Swift Advances. Secured Loan Charges reclaim

[frettful38]

Good Morning sparkie I was having a read of this and thought you may find it helpful. It was interesting reading and hope it will be of some use, if not then gain a little knowledge,

 

Hidden charges - Challenging unfair loan charges - Your money - Which? Advice

[Sparkie1723]

Blimey Sparkie, you been on the pop? great bit of journalism if you ask me...(which you won't of course!)

 

SC

 

Talking about journalism I believe I am to be contacted by a large media newspaper, who want to use our full story as a prime example of most sub prime lenders operations.

Whether its before Swift evict us or after. I have submitted aproposal to Swift to address our situation .....but knowing Swift .........I very much doubt if it will be accepted......I think it to be a fair proposal, until our financial situation improves .which I believe will in the next 6 months.......I do not hold much hope. I am not posting details of our offer ..I hope all will understand why.

 

sparkie

[lesterlass]

Hi Sparkie,

 

I complained about ALL charges and they agreed to pay back a default charge £250.00 from SEPT 2007 and warrent for eviction was cancelled and they agreed to a refund of £295.00 from JAN 08.

 

Strange thing though this was SEPT 09. list of transactions printed SEPT 09 (NO REFUNDS APPLIED).

 

I complained to them again trying to ask about interest got nowere, I got a letter back 30 NOV 09 from Tony Strickley " appologies for the delay as requested please find enclosed a copy of the transaction history" ECT ECT. (busy dealing with NI and sparkie)

 

NOW refunds have been applied from APRIL 09?

 

I looked at both "list of transactions" and if you look in the top left hand corner the have been printed from different databases 01 September 09 AFX@emperor/16 : 07 30 November TSS@emperor / 18.05

 

If you need any of these documents pm and I will send if they will help in any way sparkie

LL

[Sparkie1723]

Hi Sparkie,

 

I complained about ALL charges and they agreed to pay back a default charge £250.00 from SEPT 2007 and warrent for eviction was cancelled and they agreed to a refund of £295.00 from JAN 08.

 

Strange thing though this was SEPT 09. list of transactions printed SEPT 09 (NO REFUNDS APPLIED).

 

I complained to them again trying to ask about interest got nowere, I got a letter back 30 NOV 09 from Tony Strickley " appologies for the delay as requested please find enclosed a copy of the transaction history" ECT ECT. (busy dealing with NI and sparkie)

 

NOW refunds have been applied from APRIL 09?

 

I looked at both "list of transactions" and if you look in the top left hand corner the have been printed from different databases 01 September 09 AFX@emperor/16 : 07 30 November TSS@emperor / 18.05

 

If you need any of these documents pm and I will send if they will help in any way sparkie

LL

 

 

Hi lesterlass,

 

I would like to see those documents please I'll pm you my e-mail address can you send them please.

 

This could be more to send to the OFT.............. points to more double accounting systems.......................... AND False Accounting maybe "tampering with accounts) ......but cannot be sure till I see them

 

sparkie

Edited December 21, 2009 by Sparkie1723

[Sparkie1723]

We have to get more Swift customers to come forward even those that think they are O.k for the time being .Is anyone members of facebook ...twitter etc and put out requests..are there any on the other forums that could all come together??

I will fight till we are evicted and I will fight on after eviction if that does happen!!!

 

sparkie

[lesterlass]

Have sent emails for you

 

LL

[Sparkie1723]

Hi everyone

 

All should request these from Swift and if you have had your SAR data .......tell them they have not fully complied with it and should they not supply these a complaint will be made to the ICO........that will back up my complaint already lodged about Swift and Kestrel No 1.

 

It is because of all this nest of hornets I have disturbed I do not think we will get much sympathy from Swift ...but what I have found may help many others to avoid possession that's all I can ask really.

 

It is my belief that they will want to punish me

 

sparkie

 

Ask them for these Documents

 

1...Actuarial Accrual Account Summaries (2 off )

 

a). One retrieved from Swift System &

 

b). One retrieved from Kestrel No 1/No 3 System (s)

 

3...A copy of the record of the account transfer to Kestrel Loans No 1 Ltd or Kestrel Loans No No 3 Ltd ( which ever company your loan was sold to.)

