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    • Spoke to my SIL a short while ago Andy and he had the following to say.....     No, he had left their employment by this time, in fact he left January of this year.     August 2013 up until January 2020     Yes, in fact he had a staff MORE card.     He laughed and said "Hell Yes" This even extended to the pubs deputy manageress whom he described as the worst offender and knew that my SIL was doing it as well as other staff members.   There is a story here....   He told me that after he had left, the company fraud guys came in to do an audit with her unofficially being the main target. He has an idea that she may well have been caught with her hand in the till and so she sang like a canary to save her own arse.
    • this is what shell have just sent me in email, confirming mistakes were made it the final response / deadlock letter, they are only telling me this now, 6 months after the deadlock letter was sent to me and long after court action started   please is the actual deadlock letter binding, or can they just noll and void it like this?   Thank you for taking the time to speak with me this evening regarding your account. As agreed, I am emailing you with the details of what was discussed during our phone call so you have a copy in writing. I advised that you previously had an account with Shell Energy (formerly First Utility) for property  and this has an outstanding debit balance of £187.24. However, due to the age of the account and when the invoice was produced on this account, this balance is being cleared. This balance will be cleared within 10 working days and the account will be closed at a zero balance. In regards to account  I advised that back billing credit of £630.45 that was applied in April 2020 was applied in error and was later withdrawn. I explained that the reason it was applied in error is because the back billing period this amount was calculated for, is the same period that the back billing was previously calculated for and a credit applied to the account in February 2017, with the amount of £1192.32 being applied to the energy account. I advised that at the time the deadlock letter was written, the information within this letter was accurate based on the account at that point. After receiving the deadlock letter, you then escalated your case to the Ombudsman. It was at this point, an agent investigated your case and realised that the back billing credit of £630.45 was applied in error. This was addressed within the Ombudsman's findings in writing and they confirmed that the £630.45 was an error and it is correct in being removed, leaving the account balance at £644.48 which is valid and liable to be paid. I appreciate that you have advised the Ombudsman case is null and void as you did not accept their decision and you are right in saying that the actual final decision that they issued was non-binding upon Shell Energy. However, this does not change the outcome of their findings or the fact that the back billing credit of £630.45 was not due to the account. You queried if our call was recorded as you would need it for a judge, to which I confirmed it was recorded. If you want me to raise a SAR for a copy of this call recording, please do not hesitate to reply directly to this email and let me know and I can arrange this for you. I advised that as your case has now been escalated to Shakespeare, legal fees have now been incurred. I advised of the breakdown of these fees: Legal representative cost £70 , Court fee £60 and interest £146.06. I also confirmed that these legal fees were on top of the account debit balance, resulting in an overall balance of £920.54. As discussed, due to the case now being with Shakespeare, I am unable to offer any settlement figure internally. However, I can arrange for Shakespeare to call you directly to discuss your account and options available. You queried if they would be able offer/discuss a settlement figure/payment plan, to which I confirmed that I could not comment on this as I do not know their process, however they will be able to discuss the options in more detail with you directly. As agreed, I will arrange for Shakespeare to call you tomorrow; Friday 27th November 2020. If they are unable to get hold of you, they should be able to leave a voicemail for you. During our call, you also queried who would appear in court to represent Shell, whether it would be a member of staff directly from Shell or whether it would be a representative from Shakespeare on our behalf. I have gone away and spoken to our legal team who have confirmed that it would be Shakespeare who would lead with a representative on behalf of Shell. I hope the information in this email clarifies our position. As advised within our phone call, I am genuinely sorry for the shortfalls you have experienced and I fully appreciate the frustration this has caused. As above, if you would like to request a copy of our call recoding from today, please not hesitate to let me know and I can raise a SAR for this. You can reply directly to this email or you can call on 0330 094 9158. Our lines are open Monday to Friday, 9:00am to 6:00pm. Please note that my working days are Wednesday to Friday each week. Yours sincerely,  
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Swift Advances. Secured Loan Charges reclaim


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I see sparkle has gone now .....must have copied our defenec to pass to their legal Dept for an advanced assessment;)

 

Its our proper defence and counterclaim they ought to be worried about with the heavy stuff!

 

sparkie

 

 

sparkie

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A skeleton outline might be a good idea too Sparks....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

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A skeleton outline might be a good idea too Sparks....

 

 

 

That would be for the full hearing, Skeleton Arguments and further pleadings so as I understand it from the last hearing.could be wrong as usual though:)

 

sparkie

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Sparkie that is nothing short of brilliant and we can all only imagine the hours of work and effort that have gone into it. I cannot believe they will actually let that go before the court but if they do I wish you all the best.

Go get em!!!!!!

G

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This is the commission that everyone pays for on top of their brokers fees

 

This is another document that is concealed from the Borrower as it it never disclosed in an SAR to Swift as I said I am posting one document a day 44CommissionJoe.jpg

Edited by Sparkie1723
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They won't go to court with that!

