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    • Referring back to to your initial post... So not a judgment ?
    • I have never heard of any such law. Please post a link to what you have read online that explains this law. And please confirm whether you were ever married to or in a formal Civil Partnership with your Ex.
    • Today has been hectic so  have been unable to complete the whole thing. If you now understand it and want to go ahead with a complaint to the IPC, fine. If not then I won't need to finish it. But below is my response to your request  on post 64. No you don't seem stupid, the Protection of Freedoms Act isn't easy to get one 's head around at first. The part of the above Act referring to private parking is contained within Schedule 4 which you can find online under the Protection of Freedoms Act 2012. Section 9 of SCH.4 relates to how the parking scrotes have to perform so that they can transfer their right to pursue the keeper from the driver when the PCN is still unpaid after a certain amount of time. In your case the PCN was posted to you the keeper and arrived within 14 days from when they claimed a breach occurred. That means they complied with first part of the Act. The driver at that time was still responsible to pay the charge demanded on the PCN and PCM now have to wait for 28 days to elapse before they can write and advise the keeper that as the charge has not been paid, that they now have the right to pursue the keeper. They claim they sent the first PCN on the 13th March, five days after the alleged breach and it arrived on Friday 15th March. So to comply with the Act they have to observe Section 8 subsection 2f   (f)warn the keeper that if, after the period of 28 days beginning with the day after that on which the notice is given— (i)the amount of the unpaid parking charges specified under paragraph (d) has not been paid in full, and (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid. ---------------------------------------------------------------------------------------------------------------------------------------------So the first PCN was deemed to arrive on the 15th March and for 28 days to have elapsed is when the time is right for them to write and say you are now liable as keeper. So they sent the next PCN on the 12th April which is too early as you could still have paid until midnight of the 12th. So the earliest their second PCN should have gone to you was  Saturday 13th April so more likely on Monday 15th April. The IPC Code of Conduct states "Operators must be aware of their legal obligations and implement the relevant legislation and guidance when operating their businesses." So by issuing your demand a day early, they have broken the Act, the IPC Code of Conduct, the DVLA agreement  to abide by the law and the Code of Conduct not to mention a possible breach of your GDPR .   I asked the IPC  in the letter on an earlier to confirm that  CPMs Notice misrepresenting the law was a standard practice for all of PCMs Notices or just certain ones. Their distribution  may depend on when they were issued and whether they were issued in certain localities or for certain breaches. Whichever method used is a serious breach of the Law and could lead to PCM being black listed by the DVLA . One would expect that after that even if the IPC did not cancel your ticket, PCM could not risk going to Court with you nor even pursuing you any further.
    • thanks jk2054 - do you know any law i can quote (regarding timeframe) when sending the email as if i cant they'll probably just say no like the normal staff have done? thanks.
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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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  • 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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