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    • OK.  All of us here have made mistakes in legal dispute - the important thing is to learn from the mistakes and get it right the next time.  So for future reference - 1.  Not a good idea to ignore a Letter of Claim.  The PPCs are on the look out for people who don't reply, as they think there is a good chance that the person won't reply to the claim form either, gifting them an easy default win. 2.  Not a good idea to fail to send a CPR request.  As they usually don't reply this gives you a chance to wallop them in your WS for not producing the correct legal permissions. 3.  Not a good idea to play your cards so early in your defence.  They will know how you mean to defend and will prepare accordingly to rubbish your arguments. Anyway, spilt milk and all that ... So what arguments do you plan to put in your WS?  You can't say "a bloke told me I could park there" as your opponent will just ridicule you for believing a load of baloney and not bothering to read the car park signage. I see you have questioned their right to bring claims under their own name (defence point 1) which is a start - but unfortunately you can't show them up for refusing to show their contract with the landowner following a CPR request. Who is this mysterious owner of the car park then who gave the permission and can they be involved? Your arguments about POFA (4) will fail as you've outed yourself as being the driver in your defence (3). You question their signage (17, 20).  Good.  Have you got photos of the rubbish signage? I'm afraid you don't seem to have real defence arguments that will stand up in court. dx is right - let's see the original PCN and any correspondence with UKPC.  
    • Thank you HB, I’ll speak to them. 
    • You need to speak to the student welfare people. They aren't the people who decide if you stay or not, they should be there for students. HB
    • I’m worried that if uni will expel me after knowing the shoplifting thing. I feel shameful about what I’ve done and I was kind of out of mind when I need money to survive. I will never do this again. 
    • There won't be any more amendments but please do upload The final version because other people who need similar help might find some of the contents useful
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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.

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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.

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      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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Determindator

 

Would that be one for an unfair relationship, after all who else is going to tell us what we owe them?

I've never come across any other finance company ask to be paid to tell you what to pay them????

We pay them more money for them to tell us what we have to pay them to settle , seems insane to me!! Yet another money making scheme!!

 

Perhaps if they gave us all proper statements of what has been paid to them that might give us a better idea?? (Did I not read somewhere all financial organisations must give you annual statements of account???)

 

They wouldnt be breaking the law would they, if they dont comply, would they???

 

Doc:smile:

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Hi All,

 

Very well put Doc.....An unfair relationship without a doubt!

 

Does anyone know when the OFT will be publishing the findings of their investigation into a number of second charge lenders?????

Only they've been stating it'll be in a few months time for quite a while now!

 

Apollo18

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Thank you Doc and Pk for your info, it amazes me what keeps cropping up to their detriment. You are right PK it is the same as all unregulated agreements, because they can. I must brush up on the Magna Carta! It is entrapment and I believe this is the right word as you are lured into an agreement by their representatives with promises of how easy it will be to repay the loan not explaining to you the extortionate interest you will pay to escape. You are therefore trapped. This is clever using brokers as Swift can exonerate themselves from the responsibility of the sale of the loan. This is not conducive to the economy as you have the money in the wrong hands. Lots of people not able to escape from an agreement. Prisoners.

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Is it usual to be charged for a redemption figure? Swift charge £25. I expect it must be the time it takes to calculate this request because of their lowsy accounting system .These days you push a button and a figure appears so what do they have to do to justify £25?

 

If you ask for a transaction history and staff intervention history you will see it takes approximately 2 mnutes to produce a redemtion figure. In court, the Judge asked for evidence...it was given to hima nd he then asked Swift to JUSTIFY the charge in for the next hearing...there wasnt another hearing because an agreement was secured btween the 2 parties.