 

Oh I have no doubt they will ...but whatever they do they will have to stand up to a big fight........they are fighting for the greed of money ....I am fighting for my home.and against what I believe perjury, contempt of Court and flouting of all that is reasonable and moral, for myself and everyone else who have suffered at the hands of these people

 

sparkie

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Excellent work on the defence Sparkie - very well done:D

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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Excellent work on the defence Sparkie - very well done:D

 

 

Thanks landy and everyone else for the comments I only had 2 weeks to put that together .........they filed at the last minute............ if they had not filed they would never have been able to file again after the 18th Dec, they would have been out in the cold.....But their accounts will let them down and I will work them in, in my Defence amendment for the full hearing that a learned person has advised me to file in the HIgh Court and obtain high financed legal Assistance....I'm not saying who he is or what he WAS but knows a lot about Courts and Judges .I leave it up to you all to guess what he was. He is retired now.......but as Blackie says he is having a word with a silk over the next few days.

 

sparkie

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Hi Sparkie

I've just printed your defence off, I'm going to pour myself a big glass of white wine and curl up on the sofa and enjoy every single word of it I'm sure. Count down for next week . . . thinking of you.

All the best, as ever SJ ;)

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Hi Sparkie

I've just printed your defence off, I'm going to pour myself a big glass of white wine and curl up on the sofa and enjoy every single word of it I'm sure. Count down for next week . . . thinking of you.

All the best, as ever SJ ;)

 

Oh that sounds like a great idea SJ - can you pour one for me please:D

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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You're on Landy, hopefully one day soon we'll have a big old Meet for Swift caggers and there'll be bubbles in the wine!!! :D

 

Now that sounds like an even better idea SJ and the way Sparkie's going I don't think that day's too far off;)

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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Question?

As we now know for certain that Swift sold/transferred Swift our loans account to the Kestrel Loans companies, how could Swift increase their interest rate 3 times "To cover the cost of their borrowing" when they had "transferred the borrowers account to Kestrel No 1" ???

This is another question for everyone to ask.

 

Mr Webster has attempted to say is that they transferred just the equity of the loans :wink::grin: Everyone knows my argument on that................No bank would lend such amounts of money the Kestrel companies borrowed JUST on Equity ............as they only lend a maximum of 66%.of Equity value, Kestrel would not have had enough without the Title deed..............BUT they went and borrowed twice on the same day from two different banks...........so they had to have had the Title transferred even if Barclays said they could ...........which I doubt it.

 

If they have Title then yhe Title would have had to be changed in favour of Kestrel and every ones title is incorrectly registered with the Land Registry.

 

Swift will face all these questions

 

The point here is the interest increases for everyone ..........if Kestrel run the accounts which we know they do ....you should have been told by Kestrel about the interest rate rises because they borrowed the money to buy these loans off Swift.............................Swift are ncreasing interest illegally and fraudulently........This is just added stuff for my next hearing Defence and part 20 Counter Claim.

 

Just letting sparkle know what I know.

 

 

sparkie

Edited by Sparkie1723
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A few things:.....

 

1. You didn't pass this by teacher before publishing did you? :mad:

 

2. I've seen some Swift letters which state categorically that the increase in interest was based upon Bank of England base rates - never reduced.

 

3. If Kestrel Own the loans and Swift increased the rates....trouble for Swift.

 

4. It has been established that their Mr Webster says they don't securitise and that's in writing, so, no securitisation - no equitable assignment...so why sell it to Kestrel Loans at all - unless of course, you want loadsa money using the same loan portfolio that you got Barclays to give you loadsa money for....Oh, and while they're in practice why not go do the same with Kestrel Loans No 3 too...and No 2 for good measure? Maybe they'll tell the Judge that too ?

 

5. "I see sparkle is back .........Swift must pay that person some money to keep on snooping and sniffing .why don't you tell us your name."

 

5a. We don't need them to - ;):p - walls have ears and you don't have as many friends as you think you have sparkle! :D

 

Night night sp.......?

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my goodness Sparkie look what I missed today just back jetlagged but as we were heading over the white cliffs of Dover we had to divert there was a swarm of wee birdies heading towards us was about quitting time 5 30ish lol

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

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my goodness Sparkie look what I missed today just back jetlagged but as we were heading over the white cliffs of Dover we had to divert there was a swarm of wee birdies heading towards us was about quitting time 5 30ish lol

 

 

I see the flight investigator is back again, checking on the bird colonies!!!:D:D:D

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The kestrel, most widespread and often most abundant of European birds of prey

 

will have to chance the dictionary matie

 

they are the birds to pay you say

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

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wouldnt fancy what the lads have matie to hit them with lol

 

this is only what you lot want them to know wait till the judge gets the rest of the stuff :D

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

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The kestrel, most widespread and often most abundant of European birds of prey

 

will have to chance the dictionary matie

 

they are the birds to pay you say

 

That's right pkelly you pay Kestrels ...NOT Swifts, swifts can't get at the bird table if a kestrel is sitting there!!;)

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