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    • Hi T911 and welcome to CAG. As you say, an interesting screw up. So much for quality control! Anyway, our regular advice is to ignore all of their increasingly threatening missives... UNLESS you get a letter of claim, then come back here and we'll help you write a "snotty letter" to help them decide whether to take it any further with their stoopid pics. If you get mail you're unsure of, just upload it for the team to have a look.
    • Thanks @lolerzthat's an extremely helpful post. There is no mention of a permit scheme in the lease and likewise, no variation was made to bring this system in. I recall seeing something like a quiet enjoyment clause, but will need to re-read it and confirm. VERY interesting point on the 1987 Act. There hasn't been an AGM in years and I've tried to get one to start to no avail. However, I'll aim to find out more about how the PPC was brought in and revert. Can I test with you and others on the logic of not parking for a few months? I'm ready to fight OPS, so if they go nuclear on me then surely it doesn't matter? I assume that I will keep getting PCNs as long as I live here, so it doesn't make sense for me to change the way that I park?  Unless... You are suggesting that having 5 or so outstanding PCNs, will negatively affect any court case e.g. through bad optics? Or are we trying to force their hand to go to court with only 2 outstanding PCNs?
    • That is so very tempting.   They are doing my annual review as we speak and I'm waiting for their response once I have it I will consider my next steps.    The debt camel website mentioned above is amzing and helping to. Education me alot    
    • Sending you a big hug. I’m sorry your going through this. The letters they send sound aweful, and the waiting game for them to stop. But these guys seem so knowledgable and these letters should stop. Hang in there, and keep in touch. Don’t feel alone 
    • In my time I've never seen a payout/commission from a PPC to a landlord/MA. Normally the installation of all the cameras/payment of warden patrols etc is free but PPCs keep 100% of the ticket revenue. Not saying it doesn't happen mind. I've done some more digging on this: Remember, what your lease doesn't say is just as important as what it does say. If your lease doesn't mention a parking scheme/employment of a PPC/Paying PCNs etc you're under no legal obligation to play along to the PPC's or the MA's "Terms and conditions". I highly doubt your lease had a variation in place to bring in this permit system. Your lease will likely have a "quiet enjoyment" clause for your demised space and the common areas and having to fight a PPC/MA just to park would breach that. Your lease has supremacy of contract, but I do agree it's worth keeping cool and not parking there (and hence getting PCNs) for a couple months just so that the PPC doesn't get blinded by greed and go nuclear on you if you have 4 or 5 PCNs outstanding. At your next AGM, bring it up that the parking controls need to be removed and mention the legal reasons why. One reason is that under S37(5b) Landlord and Tenant Act 1987,  more than 75% of leaseholders and/or the landlord would have needed to agree, and less than 10% opposed, for the variation to take place. I highly doubt a ballot even happened before the PPC was bought in so OPS even being there is unlawful, breaching the terms of your lease. In this legal sense,  the communal vote of the "directors" of the freehold company would have counted for ONE vote of however many flats there are (leases/tenants) + 1 (landlord). It's going to be interesting to see where this goes.  
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Swift Advances. Secured Loan Charges reclaim


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I sent this to Mr Strickley......so far he has not responded...I'll be taking this letter with me tomorrow if he doesnt. May be he will maybe he won't

 

sparkie

 

 

Dear Mr Strickley

 

Further to our telephone conversation of an hour so ago, would you kindly fulfil your promise that you will confirm in writing by return of E-mail, the following;

 

1...That you refuse to supply a copy of our account that is being processed by Kestrel Loans No 1 Ltd following the transfer of that account to Kestrel Loans No1 Ltd on 18th April 2007.

 

2...That you still refuse to supply a copy of The Title Indemnity Insurance Policy for which we paid for by way of compulsory payment.

 

3...That you still refuse to supply a copy of our case summary documents.

 

4... That you still refuse to supply copy of the underwriting sheet appertaining to our loan transaction.

 

5...That you still refuse to supply a copy of the letter written by Swift to all brokers on completion of the loan containing all the information surrounding the transaction including our names address’s and other personal and financial information.

 

I will submit that continually with holding and concealing of documents that we are legally entitled to have sight of is an offence under the New Fraud Act 2006 section 3, by using your position to conceal them is an offence under section 2 of the same afore said Act, as well as a breach of the Sixth Principle of the Data Protection Act 1998, failing to comply with a Subject Data Access Request, which as you are aware I made.

 

With regard to Kestrel Loans NO 1 Ltd obtaining our account without a data controllers licence is also a criminal offence under that afore Act ( the Data Protection Act 1998 ) failure to notify of processing data. Processing under the Act also means “the obtaining of data”

 

Two final questions can you confirm if Swift Legal Services are also the legally appointed representatives of Kestrel Loans No 1 Ltd

 

Will you state clearly as to if you are replying in your capacity as a Swift Advances employee or, a Kestrel Loans No 1 Ltd employee or as the case may be, both.

 

Please ensure that you reply before end of day Wednesday 2nd November 2009 as I require your response to present to the Court at 10.30 am Thursday 3rd November.

 

 

Yours sincerely

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Sparkie,

 

Before I forget, just want to wish you the very best of luck for tomorrow. We'll all be thinking of you! Well most of us that is;):cool:

 

Thanks Apollo and everyone else for all their kind thoughts and wishes, and for all your support.

sparkie

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Good luck young man and make sure that leprecaun doesn't keep you up half the night :D you need your beauty sleep tonight just in case MW turns up with his nervous twitch! :p (Falkowski that is! :D )

 

Thanks S/M/C.............He has to turn up he has made a statement of truth on which I can question him including his FIRST one.

 

sparkie

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Good Luck Sparkie - will be thinking of you tomorrow:)

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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All that Swift are relying on tomorrow is a brief witness statement from Mark White and this

 

The copy of the Charge register with the Land registry on our property.

 

This the genuine first and foremost legal document

 

Note the Charge by Abbey.......It states what that charge is for ...........monies. and further advances .........................

( should we apply for them) Didn't know this at the time otherwise we would never have gone to Swift

 

 

BUT ....LOOK at the charge entry by Swift.

 

Question what is it for .....a PACKET OF CRISPS........ OR FISH AND CHIPS?? or What ...NO mention of any money.

 

Big last minute problems for Swift...............the lads in N.Ireland say theirs states the amount of money they borrowed.

Ours doesn't.

 

In any event Kestrel No 1 redeemed the money side of the deal when Swift sold our loan to them.

 

So what have Swift got a charge on our property for they been paid by Kestrel No1????

 

sparkie

 

 

ChargeRegisterLandRegistry.jpg

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Do you just apply to the land registry sparkie for that

 

Yes Daz............but if you have had proceedings issued against you a copy will be in their claim bundle..........everyone check it out PLEASE for your own good....It could be the biggest weapon you have got yet.

 

sparkie

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Hi All,

 

I have been following this with interest and may soon have to join in the swift-bashing but dealing with other gremlins at the moment. This would be entertaining were it not really about how these g***balls are ruining people's lives.

 

Sparkie - goodluck on the morrow!! Go get them!!!

 

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