Swift Advances. Secured Loan Charges reclaim

[pkelly]

the funs gone out of it all sparkie, I am feeling sorry for the wee birdies now, the RSPCB will be after you,

then again you are helping stop the bird flu spreading

 

smarter chick can I carry on badly for just 10 minutes pleaseeeeeeeee

[pkelly]

I heard the lads have taken the pledge now Sparkie

they take things very serious I hear you have a doc for them to sign lol

[Sparkie1723]

I heard the lads have taken the pledge now Sparkie

 

Tomorrows document to keep the document a day up I'm going to post the Diploma that Barclays have awarded to Swift!!:D:D:D:D

Its a genuine document folks full of surprises;)

sparkie

[pkelly]

we will have to get the guests to sign in Sparkie especially all these legal EAGLES

[Sparkie1723]

How is it that some members who have for example been members since 1st Sept 2006 have never posted on any thread at any time like a certain member viewing this thread now.

 

I am a very blunt person MUTT1.

 

sparkie

[Smarterchick]

I'm going to leave you men to it...I have beauty sleep to catch up on and my make-up to clean off, that'll take a while too.....nite folks....I need one of those birds you see on Hippo's picking the nits off...LOL What are they called....Swifts aren't bloodsucking, parasite pecking critters are they?

[Smarterchick]

How is it that some members who have for example been members since 1st Sept 2006 have never posted on any thread at any time like a certain member viewing this thread now.

 

I am a very blunt person MUTT1.

 

sparkie

 

 

Ever thought they might be shy Sparkie?

[Sparkie1723]

Ever thought they might be shy Sparkie?

 

He must be............. he disappeared after my post:D:D

[pkelly]

dont worry matie there has been a lot of TOP DOGS logging in as last few weeks, between board meetings, emails and phonecalls they never had anything like this before

talk about the **** hitting the fan lol just heard a funny conversation with a wee swifty the other day lol they were speechless

[pkelly]

sparkie gone a minute folks I think he went after the mutt god pitty it.

 

must have been a mutt on the prowl just

 

will check it out if you want by the way the the last one you wanted The guest

will give you the exact details by pm

 

(swiftadvances2-2.dsl.easynet.co.uk)

[pkelly]

Wellington

[pkelly]

Recipient IP 217.204.***.**

Internet Explorer 7.0

Mozilla/4.0 (compatible; MSIE 7.0; Windows NT 5.1; .NET CLR 1.1.4322

 

 

[Sparkie1723]

Wellington

 

 

You forgot Swift Advances WELLINGTON ,SOMERSET Pkelly;)

Edited November 28, 2009 by Sparkie1723

[pkelly]

Recipient Location:

Wellington, Somerset, United Kingdom

 

Chesterfield, Derbyshire, United Kingdom

86.160.**.**

other guest matie

lol like that new program you sent google earthed the address talk about big brother

[pkelly]

so anyhow its good night from me

[Sparkie1723]

so anyhow its good night from me

 

and its goodnight from him!!

[Sparkie1723]

Morning Every body

 

No-one is up today yet??

 

 

As I have said NO BANK would allow Swift and/or the Kestrel Companies to borrow more money on just “Equity” alone. BIG sums at that.

To do this they would need ALL Equity AND Title.

 

Remember that Swift sold these loans to the Kestrel companies and they bought ALL loans from Swift and paid the full value (total owing on each mortgage).

 

We believe we have all the evidence that Swift and both the Kestrel companies have borrowed money on the same day from two Different Banks using the same security of our properties, breaking this covenant with Barclays.

 

I will be working this into my Court Defence at the full hearing

 

They would require specific written consent from Barclays to do this and if Barclays did give this then Swift would have had to give written notice to EVERY single borrower of what they had done, they didn’t so Barclays still hold EVERYTHING.

 

Swift tied themselves up to this.

