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Secret/undisclosed commissions...


42man
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As they are part of the commonwealth I am certain this will be a copy of our laws matey...no probs really.

 

sparkie

 

 

I have a copy of this which I found ages ago but did not post as I thought it did not apply to us UK's, sparkie please let us know if it does.

 

Thanks for that cab.

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As they are part of the commonwealth I am certain this will be a copy of our laws matey...no probs really.

 

sparkie

 

found this info regarding the commonwealth thingy.

 

English contract law is an influential body of law regulating the law of contract that operates in England and Wales. Its doctrines form the basis of contract law across the Commonwealth, including Australia, Canada, New Zealand contract law, India and South Africa, as well as the United States and the wider common law world. It also influences international law.

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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found this info regarding the commonwealth thingy.

 

English contract law is an influential body of law regulating the law of contract that operates in England and Wales. Its doctrines form the basis of contract law across the Commonwealth, including Australia, Canada, New Zealand contract law, India and South Africa, as well as the United States and the wider common law world. It also influences international law.

 

cab

 

Great find cab, :lol:

 

OMG I found the smileys page

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great find cab, :lol:

 

Omg i found the smileys page

 

"congradulations" icon10.gif

 

cab

Cab1ne-Lombard-Shoosmiths **Claim Recieved**

http://www.consumeractiongroup.co.uk/forum/showthread.php?181761-Cab1ne-Lombard-Shoosmiths-**Claim-Recieved**/page25

Summary Judgement 01/02/2011 **REFUSED** set for trial "May 23rd To June 30th 2011"

DISCONTINUED 3rd MAY 2011 **WON**

 

santander" Responsible Lending!!!!!!!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?219431-quot-santander-quot-Responsible-Lending!!!!!!!

 

Capquest "V" Cab1ne

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?262962-Capquest-quot-V-quot-Cab1ne

 

"STAYED"

 

CAB "Sittin Tight"

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  • 6 months later...

Any more news on undisclosed commissions as yet ?

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.

 

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Any more news on undisclosed commissions as yet ?

 

Hi 42 Man and everyone

 

I have a case against GE for this with a hearing date of 4th May 2011 at Tunbridge Wells County Court, and a case against Swift for this with a hearing date of 16th June 2011 at the same Court.

 

Hope this helps everyone

 

Best wishes to all as always

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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  • 2 weeks later...

Evening all

 

Apologies for the delay, yes I did start my own proceedings against them. They fought to avoid the Court but the DJ has set the matter down for a hearing!!

 

Best wishes to all

 

Douga

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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fought to avoid court ? do you have your own thread as we are travelling down the same road and any advice or updates would be nice as you seem ahead of me , thanks in advance

 

Evening all

 

Apologies for the delay, yes I did start my own proceedings against them. They fought to avoid the Court but the DJ has set the matter down for a hearing!!

 

Best wishes to all

 

Douga

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Hi Michelle and all,

 

I do not have my own thread at this stage - purely because I know how Swift work. I post on here updates, as I go along. If you wish to PM me please feel free to do so.

 

Kind regards to everyone

 

Dougal

Update: 2013 Following our recent (9/7/13) hearing about Bank Charges at the Court of Appeal, and refusal to grant permission to Appeal; an Application has just (23/10/2013) been made for a fresh hearing and the Court Location is yet to be confirmed!

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  • 2 weeks later...

Does anyone actually know what an underwriting sheet should actually look like? I have no idea and despite requesting an underwriting sheet from GE for a loan, I have not got one and wouldn't even know what to look out for...

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  • 4 weeks later...
  • 4 months later...
Hi Michelle and all,

 

I do not have my own thread at this stage - purely because I know how Swift work. I post on here updates, as I go along. If you wish to PM me please feel free to do so.

 

Kind regards to everyone

 

Dougal

 

Any news?

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  • 3 years later...

I know this is an old thread.

I have been researching the secret commission aspect of consumer agreements, and in particular reliance on Hurstinger, so far on here I have come across no less than ten threads which have stated that there was a forthcoming"court case" which will clarify the matter.

As yet I am unable to find one which actually follows up on this.

 

I am beginning to think that the idea is just not viable after the GE money case. would I be correct ?

DO NOT PAY UPFRONT FEES TO COLD CALLERS PROMISING TO WRITE OFF YOUR DEBTS

DO NOT PAY UPFRONT FEES FOR COSTLY TELEPHONE CONSULTATIONS WITH SO CALLED "EXPERTS" THEY INVARIABLY ARE NOTHING OF THE SORT

BEWARE OF QUICK FIX DEBT SOLUTIONS, IF IT LOOKS LIKE IT IS TO GOOD TO BE TRUE IT INVARIABLY IS

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Thanks for bumping up this thread DB. We will have to be patient it seems. Maybe someone will come to this thread with their thoughts.

 

You may have read these articles.

 

 

http://www.fcpablog.com/blog/2014/7/16/uk-courts-rule-on-secret-commissions-and-recovering-profits.html#

 

http://www.wslaw.co.uk/site/uploads/publications/1406823572.0795.pdf

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  • 10 months later...

Interesting article here on a recent case - Yates vs Nemo http://www.i-m-a.me.uk/QuarterlyAccount/magazines/174/174%2029.pdf

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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  • 4 weeks later...
Am I reading this correct that Swift are on the list of funders for the Money Advice Service?

 

http://www.publications.parliament.uk/pa/cm201213/cmselect/cmtreasy/writev/271/m01.htm

 

 

Looks like it ?

 

 

 

Appendix 5. List of current funders of the Trust

 

· Allied International Credit

 

· American Express Foundation

 

· Argos

 

· Bank of America

 

· Barclays Bank plc

 

· Barclaycard

 

· British Gas (here to HELP)

 

· BT plc

 

· Building Societies Trust Limited

 

· Consumer Credit Counselling Service

 

· Department for Business, Innovation and Skills

 

· Esmée Fairbairn Foundation

 

· Experian

 

· Finance & Leasing Association

 

· HM Treasury

 

· HSBC Bank plc

 

· Insolvency Service

 

· Lloyds Banking Group plc

 

· Ministry of Justice

 

· Money Advice Service

 

· National Australia Bank Group

 

· Nationwide Building Society

 

· npower

 

· Optima Legal

 

· Payplan Ltd

 

· Provident Financial

 

· Santander

 

· SSE

 

· Scottish Government

 

· Standard Life

 

· Swift Advances plc

 

· The Royal Bank of Scotland Group

 

· Wescot Credit Services

 

· Wessex Water

 

· Yorkshire Building Society

 

 

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  • 2 weeks later...

The consultation has been promised for a long time. The government would like to take credit for it but the truth is Europe is bringing in tighter controls on the market which it is forcing the UK to adopt. These rules come into place next year and one of the things it will do is bring second charge lending truly under the banner of mortgages, probably one of the reasons Swift don't go for the jugular as readily now. The consultation is based around how to implement the changes and knowing the government how to sideline some. Till the consultation is over nobody knows how it is going to relate to consumers past or present, so like normal there are hopes on the skyline but how far the skyline is nobody knows.

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