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borolad63

Swift loan Help

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4041 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

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Hi

 

I have a SAR from Swift but not exactly know what I am looking for within the SAR.

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Why did you send for it? :confused:

 

eg. was it to obtain statements, account info, etc?

 

What have they sent you?


Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Hi Borolad,

 

Are you looking to claim back penalty charges? Was this a mortgage with Swift or a loan? Did you take out PPI at all?

 

We are awaiting the response to our SAR from Swift (40 days up next week) and will be looking to reclaim penalty charges and PPI which we believe was mis-sold.

 

Did they respond within the time frame to your request?

 

Will follow your progress with interest if that's ok with you:D

 

Good luck with whatever you are hoping to achieve!

 

Regards,

 

Landy x


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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Hi

 

Sorry for delay in answering back, problems with my internet connection (deleted my modem by mistake). I am in my local library at the moment.

 

I asked for my SAR from Swift in July 08. They sent me history notes, transaction history and repayment record.

 

The reason I asked for the SAR was that everyone I knew had asked for their SAR so it sounded like a good idea. The reason I first posted this tread was that I am unsure what to look for in the SAR.

 

Borolad

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Did they send you a copy of your agreement also ?


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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hi

 

They only sent what I have already mentioned, no consumer credit agreement.

 

Borolad63

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I would write back to them stating that they have NOT complied fully with your SAR.....when was their 40 days up to provide a SAR ?


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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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IF it is now OVER the 40 days send them a LETTER BEFORE ACTION giving them 7 days to comply there is an example of one here - http://www.consumeractiongroup.co.uk/forum/general-debt-issues/178660-blackheath-loans.html


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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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You should also state that they have not provided

 

· details of any agreements between lender/broker/packager, written or unwritten, in relation to commissions or any other payments

· Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager


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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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I have being paying Swift £83.86 pm as per agreement for April and May

 

I have received from Swift a letter dated 20th May saying that I must pay my arrears plus extra £50 also that a total payment of £469.30 is required under the court order or they will issue the warrent for possession of my property.

 

I also received on 22 May asking for the monthly installments of £167.72 plus additional amount each month to clear arrears.

 

Now I am receiving phone calls asking for the payment agreement to start on 12th of this month

Edited by borolad63
put in my personal details

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Here is my letter to Swift dated 30th March

 

30th March 2009

Credit Control Department

Swift Advances

Arcadia House

Warley Hill Business Park

The Drive

Brentwood

CM13 3BE

Dear Sirs,

RE:

I write with reference to the above numbered account to ask for your assistance with the current arrears situation which arose due to my experiencing unexpected financial strain over the last few months as a result of being unable to work through injury.

I agreed to pay £217.72 per month and have maintained this arrangement for the last month. However, I had to go into hospital for surgery to correct the problem and will find it difficult to continue to make these payments over the next few months – I will, of course, pay whatever I can during that time. Please see affixed letter from my doctor.

However, when I am recovered from the operation I will be able to go back to work and my earnings will return to the level I previously enjoyed before the injury, thus I will be in a position to increase the payments to clear the arrears. I have enclosed a cheque for £100 as part payment.

I trust you will be able to respond positively to my request for help and look forward to receiving your reply.

 

Yours

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have being paying Swift £83.86 pm as per agreement for April and May

 

I have received from Swift a letter dated 20th May saying that I must pay my arrears plus extra £50 also that a total payment of £469.30 is required under the court order or they will issue the warrent for possession of my property.

 

I also received on 22 May asking for the monthly installments of £167.72 plus additional amount each month to clear arrears.

 

Now I am receiving phone calls asking for the payment agreement to start on 12th of this month

 

Here is my letter to Swift

 

30th March 2009

 

Credit Control Department

Swift Advances

Arcadia House

Warley Hill Business Park

The Drive

Brentwood

CM13 3BE

 

Dear Sirs,

RE:

 

I write with reference to the above numbered account to ask for your assistance with the current arrears situation which arose due to my experiencing unexpected financial strain over the last few months as a result of being unable to work through injury.

 

I agreed to pay £217.72 per month and have maintained this arrangement for the last month. However, I had to go into hospital for surgery to correct the problem and will find it difficult to continue to make these payments over the next few months – I will, of course, pay whatever I can during that time. Please see affixed letter from my doctor.

 

However, when I am recovered from the operation I will be able to go back to work and my earnings will return to the level I previously enjoyed before the injury, thus I will be in a position to increase the payments to clear the arrears. I have enclosed a cheque for £100 as part payment.

I trust you will be able to respond positively to my request for help and look forward to receiving your reply.

 

Yours

 

 

Last

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Have you thought about getting the underwriting sheet from them ? As you got the loan through a broker, then it is likely that they have paid the broker a backhander !!!


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.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hi

 

Do you know if there is a letter I can use asking Swift if I can continue with my payments for a short period of time say next three months? and not go down the road of repossession or full monthly payment plus £50 as per court order.

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Hi Borolad 63,

 

I have only just come across your thread can you send me a copy of your loan agreement by e-mail remove all your personal info from it, I'll send you a my e-mail address by PM I would like to have allok at please I may find something on it that will help you fight these heartless creatures.

 

sparkie

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Hi Sparkie

 

Please see attached letter I sent to Swift.

 

Here is their reply

 

One hundred pounds is not sufficient for june payment.

My court order from February was to pay £217.73pm

They would accept £83.86 for April and May on the understanding that I increase my monthly payments bact to 2217.73

 

My court order is in arrears of £503 .16 and as I have not complied with the agreement they could demand full payment by return and arrange a warrant to be issued.

 

To avoid this course of action they require my proposals for payments over an above the court order and if accepted we shall require June payment to be made.

 

They will withhold action untill 22 June.

 

Your thoughts please

11 June 09 offering payment 2.doc

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Hi Sparkie

 

Many thanks for your offer

 

Will dig out my loan agreement and send it off to you

 

Borolad63

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Hi Sparkie

 

I have just sent of to Compliance dept asking for

Details of any agreement between lender/broker/packager.

Underwriting shett or other such documents recording any commission payments to an intermediary or packager.

Enclose your complaint resolution procedure.

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Hi

 

Have just recieved this letter from swift.

 

As you are aware Swift has an order for possession, which means they can ask a baliff to repossess your home.

 

Swift would rather not evict me but have no alternative unless I resume payments and make some practical proposals to keep up regular payments.

 

I must make contact with Swift within 5 days or they will insturct solicitors to apply to the court for a warrant.

 

If I do not respond to this letter and Swift have to review my account again they will instruct their solicitors to issue a warrant. Solicitor charge £100, County Court £95 and further solicitor charge £211.50

 

Also if I pay within seven days of the eviction appointment I will incur further costs to cancel the arrangements for the eviction

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Hi

 

Have just recieved this letter from swift.

 

As you are aware Swift has an order for possession, which means they can ask a baliff to repossess your home.

 

Swift would rather not evict me but have no alternative unless I resume payments and make some practical proposals to keep up regular payments.

 

I must make contact with Swift within 5 days or they will insturct solicitors to apply to the court for a warrant.

 

If I do not respond to this letter and Swift have to review my account again they will instruct their solicitors to issue a warrant. Solicitor charge £100, County Court £95 and further solicitor charge £211.50

 

Also if I pay within seven days of the eviction appointment I will incur further costs to cancel the arrangements for the eviction

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