Swift Advances. Secured Loan Charges reclaim

[JHGlover]

this PDF should work

Scan0002.pdf

Edited November 29, 2009 by JHGlover

[Sparkie1723]

In my opinion this agreement is unenforceable, for so many reasons I cant count,

 

It is impossible to understant the manner in which payments have been calculated.....it is without doubt a multiple agreement partly regulated by the CCA 1974...therefore the interest rate on the PPI should be shown an an APR in any event and it is not.......if the PPI is taken out of the amount of credit by the misselling it would affect the whole agreement and would in my view be declared void.

My Advice

Get genuine good legal advice off a good consumer law lawyer

sparkie

[sunray001]

I agree sparkie,

 

but the problem is, where can I get one?

 

most are rubbish

 

regards

[Sparkie1723]

I agree sparkie,

 

but the problem is, where can I get one?

 

most are rubbish

 

regards

 

 

That IS the problem ...it even goes further than that ...because consumer law and regulations are still so very complex even a lot of Barristers fall short on the undestanding of it .....even the law lords get lost.....and interpret it wrong .....when the facts of the matter are ..........when it has to come down to interpretation they forget that its the interpretation that favours the consumer that must prevail............ even they take no notice of that.

 

sparkie

[JHGlover]

Sparki were you refering to my post

 

In my opinion this agreement is unenforceable, for so many reasons I cant count,

 

It is impossible to understant the manner in which payments have been calculated.....it is without doubt a multiple agreement partly regulated by the CCA 1974...therefore the interest rate on the PPI should be shown an an APR in any event and it is not.......if the PPI is taken out of the amount of credit by the misselling it would affect the whole agreement and would in my view be declared void.

My Advice

Get genuine good legal advice off a good consumer law lawyer

sparkie

[Sparkie1723]

Sparki were you refering to my post

 

In my opinion this agreement is unenforceable, for so many reasons I cant count,

 

It is impossible to understant the manner in which payments have been calculated.....it is without doubt a multiple agreement partly regulated by the CCA 1974...therefore the interest rate on the PPI should be shown an an APR in any event and it is not.......if the PPI is taken out of the amount of credit by the misselling it would affect the whole agreement and would in my view be declared void.

My Advice

Get genuine good legal advice off a good consumer law lawyer

sparkie

 

 

Yes I was Friend

 

Sorry forgot to address it for you.

 

apologies sparkie

 

By including the PPI in the total loan and due to the fact it is stated to be a non cancellable agreement.....it meant your parents were/are tied to another agreement that was a cancellable one,....... that aslo falls under the Unfair Terms in Consumer Credit Contracts and Unfair Relationship ........a good Barrister would get ALL your money back under this one I believe....worth looking into ..Swifts agreements can be broken.

 

sparkie

Edited November 29, 2009 by Sparkie1723

[JHGlover]

Thanks sparkie

 

can you or anyone else recomend a good barrister that i can contact to look into this case.

[Sparkie1723]

Thanks sparkie

 

can you or anyone else recomend a good barrister that i can contact to look into this case.

 

First I would try and locate a public access Barrister, one who takes cases on without going through a solicitor.there are quite a few.

 

 

What area do you live in?

 

sparkie

[JHGlover]

Sparkie, excuse my ignorance, but how would i find a public access barrister

[Sparkie1723]

Go to here..............There is also what is called pro bono Barristers ..ones that offer their services for free......in any event your parents could be eligble for legal aid assistance, because of their age

sparkie

 

Find A Barrister - Search - Barristers offering legal advice and services, find lawyers, public direct access barrister, law, law firm, compensation, solicitor, legal claim, litigation barrister.

