Jump to content


  • Tweets

  • Posts

    • So if I've understood correctly, you had a meeting with a company who employ PPM to manage their car park, but PPM gave you a ticket and the company refuse to get it cancelled.  Eh???!!! You are being somewhat secretive with the details and it would help us to give correct advice if you would be crystal clear about the story.  Who did you have the meeting with?  What is their address?  Why do you think it was them who called in PPM?  Were you informed about the matter of the permit by this company?  Etc.
    • What a disgraceful shirking of responsibility.  Par for the course though I'm afraid with Iceland. You could get nasty and send them a version of the below (you know the local area so change what needs to be changed). Unfortunately the people who are replying are having to comply with the company policy which is being foisted on them - which is not to cancel tickets. But you might as well send the mail and try.   Dear Cissy, thank you for today's mail. Of course you are "able" to cancel the charge, you simply contact Excel and tell them to cancel the charge. I will wait for exactly 24 hours and then contact the local newspaper XXXXX and the local radio station XXXXX about Iceland's disgraceful disability discrimination.  Nothing much happens in Gravesend so I'm sure both will be happy to do a piece which will generate terrible publicity for your store and drive away customers, which is exactly what you deserve. Yours, XXXXX 
    • You are absolutely right to be cautious. It would be helpful if you will be prepared to send me a private message containing details of the outlet and the address et cetera. It might help me to get things more into perspective. So I understand that you had a business selling your husband's photographs. You were unable to continue your direct involvement and so you made an arrangement with a manager who you trusted to carry on the business for you while you were recovering elsewhere in the country. Is this correct? This manager has possession of all the files of your husband's photographs. Is this correct? Do you have any copies of the files? You made a reference to having a Co-op. Does that mean that you are running a Co-op supermarket or groceries outlet? I don't quite understand here. In terms of the possibility of continuing the arrangement with this manager – my own view is that you need to bring the arrangement to an end and I don't see how you could trust them. As far as I can see you are asking about two issues. Making sure that the files in the manager's position are destroyed so that you regain control of the photographs. Obtaining some damages for the loss of revenue. How many photographs do you believe are in his possession? What you estimate is your loss of revenue so far – probably calculated on your average revenue over, say, the five years before you stopped your involvement in the business? You are talking here not only about a breach of contract. You are talking also about breach of copyright and frankly you're also talking about deliberate copyright infringement – which is a criminal offence. Also fraud. Additionally, if you begin the dispute with this person, I would say that they will probably leave immediately. Have you got somebody else to run the business or would that be the moment that the whole thing collapses? If it is the latter, then this is something else that you need to prepare – somebody to take over as seamlessly as possible   Also, do you know the address of this person – and do they own their own home or any other assets?  
    • Just as i thought (from above post) : i just hope this is not the normal customer service that say they cant do anything and that you have to appeal to excel parking 🙄 this is the response my friend has received today - totally ignoring the subject which was: 'victim of disability discrimination on the part of your agents' does anyone have any ideas to reply with please?     Thank you for your response.   I would like to apologise for the error in the previous email; our CEO, Tarsem Dhaliwal had received your email and tasked ourselves in the Executive Resolution Team with looking into this.   We have raised this with our internal property department who have more information on parking charges and any appeals, we can see that you had appealed the PCN with excel which was rejected, you then appealed the PCN with IAS which was also rejected.   Because of this, we would not be able to cancel or refund the charge.    I understand this may not be the outcome you had hoped for, I am sorry for any inconvenience caused.   Kind regards, Cissy
    • Officials at the Federal Reserve are expected to hold off on any interest rate cuts this month.View the full article
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Swift Advances. Secured Loan Charges reclaim


overdone
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4957 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

  • Replies 3.9k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

Link to post
Share on other sites

There is a CAG meet in Birmingham on 21st September. Hope Swiftys on CAG site can make it.

If you go then, you will be one month too late.

If my post helped you feel better, click my scales.

Link to post
Share on other sites

Morning all,

 

Just a short note to sorry - sorry but I'm in Sussex and it's too far for me. I wish everyone all the best though and hope it goes very well.

 

Sad that I can't be there.....:(

 

As always

 

 

Dougal

Link to post
Share on other sites

There is a CAG meet in Birmingham on 21st September. Hope Swiftys on CAG site can make it.

sorry but in N Ireland would love to have been there. if things are going the way they are though we might make it for a big party.

the revolution is getting bigger folks and all thanks to CAG

TIME THE WORKING MAN FOUGHT BACK

 

“The greatest revolution of our generation is the discovery that human beings, by changing the inner attitudes of their minds, can change the outer aspects of their lives”

  • Haha 1

pick up a penquin two systems for the price of one:?:

Link to post
Share on other sites

Hi,

I'm the same as pkelly, .... live in the land of the leprechauns.

Maybe we could start up the Emerald Isle Swift appreciation society.:)

 

........

 

 

I think you may get ' bogged ' down with responses :grin: ( sorry - tasteless!)

Link to post
Share on other sites

Good evening,

I agree it is time the working man fought back and reclaimed what is rightfully his that has been unlawfully taken from him!!

 

Great idea, web conferencing - must get out my Kodak Brownie.....:lol:

 

All the best to everyone as always

 

Dougal

Link to post
Share on other sites

Good evening,

I agree it is time the working man fought back and reclaimed what is rightfully his that has been unlawfully taken from him!!

 

Great idea, web conferencing - must get out my Kodak Brownie.....:lol:

 

All the best to everyone as always

 

Dougal

 

Blimey Dougal - kodak Brownie - that brings back memories! :D

Link to post
Share on other sites

Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

Link to post
Share on other sites

Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

 

Hi sweetjane

I specificly requested one in SAR.....still never got one.

 

sparkie

Link to post
Share on other sites

Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

Yes, I got one ages ago when I settled the loan selling my home. I had to ask them for it. Post 26, Page 2. Mind you, in the three and a half years of the mortgage, they never gave me an annual one.

Edited by overdone
add info

If my post helped you feel better, click my scales.

Link to post
Share on other sites

Hi, In Feb 2009 I took Swift to court and won a time order and today i went back and have won a temporary reduction in interest rates despite swift claiming all sorts of poverty.

I am considering revisiting court to recover charges they have piled on my account as my opinion is that if they had helped me in the firts place I wouldn't have incurred charges. To apply for a time order you must get a default letter which means missing two payments. Swift's contract seems geared to deter anyone from applying for a time order by applying these charges at the default letter point.

Wish me luck

Link to post
Share on other sites

Has anyone received a proper statement from Swift yet detailing all charges, interest and payments in one document? They have said we'll get one on the anniversary of the start of the loan. They are now obliged to send them out.

 

I think you refer to a record of payments ...which is completely different than a statement of account.....which is all we get.....we never get a statement of account

 

sparkie

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4957 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...