Jump to content


  • Tweets

  • Posts

    • Hearing took place today.  Case dismissed with costs awarded. Neither UKPC or a representative turned up.  Apparently they messaged the court on 7 May asking for their case to be considered on paper.  Never informed me, which was criticised by the judge as not following procedure.  I was really annoyed as I would have preferred for the case to be thrown out before the hearing, or at least face them in court and see them squeal.   They are just playing a numbers game and hope you blink 1st!   Ended up having to change my flight, but  the costs awarded softens the blow. Was asked to confirm it was my signature on both the witness statement and supplementary statement.  Wasn't asked to read them, said she could see my arguments made and the signs were insufficient and no contract formed. Took maybe 10 mins in total.  Judge did most of the talking and was best for me just to keep quiet or confirm any statements made. Happy to have won as a matter of principle and have costs awarded. Maybe not worth all the time and hassle for any newbies or the technologically challenged.  But if you are stubborn like me and willing to put in the time and effort, you can beat these vultures! I big shout out to everyone who helped on the thread with their advice and guidance, special mention to FTMDave, thank you sir!  Really appreciate everyone's efforts. All the best!
    • I plan to be honest to avoid any further trouble, tell them that the name should be changed to my official name
    • There is no evidence that I was issued a PCN that was placed on the car and removed. It seems that I was issued a £60 PCN on the 8th of March (the parking date) but it was never placed on my car, instead,  they allege that they posted the PCN on the 13th of March and deemed delivered on the 15th. I never got this 1st £60 PCN demand. I only know about all of this through the SAR. I only received the second PCN demanding £100, which was deemed delivered on 16/04/2024 - that is 39 days after the parking incident.  I did a little research and "Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations." as per London Councils Code of Practice on Civil Parking Enforcement.  The main issue is that I was not aware of the 1st £60 PCN as I didn't receive it - I'm not sure how this relates to the 28-day rule because that rule applies to the initial £60 PCN. PCM could say that "we sent him the letter by post and it was deemed delivered on the 15th of March" therefore the 28-day rule does not apply.  As regards the safety of the parking attendant, that is clearly something he chose to feel and he made the decision that his safety was threatened - I didn't even see him or had any interaction with him. I'm nearly 50 and I definitely don't look aggressive  I have also found this:  D.2 Service of a PCN by post: 54) There are some circumstances in which a PCN (under Regulation 10) may be served by post: 1) where the contravention has been detected on the basis of evidence from an approved device (approved devices may only be used in limited circumstances) 2) if the CEO has been prevented, for example by force, threats of force, obstruction or violence, from serving the PCN either by affixing it to the vehicle or by giving it to the person who appears to be in charge of that vehicle 3) if the CEO had started to issue the PCN but did not have enough time to finish or serve it before the vehicle was driven away and would otherwise have to write off or cancel the PCN 55) In any of these circumstances a PCN is served by post to the owner and also acts as the NtO. The Secretary of State recommends that postal PCNs should be sent within 14 days of the contravention. Legislation states that postal PCNs must be sent within 28 days, unless otherwise stated in the Regulations. This from London Councils Code of Practice on Civil Parking Enforcement.  The question is what is an approved device? Certainly, he had the opportunity to place the ticket on my car and I didn't drive away.  I looked further and it seems that an approved device is a CCTV camera - It seems that the photos taken were not actual film but images and it is not clear if they are taken from a video or are stills. I'm guessing if it was moving images then the SAR would have stated this.  From the Borough of Hounslow website: "There are two types of PCN issued under the Traffic Management Act 2004, which governs parking contraventions. The first is served on-street by a Civil Enforcement Officer, who will observe a vehicle and collect evidence before serving the PCN either by placing it in a plastic wallet under the windscreen wiper, or by handing it to the driver. The second is a PCN served by post, based on CCTV footage taken by an approved device, which has been reviewed by a trained CCTV Operator." From Legislation.gov.uk regarding approved devices: Approved Devices 4.  A device is an approved device for the purposes of these Regulations if it is of a type which has been certified by the Secretary of State as one which meets requirements specified in Schedule 1. SCHEDULE 1Specified requirements for approved devices 1.  The device must include a camera which is— (a)securely mounted on a vehicle, a building, a post or other structure, (b)mounted in such a position that vehicles in relation to which relevant road traffic contraventions are being committed can be surveyed by it, (c)connected by secure data links to a recording system, and (d)capable of producing in one or more pictures, a legible image or images of the vehicle in relation to which a relevant road traffic contravention was committed which show its registration mark and enough of its location to show the circumstances of the contravention. 2.  The device must include a recording system in which— (a)recordings are made automatically of the output from the camera or cameras surveying the vehicle and the place where a contravention is occurring, (b)there is used a secure and reliable recording method that records at a minimum rate of 5 frames per second, (c)each frame of all captured images is timed (in hours, minutes and seconds), dated and sequentially numbered automatically by means of a visual counter, and (d)where the device does not occupy a fixed location, it records the location from which it is being operated. 3.  The device and visual counter must— (a)be synchronised with a suitably independent national standard clock; and (b)be accurate within plus or minus 10 seconds over a 14-day period and re-synchronised to the suitably independent national standard clock at least once during that period. 4.  Where the device includes a facility to print a still image, that image when printed must be endorsed with the time and date when the frame was captured and its unique number. 5.  Where the device can record spoken words or other audio data simultaneously with visual images, the device must include a means of verifying that, in any recording produced by it, the sound track is correctly synchronised with the visual image. The rules state that "approved devices may only be used in limited circumstances"  I was not a threat. I was not present. I did not drive away. I think he has not fulfilled the necessary requirements justifying issuing me a PCN by post therefore the PCN was issued incorrectly and not valid.  What are your thoughts? I found that the parkin attended has a car with CCTV camera on it, however as I stated earlier, it seems that he did not take video of my car otherwise they would have stated so in the SAR. parking car .pdf
    • okay will do. I'll let you know if anything transpires but once again - many thanks
    • Personally I would strongly suggest not risking going there with debts. Very possible you wont get back out again. And I know many in that position. Not jailed just unable to leave. the stories of Interpol in other countries sounds far fetched but in and out of Dubai is not a good idea. only two weeks ago a mate got stopped albeit a govt debt.
  • 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