 

4...The record of all transactions applied to this account record.

[Sparkie1723]

Lesterlass,

 

Please write to Swft and ask them to supply the documents lised above ..................the purported statement of account they sent you is no such thing its pure woffle..............a proper statement of account shows a balance of the account at the end of each and every month ..the document they sent does not show what the fees and acharges are for and what interest rate was applied to them, .........they can only charge simple interest on default charges and until they send you a proper statement of account it must be assumed that they are charging contractual compound interest which is contrary to the CCA Act.

 

Another point to put to the OFT, this will add weight to my claim to the OFT that no Swift customer has ever received a true and proper statement of account.

 

Remember your agreement is a regulated one

 

sparkie

Edited December 22, 2009 by Sparkie1723
Added info

[Sparkie1723]

I have had no response from Swift Legal to my request for documents nor to my offer to resolve matters and stay the eviction.

 

sparkie

[coolchris]

Just a "quick" question: As Swift seem to always want to charge you for writing THEM a letter and email (yes..they charge YOU for sending THEM an email)...then.....can WE charge THEM for any correspondence we get from them?

 

See the woman I spoke to on the phone when questioned as to why they charge me for sending them correspondence, the answer was that they "have to open the letter, read it and action it". :lol:[broad, stupid essex accent]. Fkin ell. I nearly fell off my chair laughing.

 

So..if they charge me for sending them stuff, I wanna counter charge them. Is that possible?

Cheers.

[Sparkie1723]

Just a "quick" question: As Swift seem to always want to charge you for writing THEM a letter and email (yes..they charge YOU for sending THEM an email)...then.....can WE charge THEM for any correspondence we get from them?

 

See the woman I spoke to on the phone when questioned as to why they charge me for sending them correspondence, the answer was that they "have to open the letter, read it and action it". :lol:[broad, stupid essex accent]. Fkin ell. I nearly fell off my chair laughing.

 

So..if they charge me for sending them stuff, I wanna counter charge them. Is that possible?

Cheers.

 

HI coolchris,

 

I suppose you could use the same argument...."you have to open it ......read it ........and action it":)

 

But then it seems as if they have stopped reading my E-mails .I still have ne reponse to my requeast for documents ...nor to my offer to stay possession/eviction...............Looks like they want my house!!

 

sparkie

[coolchris]

Yer Sparkie, just wondered if there was any legal aspect as not allowing me to do that.

As far as possesion of your house, hasn't the Govt got something in place to stop this...like the local council scheme to step in and effectively buy the hounds off and then you pay the council back? There is a scheme like that around my end of the woods, just wondered if that was the case around yours. Might be worth looking into, assuming you have not already. It was recently introduced by the Govt due to loads of repossesions because of their sh*te handling of our economy.

[Smarterchick]

Just a "quick" question: As Swift seem to always want to charge you for writing THEM a letter and email (yes..they charge YOU for sending THEM an email)...then.....can WE charge THEM for any correspondence we get from them?

 

See the woman I spoke to on the phone when questioned as to why they charge me for sending them correspondence, the answer was that they "have to open the letter, read it and action it". :lol:[broad, stupid essex accent]. Fkin ell. I nearly fell off my chair laughing.

 

So..if they charge me for sending them stuff, I wanna counter charge them. Is that possible?

Cheers.

 

Chris, can you tell me exactly where you detected that Swift charge you for incoming post( Statement?, letter? where/how did you find out?

[Marky1701]

HI coolchris,

 

I suppose you could use the same argument...."you have to open it ......read it ........and action it":)

 

But then it seems as if they have stopped reading my E-mails .I still have ne reponse to my requeast for documents ...nor to my offer to stay possession/eviction...............Looks like they want my house!!

 

sparkie

 

Lets face it Sparkie, you probably dont have many friends in Brentwood, so their not replying should come as no surprise.

