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    • Hi   Sorry I probably wasn't clear enough. He had lived in the flat until December 2022 with Dementia by this time it was unsafe for him to have capacity to live on his own and he had to move into a nursing home. We had left it too late to apply for power of attorney so approached a solicitor in March last year for Deputyship. We were still in the process of dealing with it by May 2024. He passed away a few weeks ago and the solicitor was contacted to halt the application and we will just pay the fees of what work he has done up until now. My wife was the named person on her dads bank account but we didn't have the ability to alter any direct debits hence the reasons for applying for Deputyship as we were having problems trying to stop some payments coming out of his account Eon being another difficult company. We kept his flat on from December 2022 - August 2023. it was at this point I contacted Sancutary housing to inform them he was no longer living in the flat, it had been cleared out and was ready for a new tenant and that he had Dementia and had moved into a nursing home December 2022 and explained the reasons why we kept it on. As the named person to speak on his behalf I asked them what proof they needed in order to give notice on the flat e.g proof of dementia and proof that he was living in a nursing home and anything else they wanted. The lady in the upstairs flat and some of the other residence in the street had asked about him and we had told them he had moved into a nursing home. The lady in the upstairs flat wanted his flat for medical reasons so asked us once we had given notice could be let her know and she'll ask them if she can have it. We explained the difficulties and it was left at that but I did tell her I would let her know once notice was given. I contacted the company by email a number of times and also telephone conversations and nobody followed it up and it wasn't till the end of February this year that the housing manager for the area wrote to our home address to ask about him that he had been to the flat a couple of times and nobody answered and he had asked some of the residence in the street and they hadn't seen him for sometime. There was an email address on the letter so I contacted him and copied in the last 2 emails I sent Sanctuary regarding me wanting to give notice on the flat for at least 9 months explaining that it went ignored as well as telephone calls. I also stated I wanted to have his rent payments returned from the date I wanted to give notice which was from August 2023 as the bank wouldn't let us stop the DD without POT or deputyship explaining we were in the process of Deputyship. He gave some excuse about not having POT to cancel on his behalf and spoke to someone in HR and said he would contact the nursing home to confirm he was there with Dementia and if it all checks out we can give notice on the flat which came to an end on the 22 March 2024. There was not mention of back payments for the rent already paid or the fact I had asked to give notice in August 2023. Despite someone living in the flat from 1st April they continue to take DD payments for the flat and have taken another 2 payments of £501. another concerning thing despite Eon not allowing us to cancel the DD to his account the lady upstairs informed Eon that she was moving into the flat February 2024 and Eon refunding the account to his bank and said in an email sorry you are leaving us and canceled his account. Something they wouldn't let us do but a stranger. She also changed her bank account to his address despite the fact notice hadn't been given on the flat yet. So we need to find out how much information Sanctuary actually had for her to tell her power company she was moving into the flat in February despite the housing manager only just getting in contact to find out where he was. So a complaint is going into Eon and Sanctuary and we are going to take advice and ask the bank to charge back the rent. My wife hasn't taken the death certificate to the bank yet to inform them of his passing.  
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    • hi lolerz many thanks for your reply and help. My 2 months has passed i was waiting until the court proceedings started. As i went through this process not that long ago, i shall look back at my old thread for how to respond. Ill get the docs scanned soon thanks.    
    • Dave, You're probably thinking along the same lines as me. The NTK says "The reason for issuing the charge notice is: Parking longer than allowed" From memory, I think one of their stupid rules is that if 'Bucks is closed, you're not allowed to park at all.
    • Yes, Nick is spot on. Also, can you remember if Starbucks was closed when you were there?  I ask as I'm trying to work out what MET reckon you did wrong.
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Swift Advances. Secured Loan Charges reclaim


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Trouble is will the FOS be able to investigate an unregulated agreement?

 

Ours was taken out in 2006 and settled in 2007.

 

I have a feeling the FOS won't be able to help with this:confused:

 

I've had an answer to my question from the FOS - they cannot investigate my complaint because it relates to an agreement signed prior to 6th April 2007, which is when the CCA came under their jurisdiction:(

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

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Hi Doc

I don't actually know is the honest answer. Perhaps someone with legal knowledge reading this would be able to advise?

My personal view is that if the OFT issue guidelines on a subject, they are there to be adhered to, otherwise there would be no point in their publishing them.

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Got an annual statement finally. As they say in attached info they have to send these now because of reforms to Consumer Credit Act. They also say they will "provide information going back to an earlier period then we would be happy to provide that for you, free of charge"!!! Yes "free of charge" - that must be a first for Swift. Not at all happy amout the closing balance of course - going up every year no suprise there with interest rate currently 13.24% . . . Passing all on to FOS for info.

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Hi Sweetjane

Hope you are OK. We are still waiting for our statement, I wrote them a letter spelling out in words of one syllable what I required, and that a statement of transactions wasn't it.

We have decided to go ahead with taking this further because their attitude is really winding me up. :-x It costs £299.00 but it will be worth it. Better still, if we don't have a case, we get our money back! Sounds good to me.

