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    • have you proved at what house was it left outside of & stolen from ...yours or the neighbours? the fact it was for a warranty return means nothing. neither does it that the repairer/retailer have special instructions with DPD for them not to leave a parcel outside unless specified by a customer ..you might have overruled them with your instructions on the DPD website, you stated, neighbour/safe space?? if it was left outside your door, which you appear to indicate RE: i can't see you winning this...you created your own problem with what you put on the DPD website?    
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    • if the agreement was taken out jan 23, then she has not reached the 1/3rd mark so the car has not become protected goods under the consumer credit act.  this puts her in a very very vulnerable position regarding ever keeping the car....whereby once they have issued a default notice they can legally send a guy with a flatbed (though they are NOT BAILIFFS and have ZERO legal powers) to collect the car.  if the car is kept on the public highway then they can simply take it away and she will legally owe the whole stated amount on the agreement AND lose the car. if it's on private property i'e like a driveway, ok they shouldn't take it without her agreeing, but if they do, it's not really on but its better than a court case and an inevitable loss with the granting a return of goods order. are these 'health reasons' likely to resolve themselves in the very short term (like a couple of months?) and can she immediately begin working again ? i'e has she got a job or would have to find one?  answer the above and we'll try and help. but she looks to be between rock and a hard place . whatever happens she will still have to pay the loan off...car or no car....unless you can appeal to the finance company's better nature using health reasons to back off for xxx months.
    • no need to use it. it doubles the size of the thread and makes it very diff to find replies on small screens too. just like @username it - sends unnecessary alerts to people. everyone that's posted on your thread already inc you ...gets an automatic email alert when someone else posts.
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Swift Advances. Secured Loan Charges reclaim


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Thanks SC I thought so,

 

I have the paperwork from the court stating Swift Group Legal Services were taking over that was dated 1st FEB 2008 signed by MAthew Payne.

 

J W Godfrey was not employed by SGLS was he. I was hoping it was formed before that date.

 

LL

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That's music to my ears Doc!!! We're at a critical time this week so any bad news for Swift is hopefully good for us. Shoops - have you got a copy of Swift's tariff? There is one on their website now. If you were in arrears you might have had a monthly management charge but there shouldn't be other charges that month especially if you were in contact with them or it was being handled by their legal department. Did they write advising you of the additional charges as they were about to be applied - this is supposed to give you a chance to pay those charges instead of having interest added to them. Swift are not very good at doing that - well they certainly weren't in the past. Ask them for clarification on charges and if you don't get a satisfactory answer go to the FOS. They have prooved very helpful to me at getting charges refunded - not on all other charges but certainly on that one. Good luck!

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Wow, thanks for the responses.

 

I'm looking at the notice of eviction and it just says Swift 1st Ltd. There was one previous hearing to evict me which i avoided with a payment but as far as this one goes the court notice of eviction is dated 25th March and the eviction took place on April 26th. We tried to avoid the eviction with a last minute appeal at court on the morning of the eviction but it failed. Their solicitor didn't even turn up. They sent a fax saying they would only agree to putting the eviction off if we paid the arrears in full. They even charged us £245 for "
Solicitors charge to attend court hearing.”

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Hi Shoops

It should say on the documents somewhere who the solicitors were. They often use a local solicitor for the actual hearing but all the paperwork beforehand will be done usually by there in house solicitors, Swift Group Legal Services, if they have used them they are committing an offence.

I have reported them to the Solicitors Regulation Authority.

 

LL

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Hi All,

 

shoops.....It's worth e-mailing the details of your experience with Swift to David Blocksidge at the Office of Fair Trading. He has a file on Swift that is growing all the time, and the more complaints he gets regarding the way Swift operate and apply outrageous charges without your knowledge the better.

 

The e-mail address for David Blocksidge is [email protected]

 

Apollo18

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Smarterchick, the only advice i sought was CAB and they basically told us we didnt have a chance because of the arrears. The only time ive written to Swift was the SAR. I had a letter from Swift Group Legal Services12 days before the eviction saying they have obtained a date to evict me and then set out details of the arrears and how i would have 14 days to remove my possessions from the house.

 

Shoops

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Hi Apollo18

 

Someone else suggested writing to David Blocksidge and Edward Allie. I emailed them and got this reply back....

 

I write to acknowledge receipt of your email and complaint about Swift Advances plc. Having read the email, I have reached the conclusion that the loan in question is first charge. Regulation of first charge mortgages, as you may be aware, falls to the Financial Services Authority (FSA) and complaints relating to them must be addressed to that authority.

