Swift Advances. Secured Loan Charges reclaim

[Sparkie1723]

I have also got an e-mail letterfrom John Webster the CEO of Swift that Swift have a..."Panel of Brokers" this means that they have a list of Agents..............White said in Court that they only accept appications from Brokers.who are not their agents

Question .............why would Swift keep a panel list of Brokers????

 

Here we have the CEO of Swift dropping Mark White further in the MIRE.

 

In another e-mail from JOhn Webster AFTER White had stated under oath that Swift do not pay commission...........Mr Webster said they do.

 

Mark White is off to Prison I think!!!...................he can't claim he made a mistake as he has said the same in other courts

 

sparkie

[Sparkie1723]

Another point and submission I will be making to the Court if my argument is not accepted for “strike out”.

 

I will ask the Court to adjourn the application Hearing until after the Lads hearing In The High Court in N. Ireland, as their cases are so similar to mine…….the outcome of this hearing will have consequent bearing on my case.

 

I will ask the Court and claim that as a free man of this country I have the right to a fair hearing and a right to justice.

 

That cannot be achieved when the Court is told deliberate known false hoods by the witness of the other side and that these falsehoods will be proved or disproved in the High Court. Senior Management of Swift will be subpoenaed to N. Ireland to answer questions that they do not know what they are and will not until they are in the witness box.

 

But I can tell folks they are absolute belters

 

 

One of these questions will have a substantial impact on my case and that is ( whoever this senior person is )..I do not know for certain I think it may be the CEO himself along with another Director I will not name at present.

 

“They” will be asked, and reminded that they are under oath if in their position in the company, and the position of Mr Mark White Senior Risk manager, who in his statement of truth said he has worked for Swift for 15 years, and who has shares in Swift, that as it is clearly stated in their Company accounts signed by Mr Webster that millions of pounds were paid in commission to agents.

 

In their opinion and/or knowledge taking into consideration their position and Mr Whites position would he ? Did he know? that Swift paid this vast amount of commission, when he stood up in Court and denied that they do under oath?

Yes or No??

 

If they say YES ……which they will have to……because Mr White underwrites a great majority of these loans . …….. Mr White is in serious bother.

 

Furthermore Mr Falkowski would more likely than not have also known about it all……….He has been acting for Swift for a long time and if we can find out about all this …it was/is his duty to have found out about it.

 

I can also throw more than a little bit of doubt onto Mr Paynes ( solicitor)statement in his involvement in the intial application statement of truth signed by him.

 

 

PS ..........e-mail to Mr Falkowski has been read 4 times already

 

 

sparkie

[Sparkie1723]

This has gone to Swift

 

 

Swift Advances Plc V Ourselves

 

Claim No 8PB55992

 

 

 

Dear Sirs,

 

We are in receipt of notification that Swift Advances Plc will again attempt to possess our property, this will be defended even more fiercely than the previous one.

 

As the hearing is due to be heard on 3rd December 2009, as a courtesy I supply you with a copy of our Defence in these coming proceedings.

 

The Defence document is attached to this e-mail letter, it gives you enough time to respond to it.

 

The person who has been searching the Consumer Action Group Website from Arcadia House who has been known to all members for a considerable time will have already extracted most of what is contained in this Defence, not all because it was incomplete.

 

It is now complete and attached.

 

 

Yours sincerely

[Sparkie1723]

e-mail to Falkowski has been read 5 times now

[Sparkie1723]

Has anyone got a copy of Swifts Tariff of charges?

Just been right through their Court Bundle Docs from last application and there was none in it ...we never got one so if some one has them would like a copy so that I can compare them with Gmacs.............also never got a copy of that Fisa booklet either.

 

sparkie

[Sparkie1723]

JUst took this from theweb site below ...this bit is a laugh............At the rate Swift are going in N.Irelend alone they'll beat this total on their own...and what about the bit about interest rates...the more they fall the more Swift put them up...................all will be revealed in Court soon, I'm just a little bit more clued up than last time.........What you can learn in 12 months ???

 

"The CML also slashed its forecast for total repossessions for 2009 by a third to 48,000, due to a combination of low interest rates, Government schemes and lender forbearance helping people struggling with their mortgages to stay in their homes".

 

Government home reposession move - AOL Money

 

sparkie

Edited November 15, 2009 by Sparkie1723

[sweetjane]

I have a tariff of charges Sparkie - I'm just scanning it now. Will post asap.

SJ

[Sparkie1723]

I have a tariff of charges Sparkie - I'm just scanning it now. Will post asap.

SJ

 

 

You are such a sweetie:-D ..sweetjane.......I'm not creeping honest!!!!

 

thank you.

 

sparkie

[sweetjane]

Here you go. Let me know if there's a problem reading them.

sj

[Sparkie1723]

Here you go. Let me know if there's a problem reading them.

sj

 

 

 

 

Too small sweetjane can't read them ................sorry.

[Sparkie1723]

The last e-mail I sent to Damien Falkowski ...Swifts Barrister has now been read 7 Times .......by Hell these Barristers must work hard on a Sunday??

 

The lads from N. Irelnd are sending me another bit of info they are coming into possession of tomorrow to use in my Defence.........mind blowing from what they tell me............their Barrister has got even a bigger grin on his face.