Swift Advances. Secured Loan Charges reclaim


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

Thread Locked

because no one has posted on it for the last 4930 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

HI sunray001,

 

I have your agreement, there are two major flaws in it

1...The heading o the top of the agreement MUST state that the loan is secured on...the name and adress of the property the loan is secured on and it must specifically state this, your agreement does not.

Consumer Credit Agreement Regulations ( Form and Content of agreements state that it cannot be referred to in another document, unless it is stated on the signed agreement.

 

2...Any loan agreement secured on property MUST carry the warning very prominently, before the signature Boxes words to this effect " Warning" ......"Your Home may be repossessed if you do not keep up the payments on a mortgage or any other loan secured on your property" or .......

 

"You run the risk of having your home repossessed if you do not keep up the payments under this loan or any other mortgage secured on your property.

 

Yours does not and therefore does not comply with the regulations relating to core terms as per the Consumer Credit Agreement Regs 2004 which came into force on 31st May 2005.

 

IMO you have a more than good chance of having your agreement declared void a better chance than many I have seen to date...if you are willing to fight them....and it will be a fight...... Swift are ruthless in their pursuit of property.

 

sparkie

Edited by Sparkie1723
Link to post
Share on other sites

  • Replies 3.9k
  • Created
  • Last Reply

Top Posters In This Topic

Top Posters In This Topic

Posted Images

Swift have apologised for sending me the letter saying they wouldn't consider repossession unless the arrears were at least 3 months !!

42 I and my OH have received second similar letter with threats and we are just a month in arrears. The charges are obscene. I am about to work on a response to them and avidly watching this thread.

Regards all SS.

Mac

 

There are 3 stages to a problem; the first is when some thing is derided; the second is when it is fought against; the third and final stage is when something is accepted as self-evident.

Link to post
Share on other sites

Hi Sparkie,

 

I'll give them a run for their money. Nothing to lose except money and my house.

I don't know if these forums are watched by swift, but if you can give me some kind of idea of my next move via email if you want. Any help writing letters would be greatly appreciated.

 

regards

 

sunray001

Link to post
Share on other sites

Hi Sparkie,

 

I'll give them a run for their money. Nothing to lose except money and my house.

I don't know if these forums are watched by swift, but if you can give me some kind of idea of my next move via email if you want. Any help writing letters would be greatly appreciated.

 

regards

 

sunray001

 

 

Will do.... no problem..... these threads are being watched not just by Swift but all Banks and credit card companies

sparkie

Link to post
Share on other sites

HI sunray001,

 

I have your agreement, there are two major flaws in it

1...The heading o the top of the agreement MUST state that the loan is secured on...the name and adress of the property the loan is secured on and it must specifically state this, your agreement does not.

Consumer Credit Agreement Regulations ( Form and Content of agreements state that it cannot be referred to in another document, unless it is stated on the signed agreement.

 

2...Any loan agreement secured on property MUST carry the warning very prominently, before the signature Boxes words to this effect " Warning" ......"Your Home may be repossessed if you do not keep up the payments on a mortgage or any other loan secured on your property" or .......

 

"You run the risk of having your home repossessed if you do not keep up the payments under this loan or any other mortgage secured on your property.

