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    • My mind is a blur so i cant recall exactly what the judge said at the end, but he mentioned that he would be making an order for Evri to make payment to me. I wasn't sure if the court order will also be provided to me, either by post or email - if anyone can shed some light please?
    • Agree with everyone here it's bang to rights. Looks like you just slightly jinked left in order to go right. Ultimately, your time saving attempt is going to cost you as I don't think you have any grounds to appeal. I'd just pay the charge and chalk it up to experience.
    • Thank you everyone!  thought to share some points from my experience in court today that may help others who are taking Evri to court: The judge sets out how the hearing will go and how each party should behave; while i was certainly feeling anxious/nervous ahead of the hearing (and I'm sure @jk2054 may have also observed this), the judge really does try to put any non-legal persons at ease; refrain from talking to the other party and instead speak to the judge if you have any questions/responses; the judge and the advocate spoke about tort of negligence - i wasn't sure how this applied to my case but the judge was questionning the advocate about this so i chose to stay out of this; the judge made reference to a historical case of Donaghue v Stevenson which established a duty of care; the judge observed that some of the points in Evri's witness statement by george wood needed cross examination but george was not present today for questionning; While i was claiming 8% interest, the judge pointed out that is the upper limit and that today, savings accounts give 4-5%. I therefore opted for 5% interest which was agreed to by the judge and the advocate; above all else, ensure you know your court bundle and have any notes to help you refer to specific sections - it helped me to structure my answers to the judge/defendant's queries, and point to specific evidence where i was asked to prove e.g., the value of the item. @honeybee13 - yes, will confirm when payment is received. I have emailed the Evri.claims email with my bank details and also provided them after the hearing to the advocate. @BankFodder message received and i am replying to it
    • Looks promising then.  Well done   Dx
    • So a little update.  I sent a complaint to ico and have heard nothing. I just got the general reply email and that's it.  Sat twiddling my thumbs and thought about what I should do next. I searched for the CEO of Studio but then found that he'd left so as keep getting letters from studio about the arrears etc. I thought I'd email the David Twigg. Sent him all the bumpft and a copy of my original complaint and sars request.  Got no response. So didn't know what else to do. Then I thought I'd try through the financial difficulties option on the online form. One last try before I just give up and let them default me.  Then on the 5th June. I got an email from their customer services. That the items that had gone AWOL have all been cancelled. Nothing else on that email, so I had a look in an email account that I don't use anymore and there was an email from the customer service.  That they were sorry for the problems I've had for the last 9 months. That the sars info was emailed to me on 14/04, it wasn't I've kept all spam and deleted emails on that account, they have raised a complaint with their studio pay team regarding the issues, balance dispute, fee's and my credit file. They are hoping to resolve in 3 days but they have upto 56. They also said in regards to my other issues I have to raise a complaint with studio retail but haven't told me how I do that.  The sars info only goes upto the end of December 2023. It has my previous complaints on there but nothing after so I don't know how I get hold of that information. Luckily I've kept copies of every time I've contacted them. Every web chat or social media contact.  Apologies for the extremely long post but I wanted to add everything I could just incase.  I have checked my account balance and it's still minus 900 odd pounds but I'll keep checking to see if it's all cleared and on my credit file.  I'm hoping this is the end of the whole debacle and they close my account because I never want to do this again. Although it's been a learning experience.  Thanks to dx100uk for pointing me in the right direction. Much appreciated.   
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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SS v Swift Advances


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Thanks Paul, how are you getting on with yours? Im really on one now about the ERC and have evens tarted the ball rolling with GMAC lol

 

Sue

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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After recieving a full offer from HSBC Today for £4500 I have decided to go after "The Big One". I borrowed £40,000 from Swift Advances but got into trouble with my re-payments.

 

I decided to re-mortgage to pay off the loan and they quoted me a settlement figure of £55,000. It took me 6 months to get a re-mortgage. During this time I continued to pay the monthly payment, but was unable to reduce the arrears. On the completion day, we got a phone call from the solicitors quoting us a redemtion fee of £75,000.

 

Luckily I had negotiated to borrow some extra funds as part of the re-mortgage, but I was still faced with a shortfall of £3000, which I had to pay the same day in order for the completion to take place. This was also made harder by the fact that I was faced with re-posession within 7 days. Therefore I had no chioce but to pay up.