 

sparkie

[sweetjane]

Sparkie

I'm emailing you.

Best SJ

[sunray001]

Hi Sparkie,

 

Any of this information I can use in my defence?

 

regards

 

sunray001

[Sparkie1723]

Hi Sparkie,

 

Any of this information I can use in my defence?

 

regards

 

sunray001

 

 

Use anything you think will help ...if you need a document to back it up let me know

sparkie

[Sparkie1723]

Even doing a very quick comparison on some of Swift Tariffs with Gmacs who were deemed extortionate by the FSA

Here are some of them

Gmac Arrears fee £50

Swift

First time £250

Second time £110

Plus every month after £ 70

Plus another monthly fee £30

Gmac

Redemption Fee £135

Swift

£250

Gmac

Part Equity Sale fee £100

Swift

£290

Gmac

Second Charge consent fee £25

Swift

£ 75

 

These are just a few if the FSA thought Gmacs were bad Let them have a look at Swifts

[Sparkie1723]

I think I've posted a lot on here over the weekend for "certain people" to have read of on Monday when they start work.

[Apollo18]

Sparkie you're a mine of information.....As for Swifts charges and interest rates!....I think they've been charging whatever they can get away with. I've had my loan for over seven years and the interest rate has only ever gone up:mad: Keep up the pressure and I'm sure they'll crack!

[Sparkie1723]

Sparkie you're a mine of information.....As for Swifts charges and interest rates!....I think they've been charging whatever they can get away with. I've had my loan for over seven years and the interest rate has only ever gone up:mad: Keep up the pressure and I'm sure they'll crack!

 

 

Hi Appollo,

 

I have one customers account showing over £9000 in charges in just over 3 years..they are just absolute robbing ...."Baskets"

[Sparkie1723]

As my last final shot at Swift for the moment I have just sent this to Mr Webster.

 

sparkie

 

 

 

Without Prejudice or Malice

 

Dear Mr Webster ,

 

You may or not know that Swift have applied for re instatement of possession proceedings, this is for application haring on 3rd December 2009

You will recall that I advised you and Mr White of what he said under oath that "Swift do not pay commission as such only a documentary fee of £ 100....I emphasise he said do not pay commission as such

 

He did not specify "on our agreement" in any shape or form of wording that can be construed in any other way than Swift does not pay commission.

 

After Mr White had stated this under oath..You informed me and admitted that from "time to time Swift do pay commission"....and then went onto say not on our agreement ( very subtle but not subtle enough I have evidence to the contrary)...... that "time to time" amounts to £19.2 Million pounds in your company's accounts.

 

He also said ( again under oath) that "Swift do not operate agencies", I have prima fascia evidence that Swift do operate agencies..and that they are given agency numbers by Swift Mr White knew this also, you yourself have hinted that you have agencies but have called them a "panel of brokers"

 

Mr White has told deliberate known lies in Court on more than one occasion ...and I can ...and will prove it in Court

 

I think it is in the best interests of Mr White that you begin coming clean on what is happening in your companies organisation before December 3rd .

 

I am no longer intimidated by Swift and their misconceived conception of monetary power.

 

Yours sincerely

[Sparkie1723]

E-mail to Mr Falkowski has now been read 17 times

 

sparkie

[Smarterchick]

 

I am no longer intimidated by Swift and their misconceived conception of monetary power.

 

Yours sincerely

 

 

Ermm? - Like you always were Sparkie :grin:

 

SC

[Sparkie1723]

I think I should write a book if it could get read as much as my e-mails

 

count is 18 readings so far.

 

sparkie

[Sparkie1723]

Another thing that everyone of Swifts customers can challenge under Section 140 the Unfair Relationship is not only their excessive charges ( as with Gmacs) the fact that they leave all their fees and charges “out of” their interest calculations for the actual agreement presentation on their unregulated agreements………………but they do include the charges in their interest calculation “outside the agreement”, the borrower is unaware of it unless they “find out about it”…….. most don’t ever find out about it because they have no idea where to find the calculators to do it for them, even when they do Swift use their position of power, and abuse it by not taking any notice of the borrowers protests.

 

Never mind the lads in N.Ireland have all this to put to the Court, and I most certainly will at our hearing

 

For example our agreement shows £43000 as the credit.

The interest rate at the start was 9.84%

Mark White stated in Court that this was the APR although he made a quick contradiction (un-noticed by me and the Judge at the time) that Swift are not obliged to state the APR. but they do show it as an APR to help the borrowers understand the interest rate.

 

But then they charge interest on those fees…this alters the APR ..and on our agreement should have been shown as 15.4% IF Mark White had been telling the truth

[Sparkie1723]

Blackie can you make room in your pM inbox or better still can I send you an E-mail?

 

sparkie

[Swift Eater]

Good Morning Sparkie,

May I make an obseration to you last post ?

Another thing that everyone of Swifts customers can challenge under Section 140 the Unfair Relationship

From personell expieance this has all ready been exploured by recomended solisitors of this site. The result was I was advised that the costs/charges would out wiegh what the potencial claim would be worth.

Are you sugessting doing this a different way ?

 

P.S. If there is a way to do this with out obsorbing high costs ( have repaid the loan now ) please PM me. I wold be more than happy to by you a drink/meal or something else to cover your time.

 

Regards

 

Swifteater.