire you for not wishing to break laws Blackie, good for you...I can't imagine why that person I knew decided to do what they did in forwarding the letter on with all this CAG information........... SC

Be careful Blackie, what you should do is return it to Swift and state they sent it by mistake otherwise you could be as guilty as Swift under the DPA i believe. Someone I knew had a similar thing happen with Swift sending out a repossession document to them of someone else. What this individual did was to send it on annonymously to the people it was meant for but inadvertantly included details of CAG and these threads with the advice to go seek legal advice and catch up on events here. In addition people might like to know that according to my facebook friend the chairs on the deck on 'Swift Titanic' are beginning to slide about and groaning between staff has never been greater....few people getting out...wonder why? - must be all the rats on board!!

I think the point here is whether the loan company make it a condition that the clearing of any further advances already registered is part of their condition for supplying the loan. The solicitors are then instructed by the borrower out of ignorance...It's a fine line and will be interesting how Bradley Say and his arguments have been put to the court - being in Telford doesn't make it easy to attend these Appeals, (but I can keep an eye on RBS/NatWest Debt Management Centre ) SC

Whether or not the agreement she (Mrs Heath) had was a multiple agreement or not under s.18 CCA and therefore irredeemedly unenforceable as it was wrongly executed. She has the disadvantage of not having had the monies dispensed directly by the loan company (Southern Pacific) but by her solicitor who it is being suggested acted as her agent for the dispersal of the monies making the whole loan a single transaction and not the multiple agreement being argued. That's how Judge Purle saw it anyway. Those who have their monies sent directly by the new lender to pay off things like arrears to 1st mtgs, paying off other 2nd charge loans and then receiving the cash balance only have more of a chance of saying their loan should be a multiple agreement than Mrs Heath might. Also applies I believe if PPI has been added to the loan as that too should be a separate agreement. Heath v Southern Pacific Mortgage Ltd [2009] EWHC 103 (Ch) (29 January 2009)

The case was heard 12th and 13th October but the Judgement has not been handed down yet I don't think...shouldn't be too long.

Click on your name on the left and it will bring up your posts and thread links, you can find all your posts then... http://www.consumeractiongroup.co.uk/forum/swift-advances/212789-swift-advances-facts.html#post2336885 SC

What about a letter to the Lord chief Justice with a counter copy to Vince Cable and a number of others? HE needs to write to ALL judges stating exactly that these agreements are unlawful in the main and EVERY Swift loan should at least be stayed until they have had a chance to be checked over by a solicitor. This could be Corporate fraud if we are proved right. How many staff in Swift would allow their families to be treated like this? Keep coming forward Swift staff - this could be YOUR mother and father, sister, brother, aunt or uncle - This is NOT just a job - if you have any kind of conscience come forward and offer your support to us like a number of others already have, past and present. DO IT - before one of your own are forced unlawfully from their homes. SC

..and that's half the trouble, our kids get a headache with figures because they are not taught how to deal with money and the evil 'credit'..(not saying you are a kid DD) but all alisindebt is demonstrating is that using credit is like driving a car - you have to be trained and skilled at it not to fall victim to it and crash. Even the most experienced and astute get caught, it takes no prisoners - it's a killer. I suggest, as we are on the Agreements thread, we all go away and remind everyone, children, friends, neighbours to make use of the time given when taking out credit to get the agreement analysed and checked and also take advice to see if there might be better alternatives to what they might be considering. This has to start somewhere...make it start with YOU. One of the leading DCA's I know has a woman in senior management who gives her time to local schools to go and teach kids about credit and encourage the use of Credit Unions which is little known about in the community. It helps people locally with small amounts of credit when they need it - bit like the provident lady without the 175% interest . Go teach someone - we all can tell someone something of our experiences and maybe, just maybe we'll save one or two souls as a result. SC

Alisindebt, don't get frustrated by people who have differences of opinion. That's actually what makes this forum so good, if we all agreed with each other we wouldn't be tested as to how the other side think and EIE and Suetonious will bear testiment to that Lets now keep this thread to topic if we can and make sure we keep at the Agreements, there is still so much to learn. Thanks for the tips..we will overcome... SC