 

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Your right Letter lass sometimes it harder to say nothing, but xmas will come early over in Ireland thats all I can say. once the truth comes out in the courts it will be all over for swift, believe you me the only way Swift can win is try what they have been doing all along and STOP THE TRUTH getting in front of a judge.

the truth always comes out, thats one thing we know is fact, I would rather be in the lads boots than swifts :violin:

pick up a penquin two systems for the price of one:?:

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Your right Letter lass sometimes it harder to say nothing, but xmas will come early over in Ireland thats all I can say. once the truth comes out in the courts it will be all over for swift, believe you me the only way Swift can win is try what they have been doing all along and STOP THE TRUTH getting in front of a judge.

the truth always comes out, thats one thing we know is fact, I would rather be in the lads boots than swifts :violin:

 

Hi PK

 

Tell the lads I will have a pint of Guiness and raise my glass when its over.....Cant think of a better xmas present than to see Swift fall. The truth will come out in court this time.......THEY WONT KEEP SPARKIE SHUT UP OR BOUGHT OFF.......If I was Swift I would fly away now.....Sparkie has been amazing, I have told him if he was paid for the man hours he has put in he would be a milionare!!

 

"pick up a penquin two systems for the price of one" Like it PK so true

 

Hi FF

Its Swift that will need luck this time but it has already ran out!!

 

LL:whoo:

Edited by lesterlass
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Your right Letter lass sometimes it harder to say nothing, but xmas will come early over in Ireland thats all I can say. once the truth comes out in the courts it will be all over for swift, believe you me the only way Swift can win is try what they have been doing all along and STOP THE TRUTH getting in front of a judge.

the truth always comes out, thats one thing we know is fact, I would rather be in the lads boots than swifts :violin:

 

Hi PK

 

Tell the lads I will have a pint of Guiness and raise my glass when its over.....Cant think of a better xmas present than to see Swift fall. The truth will come out in court this time.......THEY WONT KEEP SPARKIE SHUT UP OR BOUGHT OFF.......If I was Swift I would fly away now.....Sparkie has been amazing, I have told him if he was paid for the man hours he has put in he would be a milionare!!

 

"pick up a penquin two systems for the price of one" Like it PK so true

 

Hi FF

Its Swift that will need luck this time but it has already ran out!!

 

LL:whoo:

 

Sorry about the double post had a message saying wait 4 seconds did that then said double post??

Edited by lesterlass
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Guest blackie

Good luck PK and send my best wishes to Sparkie, who throughout all of this has been a rock to me, without him I don't think at times I could have gone on. I still have a mortgage and secured with Swift, but just about managing to keep on top their excessive interests rates and charges, just don't want to give in. So good luck to all.

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  • 2 weeks later...
Hello Sophiesnow

 

I see you floating around the Swift threads alot, been a member a while but you never post??

 

LL

 

Asked sophiesnow a question no answer and now disappeared of the thread?????? I wonder why??

 

LL

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Folks

 

I hear that Swift are overdue filing their yearly accounts ...and their credit rating has allegedly been reduced to zero!!

Anyone know if this is the case?

 

:jaw:

Edited by Doc2527
typo
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Hi all

 

I'be been browsing this forum for a few days and hopefully one of you could answer a question for me.

 

I was evicted by Swift earlier this year. While i cant really argue with the eviction itself because we were in serious arrears, i can certainly argue with the cost of it. I wont bother going into detail about this, (Unless anyone is interested in the fine detail) but i'm now trying to get my head round the charges and there seems to be many irregularities. I sent a SAR and the reply i got was a joke, there was no detail at all. I'm now writing a very long list of exactly what information i want from them.

 

I'm looking at the list of transactions they sent through and obviously (because this is Swift) there are lines and lines of extortionate charges. Which brings me to my question, at the end of each line there is a "Total Owed Balance" Would i be right in thinking that if line 23 ends with a Total Owed Balance of £10,000 and line 24 is an arrears charge of £23, the Total Owed Balance at the end of line 24 should be £10,023? I ask because the balances seem to jump about £180 when the charge is only £23. I suspect it is right and i'm missing something but any advice would be gratefully received.

 

Regards

 

Shoops

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They may have made a mistake or they may have added a monthly 'management' fee....Was there any PPI on the agreement (did you use it) ? When did you take this out ? Did you know about the 'undisclosed' commission that Swift paid to the broker ?

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Thanks 42man. There was no PPI and there are several "Management Charges" of £70 on the list so they seem to have been charged in their own right. I took the mortgage out in 2007. I've added a question to my subject access request about the commission that Swift may have paid to the broker without my knowledge. I paid the broker £2000.

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