 

Yours does not and therefore does not comply with the regulations relating to core terms as per the Consumer Credit Agreement Regs 2004 which came into force on 31st May 2005.

 

IMO you have a more than good chance of having your agreement declared void a better chance than many I have seen to date...if you are willing to fight them....and it will be a fight...... Swift are ruthless in their pursuit of property.

 

sparkie

 

Hi Sparkie and all:)

 

Glad to see the fight against Swift is continuing and that more people are preparing to stand up to them!

 

Sorry to interject here, but Sparkie you know we were in a similar position with Swift trying to repossess our house a couple of years back (pre discovering Cag, unfortunately) and I believe a couple of months back I emailed you our agreement. I've just had another look at it and ours also has no mention of the two points you have suggested to Sunray that should be on the agreement.

 

I know in our case it's purely hypothetical now, but if as you say Sunray has a good chance of having their agreement declared void, what exactly would that mean in terms of one's position financially? I mean if the mortgage is a dud, but you have already had the benefit of borrowing the money, and using it, where would that leave you? I guess the repossession couldn't still go ahead, but you would surely still owe them the money you had borrowed? Would the lender be entitled to ask for it to be repaid immediately? Or would you get to keep it?

 

Sorry if that doesn't make much sense, but it's difficult to explain exactly what I mean, lol!

 

Good luck to all fellow Swift-haters!

 

Will update my thread as and when there is anything to report.

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Link to post
Share on other sites

HI landy alert,

The position would be that the agreement would be not only unenforceable but void.

There would be no agreement in place to repay the money in any manner.

The lender would be in the position of not being able to pursue the possession as it is linked to the agreement and would have to release the charge on the property and there would aalso be a strong possibility of any moneys paid under the unlawful agreement would have to be returned........ as they had been paid mistakenly..... if asked by the Court did you borrow the money answer ...I was led to believe I did .....but have now found out they have given it to me as there is no agreement to pay it back or how or when

 

Simply that is basically it.

 

They would have to find a way to pursue the alleged debt using common tort law, and that is not statute law.

 

 

 

sparkie

Link to post
Share on other sites

Hi Sparkie,

 

Thank you for explaining it for me. I know it's too late now, as we had to sell our beautiful house but it's just interesting to know how things might have turned out if I'd known about Cag back then - Mr Landy wouldn't have ended up taking an overdose of painkillers for one:(

 

Also, it would just be brilliant if this knowledge can help others like Sunray from having to endure what we did back then.

 

At least Mr Landy recovered and we are finally fighting back against these ****holes like Swift!

 

Thanks again,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Link to post
Share on other sites

Hi Sparkie,

 

Thank you for explaining it for me. I know it's too late now, as we had to sell our beautiful house but it's just interesting to know how things might have turned out if I'd known about Cag back then - Mr Landy wouldn't have ended up taking an overdose of painkillers for one:(

 

Also, it would just be brilliant if this knowledge can help others like Sunray from having to endure what we did back then.

 

At least Mr Landy recovered and we are finally fighting back against these ****holes like Swift!

 

Thanks again,

 

Landy x

 

HI Landy,

Sorry again for what happened, you and others like you who have suffered at the hands of these total inhuman low life is the reason I will continue to try and help people beat them at their own game using, bending, twisting, and breaking the law.......not us breaking it ....them

sparkie

Link to post
Share on other sites

Originally Posted by sunray001 viewpost.gif

Hi Sparkie,

 

Do you honestly think Swift will wait 6 months before starting repossession?

I will soon be able to let you know.

 

regards

 

sunray

-----------------------------------------------------------------

Hi People,

Just got a letter from swift saying they are going to start reposession proceedings within the next week if I don't cough up. I have missed 2 payments. Any one idea of my next move. Have been tied up recently with family ilness. Sparkie if you send me your email address I will send you a copy of my agreement?

 

regards

sunray001

have you had any other brokers offering you new better deals out of the blue???

do not put anything important on here use pm to myself or the likes of Sparkie, I know 100% this is monitored every day in fact.

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

Link to post
Share on other sites

HI Landy,

Sorry again for what happened, you and others like you who have suffered at the hands of these total inhuman low life is the reason I will continue to try and help people beat them at their own game using, bending, twisting, and breaking the law.......not us breaking it ....them

sparkie

 

 

Hi Sparkie,

 

Thank you - your help and support for all of us Swift victims is very much appreciated!

 

Regards,

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Link to post
Share on other sites

landy, what you have been put through beggars belief, but only too common with this company of sinners. You will be comforted to know I was standing close to someone very recently who is rather intimate with this bunch of sharks trying to 'sell' the person she was talking to on the merits that this company are " responsible lenders" they allow people to fall behind with their payments and then they are accused of being bullies ! :eek: and that's only because of the gov't pressure to ease off on repossessions.....I felt like grabbing her pony tail and dragging her off to Fred Flinstones cave and whacking her with a stone batton! Geezus, hand me the sick bowl :-x

Link to post
Share on other sites

Good evening all

 

Just sent my 31.16 request to Swift for the underwriting sheet, and all or any other documents which they have in their possession in relation to my account.

