Jump to content


  • Tweets

  • Posts

    • If that was the reason then that is good news. The whole reason that being able to charge £100 for breaching private car park rules is because the law Lords decided in a celebrated case that the rogues had a legitimate interest in keeping their car park spaces available for all motorists . {parking Eye v Beavis]. However when the business is closed then there is no legitimate interest in keeping spaces free so to charge £100 is a penalty. As such any Court would automatically throw out the case when the penalty charge is accepted.
    • gives them a feeling of grandeur. dx  
    • yep they can be a bit like the TV licencing lot. for 4yrs ive been getting a series of about 8-10 diff letters that just go round a loop. currently upto 61
    • thread tidied. new thread for the court claim is here  
    • new thread created for this claimform please post here now for anything to do with it now . pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’. Choose ‘Create sign in details’ to register for the first time. You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID. You should make a note of your memorable word, or password as these are not included in the email.  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .. get a CCA Request running to the claimant . https://www.consumeractiongroup.co.uk/topic/332502-cca-request-consumer-credit-act-1974-updated-january-2015/ .. Leave the £1 PO unsigned and uncrossed . get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . .use our other CPR letter if the claim is for an OD or Telecom Debt or Util debt]  https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ on BOTH type your name ONLY Do Not sign anything .do not ever use or give an email . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
        • Like
      • 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
        • Like
      • 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 4935 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 4935 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...