 

Swift will not do anything unless they are forced to - by the courts, regulators etc - It is an excercise in futility to expect any decency from them directly.

 

Thats why we must all bring pressure to bear from external sources and get involved.

 

I did recently post that I have nothing against the people that work there - as a kind Xmas gesture I take that back - nothing would give me more pleasure than to see the whole lot of them crash and burn - merry christmas in Brentwood!!!

 

The people who work there MUST know by now what a bunch of swindlers they are, and the fact that they stay there means they must endorse their actions to a greater or lesser extent - shame on them.

 

m

[coolchris]

sorry double post.

[coolchris]

Chris, can you tell me exactly where you detected that Swift charge you for incoming post( Statement?, letter? where/how did you find out?

 

Personal experience. This is FACT. I am not going to divulge the exact nature or dates etc, as this thread is monitored by these tossers. They also charge YOU for phoning THEM....£12.00.

 

Latest charges sheet:

 

Edited December 23, 2009 by coolchris

[Sparkie1723]

HI Maarkey,

 

I think you are right .from the off in 2007.Idid not come across one employee of Swift that did speak to you civily ..........except when you were paying them money ........any other subject they went into their arrogant mode.

 

sparkie

[Sparkie1723]

Just had a little bit of good news from Solicitors ..................appeal has been lodged today with The Chester County Court.

 

That's a bit of pressure relief.

 

sparkie

[Smarterchick]

Thanks Chris, have you actually seen a charge on a statement ( statement...? wasat? ) for any letters 'from' you or are you going by this tarif?

 

Good news Sparkie.

[Sparkie1723]

coolchris ......I would not like to see my charges for letters then....they will amount to more than I borrowed.

Hope the OFT have got a copy of these charges as I have already compared them with Gmacs and Swifts are a lot higher than theirs.............. and as you know they got find £2.2 million and ordered to pay back £7.7 million of charges back to customers plus interest:cool:

 

 

spakie

[Smarterchick]

coolchris ......I would not like to see my charges for letters then....they will amount to more than I borrowed.

Hope the OFT have got a copy of these charges as I have already compared them with Gmacs and Swifts are a lot higher than theirs.............. and as you know they got find £2.2 million and ordered to pay back £7.7 million of charges back to customers plus interest:cool:

 

 

spakie

 

 

I hope Swift have big piggy banks on their desks...sounds like they may be raided ( in more ways than one )

[coolchris]

Thanks Chris, have you actually seen a charge on a statement ( statement...? wasat? ) for any letters 'from' you or are you going by this tarif?

 

Good news Sparkie.

 

No statements with charges as this has just occured. Yes, I have the letters from them showing the charges. To go any further is to divulge who I am to them, so I will PM you.

[caro]

Chris, can you tell me exactly where you detected that Swift charge you for incoming post( Statement?, letter? where/how did you find out?

 

I've had dealings with an overpriced solicitor lately whose invoice I queried. He sent me a scant reply which revealed he charged £9.75 for each letter he received, not to mention half an hour to prepare a £400 invoice at £195 plus VAT per hour.

 

The attachment in this link may be of interest re charging for sending letters to the bank (or maybe Swift).

 

http://www.consumeractiongroup.co.uk/forum/hsbc-bank/27632-phoenix-hsbc-5.html#post2662093

[coolchris]

Cheers!

[Sparkie1723]

Now that the appeal is now in the hands of legal proceedings with slicitors and Counsel involved .........I have to refrain from contacting Swift from now on.

 

But won't stop me posting and anything I find out will let folks know.For example I have been supplied with information and documents that show that we have another Swift Regulated agreement wherein they have added the brokers fees and admin charges to the total credit. which is agin Mark White said under oath in Court that Statute barrs a lender from doing that.

By doing this on this particular agreement has misrepresented and misstated the APR by some 14% plus, another unlawful agreement to send to the OFT.

 

This reinforces my claim that they do this on every agreement regulated or unregulated

sparkie

Edited December 23, 2009 by Sparkie1723