 

I'll keep you posted.........

 

Best wishes everyone

 

 

Dougal

Link to post
Share on other sites

Good evening all

 

Just sent my 31.16 request to Swift for the underwriting sheet, and all or any other documents which they have in their possession in relation to my account.

 

I'll keep you posted.........

 

Best wishes everyone

 

 

Dougal

 

HI Dougal

I hope you added to the letter if they do not comply with your request that you will make an application to the Court for an order to be made for them to comply.

 

sparkie;-)

Link to post
Share on other sites

Can you do me a favour Dougal can you check your agreement and the letter you received with your cheque from Swift and tell me if your agreement loan total contains all the fees and charges and shown as a total loan or have thy added these charges on Top of the loan?

 

thanks mate

 

sparkie

Link to post
Share on other sites

Good evening all

 

Just sent my 31.16 request to Swift for the underwriting sheet, and all or any other documents which they have in their possession in relation to my account.

 

I'll keep you posted.........

 

Best wishes everyone

 

 

Dougal

it will be 41 days mate if at all before you get a reply however

I should have a more recent copy of this for you by the start of next week,

my friend has been promised these documents in reg post on monday morning, seemingly they were already sent but somehow got lost.

they have been promised documents in relation to:

 

a copy of the underwriting papers to see if the interest rate is linked to LIBOR or the BOE,

so most likely its just their standard version and we shall see what its about, or will we?

am sure things will be all white soon hang in there folks;)

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

Link to post
Share on other sites

You did win that day Sparkie the judge was enlightened after all, just will take time mate

 

Court rules against lender in unenforceable case

 

On the 12th of March 2009 Judge Derek Halbert ruled that a lender had, by adding undisclosed interest to an administration charge, breached the Consumer Credit Act. In his ruling he concluded that the debt was unenforceable and that the agreement was an attempt to circumvent the provisions of the Consumer Credit ACT and that this should not be encouraged.

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

Link to post
Share on other sites

Firstly good evening all,

Secondly, many thanks sparkie - I did send the letter with the phrase non-compliance with this request will result in an application being made to the Court for your compliance.

 

Was that OK?

 

Thirdly, sparkie I would be VERY grateful if you could take a look at my agreement and letter that came with it. Would it be OK if I PM'd you with them?

 

I think I know what I'm doing...but sometimes I just need a LOT of help!! This is a very difficult situation in my particular case, and if you agree to a PM I'll be pleased to tell you why!!:cool:

 

In the meantime I am determined to deal with these charlatans....

 

Best wishes to everyone

 

 

Dougal

Link to post
Share on other sites

I had a very very interesting chat with a Detective Inspector of the XXXXXXXX Fraud and serious crimes unit today, a friend of mine who I hadn't seen for a while told me his son had just been promoted, he had been with the squad for 8yrs or so.

I had a good chat about Swift and the refusal of them to supply the Title Indemnity Insurance Document....he gave me some info about the New Fraud Act and its powers that will blow your mind as well as other slants on the issue.

I'll let folks know when I have taken it all in and arranged it properly, I wont post it but will P.M certain members if they so want.

Mind blowing despite what Swift say. The Criminal view is far different than civil view.

sparkie

Edited by Sparkie1723
Link to post
Share on other sites

Me too Sparkie;)

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

Link to post
Share on other sites

Hello everyone, I am really glad that people are fighting these pigs. I have been watching this forum and at the beginning have made an input into it.

I have a mortgage and a secured loan both with swift (more the fool me). I was told that they were the only ones that would take us on.

I am ringing them every month about my payments going down but as they say to everyone, their funding costs have not went down.

We are on Benefits( DLA, Income Support and Carers) and every penny is used to pay this mortgage so that we dont go into arrears as they would take great pleasure in having the house.

We are a family of 6 and are surviving on 120.00 per week because of these a*******.

Some people might say its my own fault for getting into this situation but, when we took this out we were told we could change our deal at the end of the term, what we were not told was that Swift would stop doing mortgages.

I am sorry for the rant but I have just spoken to them and they make me so angry. I wish everyone who have mortgages and loans with these sharks could get together and fight them.

Im from Northern ireland, and I would even go to the Mainland to fight, everyday, if I had to.

I would love to get one over on these people...well they arent people because you need a heart to be a person....

My agreements are up the left as well but I dont have a scanner to scan them through to anyone.

If anyone would like info on them, I am not afraid to state it over the board, just to see if I can do anything with them.

Sorry again for going off on one.

Many Thanks

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4930 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...