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    • Debt advice charities are backing a regulatory crackdown by the Advertising Standards Authority (ASA) on “misleading” advertising by lead generators View the full article
    • I have been polite in my contacts but this is what I’ve got back . Shows what she’s like I’m afraid . I’ll just sit and wait . I’m not desperate for money just wanted to make sure they weren’t trying to con me as they have in the past .   DWP are dealing with the query. Obviously under under unprecedented pressure due to pandemic. I do not any help thank you.   To be honest I’ve had enough she’s now sent me this Nobody else is hassling me. Your solicitor can contact mine you know who it is . Please do not contact me directly again. You have no idea what problems we have here
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    • I would wholeheartedly agree with the fact that involving solicitors will cost more than 1,000 pounds.    If she cannot start proceedings on her own as a LIP, then she would need to take a more passive (but, alas, long) approach. 
    • is this harwoods sols?   pop up on the MCOL website detailed on the claimform. [if mcol is not working return after the w/end or the next day if week time] .  register as an individual on the Gov't Gateway Site  note down your details inc the long gateway number given, you might need it later.  then log in to the MCOL Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform .  defend all  leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit MCOL. ... get a CPR  31:14  request running to the solicitors [if one is not listed send to the claimant] ... .[use our other CPR letter if the claim is for an OD or Telecom Debt]  ....use this one <<< school fees . https://www.consumeractiongroup.co.uk/topic/332546-legal-cpr-3114-request-request-for-information-when-a-claim-has-been-issued/ . on BOTH type your name ONLY Do Not sign anything . you DO NOT await the return of ANY paperwork  you MUST file a defence regardless by day 33 from the date on the claimform [1 in the count] ..............  
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
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Swift Advances. Secured Loan Charges reclaim


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Swifts customer service department sure must be busy! It seems to be getting more and more difficult to get any response from them:).

 

Any update from the lads in Northern Ireland and the Spotlight team Sparkie?

 

Hi Apollo,

 

I agree, I have noticed that it takes ages to get through. Not sure about their customer service team but I sure would not like to work in their complaints department!!

 

:D

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i AM thinking about restarting my claim against them... they changed interest rates frequently which added just a few pounds to arrears balance we were never informed until we came to end of agreement after 60 months they said we owed still over £1300 which was made up of arrears, interest and charges for things like letters to bank etc....we paid agreement amount every month on time for 5 years and yet we still owed them, is this something i should be fighting in court....

Only direct action by the masses will work....

 

Look at all successes they have never come from negotiation!!!

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Hi Apollo,

 

I agree, I have noticed that it takes ages to get through. Not sure about their customer service team but I sure would not like to work in their complaints department!!

 

:D

 

What happened to Cabot when the shock of consumer backlash hit them was that their staff become inundated with complaints and requests for information. This puts strain on their usually scant basic admin team and they have to 'rearrange' the office and jobs. They got swamped and I wouldn't be surprised if that hasn't happened already at Swift, it's a major shift in operations on a daily basis and they will not have been expecting this explosion in backlash...they take their eye's off the ball, lose their cockiness and then they start making even more mistakes than they do normally. That adds to the burden of even more letters to answer, puts a strain on staff and management and they start pulling their hair out and attacking one another, especially when the complaints are identifiable with all their staff as they know they are rip-off merchants it's just nobody had ever done anything about it before - keep up the pressure and you'll see many cracks appearing :D

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Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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I can sympathise with the ordinary 'ground floor' working man/woman at Swift ( and no disrespect intended) At the end of the day they are just trying to make a living just like any of us, and perhaps when they joined the company they had no idea of what the company were like.

 

It is at the higher levels, where policy decisions are made, where the greedy men live, that we all want so badly to see them get the justice they deserve.

 

If the huge penalties which are on the horizon do result in this company going down, I for one will feel sorry for those innocents put out of work. I just hope they have mortgages where they are not paying 10% more than they should, watching interest rates go up and up, watching their charges add up to thousands, and having their homes repossessed at the drop of a hat.

 

All of us are only one here for one thing: to be treated fairly not to be completely ripped off.

 

Perhaps the workers there should be asking some serious questions of their bosses, and looking to get some answers: if they are not satisfied with those answers and are finding it difficult to sleep at night ( I would) then get onto the job market NOW before you are forced to when Swift goes down.

