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    • Post #415 you said you were unable to sell it yourself. Earlier I believe you said there had been expressions of interest, but only if the buyer could acquire the freehold title. I wonder if the situation with the existing freeholders is such that the property is really unattractive, in ways possibly not obvious to someone who also has an interest in and acts for the freeholders.
    • i dont think the reason why the defendant lost the case means anything at all in that case. it was a classic judge lottery example.
    • Hello, I will try to outline everything clearly. I am a British citizen and I live in Luxembourg (I think this may be relevant for potential claims). I hired a car from Heathrow in March for a 3-day visit to family in the UK. I was "upgraded" to an EV (Polestar 2). I had a 250-mile journey to my family's address. Upon attempting to charge the vehicle, there was a red error message on the dashboard, saying "Charging error". I attempted to charge at roughly 10 different locations and got the same error message. Sometimes there was also an error message on the charging station screen. The Hertz 0800 assistance/breakdown number provided on the set of keys did not work with non-UK mobiles. I googled and found a bunch of other numbers, none of which were normal geographical ones, and none of which worked from my Luxembourg mobile. It was getting late and I was very short on charge. Also, there was no USB socket in the car, so my phone ran out of battery, so I was unable to look for further help online. It became clear that I would not reach my destination (rural Devon), so I had no choice but to find a roadside hotel in Exeter and then go to the nearest Hertz branch the following day on my remaining 10 miles of charge. Of course, as soon as the Hertz employee in Exeter plugged it into their own charger, the charging worked immediately. I have driven EVs before, I know how to charge them, and it definitely did not work at about 10 different chargers between London and Exeter. I took photos on each occasion. Luckily they had another vehicle available and transferred me onto it. It was an identical Polestar 2 to the original car. 2 minutes down the road, to test it, I went to a charger and it worked immediately. I also charged with zero issues at 2 other chargers before returning the vehicle. I think this shows that it was a charging fault with the first car and not my inability to do it properly. I wrote to Hertz, sending the hotel, dinner, breakfast and hotel parking receipt and asking for a refund of these expenses caused by the charging failure in the original car. They replied saying they "could not issue a refund" and they issued me with a voucher for 50 US dollars to use within the next year. Obviously I have no real proof that the charging didn't work. My guess is they will say that the photos don't prove that I was charging correctly, just that it shows an error message and a picture of a charger plugged into a car, without being able to see the detail. Could you advise whether I have a case to go further? I am not after a refund or compensation, I just want my £200 back that I had to spend on expenses. I think I have two possibilities (or maybe one - see below). It looks like the UK is still part of the European Consumer Centre scheme:  File a complaint with ECC Luxembourg | ECC-Net digital forms ECCWEBFORMS.EU   Would this be a good point to start from? Alternatively, the gov.uk money claims service. But the big caveat is you need a "postal address in the UK". In practice, do I have to have my primary residence in the UK, or can I use e.g. a family member's address, presumably just as an address for service, where they can forward me any relevant mail? Do they check that the claimant genuinely lives in the UK? "Postal address" is not the same as "Residence" - anyone can get a postal address in the UK without living there. But I don't want to cheat the system or have a claim denied because of it. TIA for any help!  
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    • 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.

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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
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Swift Advances. Secured Loan Charges reclaim


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Worried about Sparkie and what may be happening.

If any one knows some thing would they PM me ?

 

No need to worry about Sparkie, he doing just fine:)

An appeaser is one who feeds a crocodile, hoping it will eat him last. <br />

Winston Churchill

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  • 2 weeks later...
I'm sure he is, however it would be great if any news could be shared with the 'group' ?!!

 

Morning all,

 

Knowing Sparkie as I do, he will be quick to share with us any news!

 

I send him and everyone my warmest wishes

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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  • 2 weeks later...

I'm still around folks .......had some big trouble ...as well as not being too good......But want to post this

This is what the ICO Says about sales of debt and assignments.

 

This would meant that the entries by both the Swift companies are in breach of the Fourth Principle of the DPA.........they should be changed to the Kestrel Company that has bought your loan or had it assigned to .

Think abpout how you can all use this

This for Credit Reference Agecy records...Experian and Equifax

sparkie

 

 

54

When the debt is sold or assigned, the customer will no longer owe any money to the original lender. If the record is not removed, the sale or assignment should be recorded and the balance should be shown as zero. The customer should still be told who the debt has been sold or assigned to.

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A very good morning to you Sparkie,

 

Very sorry to hear that you have been (a) unwell and (b) had some problems, but it is extremely gratifying to see you are still in the battle!

 

I am sure you know my very best thoughts are with you always.