Has anyone else done anything about Swift yet?

Will keep you posted

Regards

Mallymoo

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Hi Doc2527!

It's a charge the company makes for their solicitor and forensic accountant to go through the consumer credit agreement with a fine toothcomb, and hopefully find fault with it. If they can't you get your money back. If you go onto the internet and type in "unfair relationships, it leads you to the companies who can deal with irritating companies like Swift. Some of them who don't take money up front will take 25% of "the winnings". With the one I've chosen, you pay £299.00 up front, and if the case goes ahead, they do nor make any further charges.

Regards

Mallymoo

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Hi Mallymoo!

 

Thanks for your reply,how would this work, as it appears to me, a lot of Swift customers have very similar worded agreements.

 

If your claims people discovered that forensically there are issues/problems with your agreement being unenforceable and it was taken to court for this and you won, would this mean that there would be a precedent set for the rest of us with similar agreements?

 

Or am I being too simplistic??:-|

 

Doc

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Hi Doc!

I don't actually know, but I'm going to give it a go, I just can't put up with Swift any longer. They are ripping their customers off, and not one of the "officiasl regulating bodies" seems to care, so I'm going to deal with them myself. I will report back once we've sent the papers in.

Regards

Mallymoo

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I really do wish we dop get justice. But from my expieance compnaies like swift can get away with what they like.

Custermers need to be warned about such organisations.

Over a five and a half year pierod I have repaid swift £86,890 for a £49,000 loan.

Still come on here awaiting what develops.

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Hi Swift Eater (what an appropriate name!)

Don't worry, it will happen one day, they cannot carry on ripping their customers off like they do. Unfortunately for Swift, they picked on the wrong person when they picked on me because I intend to do everything in my power to stop these greedy vultures stealing, because that's what it amounts to, from people who have at some stage had some bad luck financially.

I am seeing our local MP on Friday, and intend to push her on doing something about Swift, as I have already written to her on the subject several times.

Regards

Mallymoo

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Hi Swifteater

 

Good to see you back on the forum!

 

How did you get on with the FLA regarding your complaint?

What did they say?

Could you pop up on here what you sent to them as I might write to them also, a form of words from another who has been there is always helpful, no point in re inventing the wheel?

 

I'd like to see what Swift sent you regarding the breakdown of charges if you're paying them back early, I'd like to see how it compares to my settlement figures:idea:

 

Regards

 

Doc

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Hi Swifteater

I tried the FLA and they weren't interested either. You can fill the complaint form in on line by going to their site, but you will be wasting your time because they will tell you they can't do anything about Swift.

I also complained to the Office of Fair Trading, who though they took details of my complaint, weren't particularly interested either as they cannot deal with individual cases. I did get the feeling, however, that they were already aware of Swift Advances.

Good, isn't it? I really don't know why these "regulators" exist.

Regards

Mallymoo

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Hi Mallymoo:)

 

Sorry to hear you had no joy with the FLA - I was about to try them also, but it's obviously not worth bothering from what you have said. Our agreement was for over £50k and was settled when we sold our house a while ago. I previously contacted the FOS but because this agreement dates from prior to 6th April 2007 and consumer credit was not under their jurisdiction at that time they cannot investigate either.

 

Did the FLA give their reasons for why they cannot do anything about Swift if you don't mind me asking?

 

Like yourself, I am not going to be defeated by this setback and still intend to fight tooth and claw to get our money back:-x

 

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

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Hi Doc & Mallymoo

 

I will post the breakdown figures here when I get the chance, will be in the next few days or the weekend.

 

FLA and OFT are not bothered, swift did respond to FLA with similar quotes that they have said before and FLA simply believes what ever swift tells them.

 

Was a waste of time with a useless out come.

 

Indeed one day justice will be served, however swift are very cleaver and will winedown the opperation so that no one recieves compnasation.

 

Evil Ba*****s

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Hi Landy x

Yes, they passed the buck by telling me to contact the Financial Ombudsman who also told me they couldn't help me. It's just a farce. As I've said previously, I am going to see my local MP on Friday to find out why none of these alleged regulatory bodies can help you when you have a problem with a company like Swift. Will post what she says on Friday night.

Don't give up!.

Regards

Mallymoo

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Hi Swifteater

When you are a limited company it is possible to close the business down whenever you wish, but I think there may be a legal issue if you do it because you know you owe people money.

Can anyone with legal knowledge comment on this please

Thanks

Mallymoo

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Hi Landy x

Yes, they passed the buck by telling me to contact the Financial Ombudsman who also told me they couldn't help me. It's just a farce. As I've said previously, I am going to see my local MP on Friday to find out why none of these alleged regulatory bodies can help you when you have a problem with a company like Swift. Will post what she says on Friday night.

Don't give up!.

Regards

Mallymoo

 

Hi Mallymoo:)

 

I agree, it's absolutely unfair that there is no-one prepared or able to assist us with this fight against Swift. I do hope you have some success with your MP!

 

I won't give up and fully intend to take Swift to court over this - there's no way they are going to get away with what they have done!

 

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

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Share on other sites

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