Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds


You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds



BankFodder BankFodder


BankFodder BankFodder

  • Tweets

  • Posts

    • British Retail Consortium says prices of staple items will go up 'substantially' if there is no deal.   https://www.theguardian.com/politics/2020/jul/10/no-deal-brexit-will-raise-cost-of-uk-household-staples-say-retailers
    • Well done! This is more than likely the end of it, but you should check with the court at some stage that they've officially discontinued.   They can still chase you for the debt, and they might, but you can just ignore. If they were to issue proceedings again, you can refer to this case in your submissions - it won't reflect very well on them if their case is similar to this time. The chances of them trying again are probably slim though.
    • Send the AOS immediately with intention to defend.  Monitor this thread for a fuller reply lster or tomorrow
    • Update!!!    Email received from solicitors (well I was cc'd in on an email to the Court)   Notice of Discontinuance,   Does this mean it's a "Success" and no more to be heard?   Or potentially they could find the correct paperwork and start a new claim?   But, for the moment, I am happy.   Thanks for the help and guidance on this thread.
    • Hi All, newbie here, hope I'm doing this correctly.   Two years ago the wife was using my car and bought a ticket in a train station car park and displayed it on the dashboard. She returned to find a parking charge notice from Excel. It was a very windy day and it had evidently been blown on the the floor of the car as she left. It did not have a self adhesive part to stick to the window. I subsequently followed their online claim procedure and sent a copy of the ticket but the claim was refused. A couple of days ago I received the County Court Business Centre claim form in the post after presuming it would go away after not hearing from them for about a year (the usual threatening letters from debt recovery companies etc).   I wish I had paid the original £20 as this has been a big worry and hassle, but I just ignored most of the letters after reading stuff online. Obviously I want to dispute the whole of the claim but do I have a decent defence? I would cite the fact that the only reason the ticket was not displayed was that it could not be stuck to the window.   Any help and advice would be greatly appreciated.   Name of the Claimant : Excel Parking Services   Claimants Solicitors: Unknown   Date of issue – 08 July 2020   Date for AOS - 27 July 2020?   Date to submit Defence - 10 August?       What is the claim for – Breach of contract - parked without clearly displaying a valid parking ticket in Brewery St car park, Chesterfield on 02.07. 2018. Defendant has failed to settle the outstanding liability and Claimant seeks recovery of of the parking charge notice, costs and interest       What is the value of the claim? £185.00
  • Our picks

    • Currys Refuse Refund F/Freezer 5day old. Read more at https://www.consumeractiongroup.co.uk/topic/422656-currys-refuse-refund-ffreezer-5day-old/
      • 5 replies
    • Hi,  
      I was in Sainsbury’s today and did scan and shop.
      I arrived in after a busy day at work and immediately got distracted by the clothes.
      I put a few things in my trolley and then did a shop.
      I paid and was about to get into my car when the security guard stopped me and asked me to come back in.
      I did and they took me upstairs.
      I was mortified and said I forgot to scan the clothes and a conditioner, 5 items.
      I know its unacceptable but I was distracted and Initially hadn’t really planned to use scan and shop.
      No excuse.
      I offered to pay for the goods but the manager said it was too late.
      He looked at the CCTV and because I didn’t try to scan the items he was phoning the police.
      The cost of the items was about £40.
      I was crying at this point and told them I was a nurse, just coming from work and I could get struck off.
      They rang the police anyway and they came and issued me with a community resolution notice, which goes off my record in a year.
      I feel terrible. I have to declare this to my employer and NMC.
      They kept me in a room on my own with 4 staff and have banned me from all stores.
      The police said if I didn’t do the community order I would go to court and they would refer me to the PPS.
      I’m so stressed,
      can u appeal this or should I just accept it?
      Thanks for reading 
      • 7 replies
    • The courier industry – some basic points for customers. Read more at https://www.consumeractiongroup.co.uk/topic/421913-the-courier-industry-%E2%80%93-some-basic-points-for-customers/
      • 1 reply
    • The controversial sub-prime lender says the City watchdog is investigating its practices.
      View the full article
      • 0 replies

unfair relationship

style="text-align:center;"> Please note that this topic has not had any new posts for the last 3981 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.

Thank you

Recommended Posts

I believe I have a case for unfair relationship test for the following reasons


As soon as I knew I had financial problems I contacted swift and asked for their help as quoted in the agreement and they refused.

They sent letters stating "can we help" but on contacting them they again refused.

After meeting a debt counsellor I decided to try a time order and told swift:

1. I intended to apply for a time order.

2. I would have to stop any payments to them to get a default letter.


Even though I had kept them informed they continued to treat me as if I hadn't spoke to them and sent me charges [as per agreement]

Even though I spoke to them each time they charged £250 and directed me to "Eastern Counseling Agency" which is not a seperate company but is swift.

Eastern did not offer any help as pretended in the title but actually sent me the same default charges and refused to offer any help.

Although I have now won the time order I find that the punative charges applied by swift [which I believe are designed to stop me from going for a time order] have added thousands to the debt. I also have been charged their solicitors fees for court representation even though if they had helped a little it could all have been avoided. I couldn't raise the money for my own representation in court.

I can't afford to go to court again unless I am guaranteed success.

Any advise out there?

Share this post

Link to post
Share on other sites

so sorry to hear of your pradicament.

Be patient and someone will be along to give you the advice you need.

My opinions are my own and not those of anyone else :D


<<<<<<<<<<<<<< If you find me helpful please click on my scales






Share this post

Link to post
Share on other sites



You have posted Swift's routine so well. I would say most of us Swifters on this site have been where you are now. I notice it is now 16th August and no more replies on your thread. It is poss you have been pm'd by someone to help you but I will pass on your dilemma to those in the know.




Share this post

Link to post
Share on other sites

Hi, I would appreciate any help I can get but nothing so far. I have just found a letter from Swift which offers help if I contact them. When i did they refused all help and stuck me with their internal company eastern counselling agency which claims to be debt managenet but really are just an excuse to add a £250 charge.

Share this post

Link to post
Share on other sites

Forgot to mention my other thread which detailed the interest rates quoted by swift. I'm hoping someone can put bones on them for mr as I believe they are guilding the lily. If any accountant can help please do.

Share this post

Link to post
Share on other sites

JML, have you looked at the thread link at the bottom of this page yet? I would start from page one but do know there are many posts on there to catch up on, but worth it. I've asked for assistance for you.



Share this post

Link to post
Share on other sites

I see you have found the Swift thread I mentioned, saw an earlier post from you on there. Hope your help is on it's way.

Share this post

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Have we helped you ...?

  • Create New...