Please find below information for dealing with the Contacts Centre at the FSA, to which you may wish to address your complaint.

Thanks Apollo18

Shoops

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Swift 1st Ltd and Swift Advances plc do not have their own in house solicitors capable of acting in legal proceedings and in any event they are now the so called in hose solicitors of SWIFT SECURITIES LTD.

 

THey have been added to the renewal application of the CCA licence of Swift Advances plc as trading style ...but they cannot use it until the full licence has been granted. It has also been confirmed by the OFT that they cannot be on two different companies licence.

LL

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Hi Shoops,

 

In other words Swift Group Legal Services. Bet they did not put a name the letter, maybe a squiggle for a signature. get all you have and report them to the SRA [email protected]

 

LL

 

 

Do that but....come back here first and lets chip away, word by word, detail by detail, squiggle by squiggle exactly what happened, then we can tell you what needs to be done, what advice to get and how to go about it...

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Smarterchick

 

The Swift Group Legal Services letter says they have obtained a date to evict us. I will have 14 days to remove my possessions. It details the arrears on the accountwhich "Must be paid in full before (date of eviction) unless an arrangement has been made since we issued the warrant. If the arrears are not made or a satisfactory arrangement made, the court bailiff will take possession of your home on (date and time of eviction)" It goes on to say how i can make a payment and that i will be responsible for any shortfall if the sale doesn't cover the debt.

 

Shoops

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Swift 1st Ltd and Swift Advances plc do not have their own in house solicitors capable of acting in legal proceedings and in any event they are now the so called in hose solicitors of SWIFT SECURITIES LTD.

 

THey have been added to the renewal application of the CCA licence of Swift Advances plc as trading style ...but they cannot use it until the full licence has been granted. It has also been confirmed by the OFT that they cannot be on two different companies licence.

LL

 

Hi SC

Yes it is like a debt collection letter, As above it is not legal they should not be sending them. :-x

 

LL

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I thought i would just scribble down a few of the things that i consider dodgy. As i have already outlined the house was repossessed in April this year.

 

The house was put up for sale for £275,000 which we believe was at least £20,000 below it's true value. That may be backed up by the fact it sold for £280,000. I've asked for all the dates in the SAR but we think it only took 8 weeks to sell. That's from the day it was put on the market to the day everything completed. Hardly enough time to gauge what interest there might be.

 

On the list of transactions there is a charge for the HIPs pack, that date is the same day HIPS were cancelled. I'll be interested to see a copy of the HIPs pack...if there is one.

 

There are 2 charges for "Repossessed property insurance" One is for £181 and the other for £297.....a total of almost £500 for 3 months insurance seems a bit steep.

 

We were charged £245 for "Solicitors to attend court hearing." I think this is for our appeal on the day of eviction. They didnt even attend, they just sent a fax opposing the cancellation of the eviction.

 

We had one occasion when a councillor came to see us. She was from Excel Councelling and a charge has been made for £110 in line with their standard charges. However, there is also a £360 charge for "Eastern Councelling" who we have never heard of.

 

When we appealed it was VERY last minute and my brother went and stayed at my house while i went to court. The bailiffs etc arrived to evict us at 11am but we were still in with the judge. My brother asked them to wait and they agreed. We lost the appeal and at 11.20am i told my brother to let them in. I have been told we were charged for that 20 minute delay. I'll be interested to find out how much.

 

They employed a company called Aventria to "Manage" the sale of the house. They charged £6,900 in total. I spoke to the estate agents who Aventria used to sell the house and they told me they couldn't tell me the exact figure but they would have charged 1% + VAT. Thats about £3,300 so what did Aventria do to earn the balance of £3,600. I phoned them and asked them. They wouldn't go into detail but said they would have maintained the property like mowing lawns. I know they didnt mow the lawns at all and when pushed she admitted they hadnt. I asked what else they might have done and she refused to say.

 

I have a written settlement figure of £263,000 which stood up until May 18th. It was issued on April 20th, 6 days before the eviction. The figure we had to pay in the end was £281,000. I may be missing something here but that says to me that the eviction, sale of house, and 2 months of monthly repayments (4k) cost us £18,000. Seems a bit steep.

 

Then there is the statements where a new line details £23 debit for example, but seems to add £170 to the debt. (I suspect this can be explained away, not even Swift would be that obvious)

 

And there are more irregularities as well.

 

Shoops

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