[pkelly]

Can everyone find their Broker they signed up with? most likely not, what happens they can simply change their trading name, I know of one company who did so in order to get out of the PPI problem,

more about this lot later they are even worse off then Swifties, god pity them when the lads start into them,

[pkelly]

Talking about Barristers matie

I heard a rummor today of one who was Working and on his way home he took a tantram or tandam or whatever you call that thing, anyhow talk about the Wheels falling off your wagan lol:D

Edited November 29, 2009 by pkelly

[Sparkie1723]

Talking about Barristers matie

I heard a rummer today of one who was Working and on his way home he took a tantram or tandam or whatever you call that thing, anyhow talk about the Wheels falling off your wagan lol:D

 

 

Yep pkelly...... thats the one that amended a Swift witness statement..

This is what amend means

 

1.to alter, modify, rephrase, or add to or subtract from (a motion, bill, constitution, etc.) by formal procedure: 2.to change for the better; improve: to amend one's ways. 3.to remove or correct faults in; rectify.

 

BY amending that statement he bcame a joint witness in my view, Barrister or not....he altered it.

sparkie

[Sparkie1723]

Re Swift Advances v Ourselves

 

To

A copuple of further questions for Mr Mathew..........already sent ...but sparkle can copy it in the morning just in case

 

sparkie

 

 

Mr Mathew Payne

Swift Legal Services

 

Dear Mr Payne,

 

As you are aware Swift Advances Plc have re instated the possession proceedings against us, as both of us are aware that our account was transferred to Kestrel Loans No 1 Ltd, can you confirm before Wednesday close of business, that Swift Legal Services are also the appointed legal representatives of Kestrel Loans No 1 Ltd.

 

I will be asking this question in Court, it would be simpler and would save time if you could answer before hand, as am sure you will have deuced I do have a great many of such similar ones to ask, some that have not been mentioned as of yet.

 

Also could you supply me with the name of a senior representative of Kestrel Loans No 1 Ltd who can explain to the Court, all the relevant details of the transfer/sale of our loan to the Kestrel company involved, and from the point of view of that company.

 

I trust you will reply by return

 

Your sincerely

[Gallahad]

Hi Sparkie just a small point you have missed a d out of deduced

regards

G

[Sparkie1723]

Hi Sparkie just a small point you have missed a d out of deduced

regards

G

 

 

 

Ooooooooops.cheers mate................. too late its gone.................but if you spotted it and understood ....its possible Mr Payne will:)

 

sparkie

[pkelly]

Dont think he will worry about this LETTER he has more important ones to read this morning from Sparkie lol :D:D:D:D

eh sparkle

[Sparkie1723]

Dont think he will worry about this LETTER he has more important ones to read this morning from Sparkie lol :D:D:D:D

eh sparkle

 

 

That's right pkelly he will have the Court stamped Defence docs plus the supporting documents!!

[pkelly]

ah well must go auld matie looking forward to monday morning lol not like a lot of people cant wait to see how this all is goes down in headoffice

and so its good night from me

[Sparkie1723]

ah well must go auld matie looking forward to monday morning lol not like a lot of people cant wait to see how this all is goes down in headoffice

and so its good night from me

 

 

 

And its goodnight from HIM:-D

[Guest blackie]

Good morning Swifties, just had notification from the company that is monitoring Swift for me, that on the 30th October there was a change id Director / Secretary. Interesting........

[Smarterchick]

Good morning Swifties, just had notification from the company that is monitoring Swift for me, that on the 30th October there was a change id Director / Secretary. Interesting........

 

 

My little inside mole tells me Mr Rosenberg the Company Secretary has gone

Getting far too hot in the kitchen...

 

Just had another phone call - Barwick has taken over as Co.Sec..

Edited November 30, 2009 by Smarterchick

[Smarterchick]

Here's something peops might like to read about secret commissions House of Commons Hansard Debates for 16 Oct 2001 (pt 5)

 

I think the PM being refered to is TB, but this raises some interesting points over commission payments to agent/brokers.

[pkelly]

They were all learning the words we put up the other night for Johnny Be Goode, wonder why :grin::grin:

[pkelly]

I got a message for all of you to Desist from putting up any more posts until the staff and illegal teens have caught up with the last lot,

They are under pressure, I just heard another one has applied for a new job, lol