 

Kind regards to you and everyone

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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Warmest wishes for both a speedy recovery and an end to all your troubles with Swift Sparkie..........

 

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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Duplicate post removed!

Edited by landy_alert

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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Computer playing up..........post removed!

Edited by landy_alert
Computer playing up - triplicate post removed!!!

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 Sparkie

Good to see you on the thread and thanks for the info - very useful! As you know "Swift Advances" wrote to us saying "I have reviewed the contact noted on your account and can confirm there is no mention of Kestrel contained within it" - neat wording but hardly confirmation that the account wasn't sold, simply that a sale is not mentioned! I've pointed this out to the FSA and the FOS.

:D

SJx

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Hi All,

 

Firstly good to see Sparky back and I hope he is on the mend.

 

GOOD NEWS!!! Remember my previous posts regarding settlement figures and the Rule of 78? Well Swift were forced to stop using this in May and I have just got a revised figure and its dropped by nearly £4K.

 

I still have hardly made an impact on repaying what I owe - after 7 years I now owe about £700 less than I originally borrowed but at least its step and should be good news for anyone in a similar situation.

 

Just the silly interest rates to go now - OFT come on!!

 

m

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Hi Marky et al, do you think now is a good time to settle with so much going on in the regulation area? I have a feeling its worth waiting - that's if people are in the fortunate position of contemplating settlement. I don't mean you specifically Marky - I don't know whether you're thinking of settling or just curious about how much you owe in fantasy Swiftland. :)

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Hi Marky et al, do you think now is a good time to settle with so much going on in the regulation area? I have a feeling its worth waiting - that's if people are in the fortunate position of contemplating settlement. I don't mean you specifically Marky - I don't know whether you're thinking of settling or just curious about how much you owe in fantasy Swiftland. :)

 

Hi SJ

 

I honestly dont know what to do - part of me is saying remortgage and get these robbing b*stards out of my hair for good, but another part of me is saying that I have taken the hit now - I have 8 years left to pay and as we all know you pay more off the capital in the later years so I should really start to see the balance come down. Another part of me is saying hold fire - the OFT are going to make these bandits crash and burn soon. I just dont know is the honest answer.

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Having read everyone's notices about Swift I had a mortgage with them which I took out in April 2006. The amount of the mortgage was for £66,576.00 plus £4,460.00 for fees and £3,150.00 for insurance premiums that were added to the loan making the loan amount £74,186.00.

 

I fell into arrears with the mortgage and in or around April 2009 I brought the mortgage payments up to date and the amount which I paid included all charges.

 

I redeemed the mortage in August 2009 and they were looking £93,550.00 of me to settle the account.

 

I have recently took the opportunity having read through every one's complaints about them and I have written to them enclosing a schedule of payments. According to my calucations any monies which I paid towards the mortgage was never taken off.

 

I have written to them and have shown them how I have arrived at the figures and according to my calucations they have overcharged me by nearly £17,000.00. I have asked that I hear from them within the next seven days. I have also stated that if my calucations are wrong in any way to let me have a break down of how they arrived at the figure to redeem the mortgage. By the way it was a repayment mortgage and not an interest mortgage only. I will let you know how I get on. If in the meantime any one has any suggestions I would like to hear them.

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Hi Cas:)

 

Welcome to Cag!

 

Sorry to hear of yet another victim of that unscrupulous bunch Swift.

 

Apart from any other advice you may receive it would definitely be worth you sending off a Subject Access Request to Swift asking for all the information they hold on you (the data subject). There should be a suitable example in the templates library. You should amend this to include a request for the Underwriting Sheet (detailing any secret commissions that changed hands between themselves and the broker) and details of the Title Insurance premium - not that they are likely to comply with these latter two requests, but you never know!

 

Once you are in receipt of a full list of all the charges Swift applied to your account you can start the process of reclaiming them.

 

Also it is worth knowing that the PPI is defintely reclaimable - it was most likely mis-sold - as some of us Swift victims are now having success on that front. This would be reclaimed from the broker who arranged your mortgage and if they have since gone out of business don't despair as one of our number (sweetjane) has recently received a PPI refund via the FSCS (Financial Services Compensation Scheme) which pays out in such cases where a broker is no longer trading.

 

It would be a good idea to pop over to the PPI forum here on Cag and have a read of the 'stickies' which give masses of helpful pointers about reclaiming mis-sold PPI (and identifying whether it was indeed mis-sold of course!).

 

There is certainly plenty that can be done and many others who are a few steps further on who will be able to offer advice and guidance, although there will be lots of reading to do as there is a lot to take on board!

 

Good Luck and just shout if you need a hand with anything,

 

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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