Edited by Marky1701
L
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I quite agree Marky, this is not about the troopers, it wasn't with Cabot - no-one wants to see people losing their jobs at any level, all we asked Cabot to do was abide by the law - That's all! they didn't and they paid the price as will Swift - there is nothing sinister about what we are doing on here, just asking for what is legally and morally right - if they want to play by different rules that's up to them, but management, you are quite right, are to blame for this for being greedy, thinking they are above the law and can bend the rules to suit themselves. Well in this day and age that doesn't wash and it just cost Cabot £18million in one year alone to find out what happens and I look forward to the next years losses too. And still I read threads on here which show they never learn or try to continue with their stupid antics - they will continue to pay as will Swift until it is rammed down their throats they won't get away with it. These are hard nuts, swilling around throwing their weight about because they have done it for years, well the bigger they are the harder they fall ;)

Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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I agree somewhat with that........but according to Swifts accounts signed by Mr Webster Swift reduced their staff by 14..............he then states that this saved the Company £1.5 million pounds this means that each of these 14 personel were being paid an average of over £2600 per week.??????;):D:confused::confused: some salary that is!!!!

 

ITS IN THEIR ACCOUNTS RIGHT IN YOUR FACE

 

Another reason for their high charges maybe????:rolleyes:....Maybe now they.are gone ....is the reasonSWift have told us that they are reducing them a little bit:?::rolleyes:

sparkie

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I agree somewhat with that........but according to Swifts accounts signed by Mr Webster Swift reduced their staff by 14..............he then states that this saved the Company £1.5 million pounds this means that each of these 14 personel were being paid an average of over £2600 per week.??????;):D:confused::confused: some salary that is!!!!

 

ITS IN THEIR ACCOUNTS RIGHT IN YOUR FACE

 

Another reason for their high charges maybe????:rolleyes:....Maybe now they.are gone ....is the reasonSWift have told us that they are reducing them a little bit:?::rolleyes:

sparkie

 

 

 

Nah Sparkie, not all salaries - you forgot they give Luncheon Vouchers :D

Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

How to use the Forum

http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

 

A click on the scales below is appreciated if my posts were helpful

Do not regard my postings or suggestions as professional advice. If in doubt seek a professional opinion.

 

PLEASE DONATE IF SUCCESSFUL - Every little helps :)

 

PLEASE, Do not Private Message me with basic questions, start your own thread and PM a link if you wish, but I will not be able to respond to all individual questions as I am very busy on numerous other things and anyway, others cannot learn from PM's. It also stifles contributions from the vast talent base this site offers from it's contributors and I'm not all that clever really! :D Thank you.

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JUst despatching this off to the Chambers Mr Falkowski works from.

 

sparkie

 

 

clerks@4-5.co.uk

 

Re;Mr Damien Falkowski

Dear Sirs,

 

Please would you pass the following short comments on to Mr Falkowski.

 

I note from Mr Falkowski's legal Bill of charges, that he spent some considerable time in the "perusing and amending" Mr Whites witness statement.

 

This would show that he was actively involved in making and assisting Mr White in making the false statements in the Disclosure document, and Mr Whites actual statement of truth.

 

This places your whole chambers in an embarrasing position to say the least

 

I will most certainly be bringing this to the attention of the Court at the forthcoming re instatement of Swifts proceedings.

 

Yours sincerely

 

You took the ****sss out of him last time, and you had Nothing and I mean NOTHING he had to have a break to as the judge told him he had not done his homework, lol

funny bit too was when the judge said "Perhaps Mr ""Sparkie"" can enlighten you as to what the regulations are in this matter and you jumped up and straight away not only quoted the law but the requlation numbers as well lol

:-x:-x:-x:-x

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

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Sent this to Mr Falkowski's Clerks at the Chambers he works from

 

sparkie

clerks@4-5grays

 

Dear Sirs,

 

Would you kindly ask Mr Damian Falkowski if Swift Advances Plc presented him with the documentary evidence that they had a legal right to issue proceedings against us for the possession of our property in view of what I copy below.

 

Yours sincerely

sparkie

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I had to laugh when I heard that Mr White was even telling wee porkies on his mobile before your hearing, lol :confused: he said he would not be too long :Dlol

 

what a joke he was near last out of the building :razz: thon big woman hear locked the wee critter in,

lol:D

Edited by pkelly

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

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wonder was he on overtime like the court transcriber, the judge thanked her but never mentioned the lads at the back, I heard they behaved very well considering :(

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

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my grandfather used to put his fingers up like rabbits ears and say to nan `the rabbits are out` meaning the children are listening:)

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

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That e-mail will be passed on to Swift Legal just like my previous three .........they'll try and play "pass the parcel" again ........they won't be able to pass the Bar Councils letters on. I will be getting confirmation of receipt of my complaint soon

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