I'm helping a friend with considerable debt, cca'd all of the companies (10) not one come up with an agreement since August - they don't help their cause at all and I'd encourage people to request their agreements. Some might have moral issues about trying to test these companies and I've heard it numerous times, even from friends that all one is attempting to do is get out of our obligation to pay what we owe. But if someone came to take your house when they legally had no right to do so you have every right to challenge them. The banks and finance companies have no morals and would think nothing of dumping you, your kids, your family and your lives on the street, just visit your local court on repossession days where the lists are as long as your arm the judges have 3 minutes to hear each case and throw people out (I heard that from a sitting Judge) so if we can write debt off it puts us back to a position where we can rebuild and hopefully learn from the experience then come on forum like this and encourage others to fight these institutions. We (some fellow caggers) have a saying - "Keep it Simple" - get them to produce an agreement that's the first hurdle, a vast majority of agreements are not legally binding, just get them checked out and it all rolls on from there - no agreement - no debt - end of!

Thanks, just for your info, you have left your account numbers on these documents, blank them out if you would prefer swift not to know who you are. Also, the name on your photobucket opener.

How the heck could Webster, White and all other staff say it's not Libor and this person say it is only in July this year? Whats going on? I don't suppose you could post that letter up again with the date and sig on could you but just remove your name account details. This could be useful to so many who have to put up with their...erm??? What shall we call them??? Fibs????

Hi Swift Eater, I don't suppose you could date these documents and provide a name of who signed these letters or the department could you? PM if you prefer. SC

Don't be daft....keep posting we need all and every Swift account holder posting...this is not about emotion, this is about fact - however it's spelledt! SC

Well it's almost ground to a halt, not least because the broker network used by these people have in the main gone bust. Suffice to say, they will continue using banking loans themselves to finance new business as and when, but their costs have increased as a result of what has gone on in the banking world. There will always be a bank who will lend because greed drives money, that's why you see the banking world regaining their ground and there's always someone who will pick up a potential deal...I wouldn't be surprised if Swift didn't wind down altogether though and we'll just have to wait and see...they're shrewd cookies, but they need to be cleverer than they have been. What they don't realise is that once the consumers get together like we are on here the word spreads like wildfire. Our experience of infiltrating their rank and file staff who get fed up of the pressures imposed upon them, breeds unrest and whistleblowers who ultimately feel somewhat sympathetic to our cause because they will see the repossessions and think it could be one of their family going through this. The bosses will get only so much support before they start cracking at the seams. Loyalty is skin deep and we already know far more than they would have expected just 6 months ago. We have infiltrated, researched and got into their system and they are scrabbling for answers. Trouble is, they gave answers to peoples questions before and thought no-one else would see what they said - WRONG their lies, even in court under oath are conflicting ...we are gathering all the transcripts, costing us a bit, but worth it to compare their lies.....so there will be a few heads rolling before long you just wait and see. They think we are just a bunch of rogue debtors - and that is their big mistake. SC

Thing is Marky, you won't be paying for them. These 'bandits' as you refer to them as repossess claiming massive charges which will come from the sale of the property so they not only get their exhorbatant interest they also get massive costs as well, so you won't be paying - they get it two fold via your high interest rates as well. Whilst equally feeling sorry for those people on the repossession lists found every week in the courts who know no different, just feel what we can do on here by informing others who have had swift loans in the past suing Swift for repossessing using unenforcable agreements....i.e. using false documents to repossess when they had no right to....now if we can do that, then these people who have lost their homes will be seeking respite and damages...that will be a success and achievable if we work at it. Oh, and if anyone has any doubts as to what can be achieved, I personally have been involved in a group who have practically decimated the business of one company and cost them well over £15 million in one year alone. What had this business done wrong? -failed to abide by the consumer laws - that's all and tried to cover it up with bull s hit - sound familiar? - I just wish I was on a % tick tock Swift - tick tock.... SC