 

I am looking forward to finding out exactly what our charges were in this 6 month period to warrant a £20,000 difference in the settlement figure! I have sent off the Data Protection Request today and will keep you posted!!!

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Keep me posted gooner i will be very intersted to see what happens in this case. We had some real awful luck during our motgage with this company so i am happy to get back what is rightfully mine however a family member was reposessed through these and if i win (or others) then i can help them reclaim their money back too...the more evidence we have of them choosing numbers out the air, doubling it then adding a couple of noughts when deciding on a settlement figure then the more chance of others winning too. Good luck and start a post in this forum so i can track your story

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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Just received a redemption statement fortunately have made all payments but am going to question the amount as it is not broken down,just a lump sum,any advice of next steps to take,anyone ever had success in reclaiming ERC????

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Hi, a few have been successful, and heres hoping i will be too along with yourself. Send the letter asking for the lump sum to be refunded unless they can provide you with the details of how this figure was arrived at. Good luck and keep us posted

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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Share on other sites

  • 2 weeks later...

Just quick update. Offered small amount back (approx 8% of whats owed). Accepted this as part payment and written to say i will be filing in court for the rest.

 

They are still hiding costs, and only tell me over and over and over and over (need i go on) what fees were paid. Well i know what fees were paid cos i bl*&^% well paid them. So court here we come!!

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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Share on other sites

  • 5 months later...

case closed. Will continue with this in the next few months due to work pressures

All advice :p is given purely from personal experiences :mad: . If you are in doubt you should always seek legal / financial advice;) .

If i have helped in any way please let me know via personal message, IM in aol or clicking on my scales :D go on you know you want to really!!

 

 

Halifax Claim

Data Protection Act: 20/06/06,

LBA: 11/07/06,

N1: 7/8/06,

Paid in full 25/8/06

 

Swift Claim

Data Protection Act: 5/8/06,

Request for Payment 19/8/06,

LBA 4/9/06

Sod off response with paltry offer (accepted as part payment) 22/09/06

N1 filed 25/09/06, deemed served 11/10/06

No part payment recieved to date

 

 

GMAC Claim

Data Protection Act 21/08/06

Request for Payment 11/09/06

LBA 25/09/06

N1 Filed 11/10/06, deemed served 19/10/06

 

Welcome

Data Protection Act 11/09/06

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Share on other sites

  • 1 year later...
  • 4 weeks later...

I have a sec loan with Swift. My next step is finding out if the agreement is fair. I will post as I get info. I was sold the loan telling me it was repayment in fact we all now know it's not. We know if we borrowed say 40k this would turn into about 160k who knows even more, after a 25yr term. That sounds more like an interest only approach to me. Their charges are the most severe case of extortion and reminds me where the regulators have let us down and where laws need to be made in the banking system.I've never worked out out how you can charge the most to the those who can least afford it, it's disaster waiting. They raise their int rates when suits, never reduced when int rates were low. How convenient. Remember to look at the PPI you were probably sold as there is a claim there. In my opinion avoid secured loans, turning back the clock I should have challenged the previous problem in Court and not be frightened into finding money quick but that was back early 2000 and not so much advice about then, but hey remember the secured loan glossy adverts! They answered our prayers we were saved, more like a sheep in wolf's clothing. The adverts seem to have gone away so maybe the message is getting through, it's the devil in disguise. Have we all got our letters saying in the current climate best to get away from them as they envisage large increases. We wish we could, let's have no redemption penalties for starters, refund all charges, re-calculate the loan i.e on 40k and you've paid 20k you owe 20k plus a fair int figure then there would be a rebate for clearing early. Now that's talking!

 

D

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It has also been mentioned to me there will be new legislation passed in 2010 regarding credit agreements which will be more retrospective. I'm not sure of the benefit implications but all I know is after all this turmoil in the financial world, we sure need a fairer way of doing things.If anyone has any more details on this subject please share with us.

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  • 1 month later...

Hi all

anyone here got a recent form from swift, have they altered it any, regarding the apr box and total loan amount

Edited by pkelly
:

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

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  • 2 months later...
Just quick update. Offered small amount back (approx 8% of whats owed). Accepted this as part payment and written to say i will be filing in court for the rest.

 

They are still hiding costs, and only tell me over and over and over and over (need i go on) what fees were paid. Well i know what fees were paid cos i bl*&^% well paid them. So court here we come!!

What was the outcome of the court case?

If my post helped you feel better, click my scales.

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