 

Negative Pledge

The Charging companies each covenant with the Security Trustee that ,during the continuance of the security created by the Debenture, it shall not without the prior written consent of the LSecurity Trustee;

Create or permit to subsist any encumbrance upon any of the Charged Assets (including without limitation, any Charging Company’s right ,title, .interest and benefit in or to any of the Mortgage Loans and their Collateral Security and any other rights relating thereto other than pursuant to the S&F Debenture, and

 

Sell, transfer, lease, lend or otherwise dispose of, whether by a single transaction or a number of transactions and whether related or not, the whole or any part of any part of the Charged Assets( including without limitation, any Charging Company’s right, title, interest and benefit in or to any of the Mortgage Loans and the Collateral Security and any of the other rights relating thereto) other than pursuant to the Mortgage Loan Sale Deed or Servicing agreement

Edited November 28, 2009 by Sparkie1723

[Marky1701]

Hi All,

 

So Sparlie & Co, I have been reading all the recent posts with great interest, but can someone give me an answer to 2 simple questions;

 

1. How would I know if my loan has been sold on to the bird of prey/Kestrel? - I have never heard anything from Swift. And if it has, was actual difference does that make to my situation?

 

2. I am not in arrears, just been/have been/continue to be shafted by a 17%+ interest rate - what can I do, and what are the implications of the impending cases going to have on that situation specifically.

 

Sorry is that 3 questions?

 

Remember there are 3 types of people in this world, those who can count and those who cant.

 

Would Barclays be included in the above statement if they are lending to 2 different companies but using the same collateral?

[Apollo18]

Hi Marky,

 

are you sure you're not in arrears?

 

Please check your pm!

[Apollo18]

Hi All,

 

I believe i'm right in saying that all Swifts customers are probably in arrears, although many of them are not aware of it!

 

I have just learnt that whenever Swift make an enquiry to a customers first mortgage lender they apply a charge to the account. These enquiries are made on a regular basis, and as the customer is unaware of this charge it doesn't get paid, and thus attracts late payment interest!

 

Talk about underhand tactics!!!!!

[mmcourt]

I wonder what they do when the customers first mortgage is also with swift????

No doubt they find some excuse to charge you.

[Sparkie1723]

The answer to all those 3 questions have already been answered in the posts I have put up.

1...SWIFT SELL ALL OF THEIR LOANS, So do not own it any longer

And therefore have no right to collect money from you,..... no right to change interest rates......... no right to charge fees ...the list goes on....

 

" I don't think Barclays know anything abut what is going/gone on, in fact I'm pretty sure of it"

 

The effect of all this could be that Swift are using the equity in all our properties as a false instrument in obtaining large sums of money by fraudulent means, I leave everyone to consider what that would mean.

 

sparkie

[Marky1701]

Hi All,

 

I believe i'm right in saying that all Swifts customers are probably in arrears, although many of them are not aware of it!

 

I have just learnt that whenever Swift make an enquiry to a customers first mortgage lender they apply a charge to the account. These enquiries are made on a regular basis, and as the customer is unaware of this charge it doesn't get paid, and thus attracts late payment interest!

 

Talk about underhand tactics!!!!!

 

Thanks Appollo,

 

I had no idea of that, thanks for your pm.

 

I will write to Swift to see if that is the case.

 

Sparkie, what should I do? write to them and ask them about Kestrel? Surely I should have a right to know about who holds a charge on my house? Should I not have been notified?

 

These bandits MUST be stopped - it a good job I dont live in Essex because I am absolutely raging and would end up paying their 'high tech' office a visit and would not be responsible for my actions!!

[Sparkie1723]

Basically what they do is they borrow the money they lend you off a bank....whichever it is.

They put a charge on your house as security....Say you borrow £75.000.

That means that you have "pawned" £75.000 worth of your house.

 

Then Swift sell this to Kestrel for £75.000.

Remember Swift still owe the bank the money they loaned you.

 

Then both the Kestrel companies go and borrow the money they have paid Swift for your loan/mortgage.

 

When they have the money from the Kestrel Company........... it means the Kestrel company has paid your loan with Swift off ...you no longer owe Swift any money.......... you owe one of the Kestrel Companies....which ever one they sold your particular loan to........therefore Swift have no right to sue you for possession of your Home. your loan with them has been cleared by Kestrel.

That's why Swift never tell you....they double borrow using your asset ...your house.

 

Can you all follow that?

 

sparkie

[Marky1701]

Hi Sparkie,

 

Yes I do get it, but surely I should have to be notified?

 

Apart from that, what are the implications? are you saying I can simply write to Swift, and ask them to confirm I no longer owe them money so I want the charge on my house discharged?

 

It cannot be that simple?