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Swift Advances. Secured Loan Charges reclaim 2


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The original Swift Advances. Secured Loan Charges reclaim thread has been closed because at 198 pages it has become rather unwieldy. In line with site policy it has been closed but discussion can be continued on this thread.

 

The original thread can be found here for those who wish to read or refer to it.

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?153362-Swift-Advances.-Secured-Loan-Charges-reclaim(2-Viewing)-nbsp

 

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Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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Good morning all, and SHOOPS

 

I am just answering Shoops post 3948. I am sorry but for some reason I have not received any of the details you refer to.

 

I you wish to send me another PM please feel free.

 

Best wishes to everyone 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...

Hi everyone

 

One or two of you may remember i had my house repossessed by Swift and i sent a subject Access Request to them. Initially they replied with about a tenth of the info i had requested so i wrote back asking for the rest of it. The 40 days are now up and i haven't heard anything so this morning i phoned them. They claim to have written to me on the 23rd of November informing me that they cant provide any of the info because they can only supply me with info that is directly personal to me. I asked them to explain what that means and they said if the documentation hasnt got my name and address on they dont have to give me any info off it. What a joke. So basically i cant be told about any of the charges relating to the repossession and sale of the house because it was Swift that employed the management company and estate agents. And it was Swift/management company who sorted out the property insurance, the conveyancing fees, the HIPS pack (which was billed for on the day they were terminated) the tradesmen, the RICS valuation etc etc etc. All these things will have had Swifts details on as it was them who employed these companies even though it was me who eventually paid the bills. They got into a right muddle when i asked about Eastern Counselling and their charges.

 

I've asked them to resend the letter telling me about their decision not to send this info and hopefully it will arrive this time. I'm not really sure where to go with this now though. Any suggestions?

 

Shoops

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Evebning all,

 

Perhaps an Order of the Court could be obtained for non-compliance with your SAR - you really need a good brief. Since when is this company (?) beyond the law?

 

Regards

 

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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My thoughts exactly Dougal. Indirectly I've paid all these bills from the proceeds of the sale and Swift wont even tell me what the charges are for. The FSA have advised me to write to Andy Punch directly and if i dont receive the answers after that they will take it up on my behalf. Unfortunately i'm still struggling financially after losing the house and cant even afford a bad brief let alone a good one :|

Edited by shoops
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Good evening

If you are struggling what about Legal Aid ? Still available at present, and having the backing you have could well be granted.

 

Best wishes

 

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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I had a letter back from the SRA yesterday, I complained about Mathew Payne. They have received lots of complaints and are not going to do anything!!!!!!! The letter was the biggest load of BULL I have read. I sent them absolute proof they were acting illegally :-x I dont know how Swift get away with it.

 

LL

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My thoughts exactly Dougal. Indirectly I've paid all these bills from the proceeds of the sale and Swift wont even tell me what the charges are for. The FSA have advised me to write to Andy Punch directly and if i dont receive the answers after that they will take it up on my behalf. Unfortunately i'm still struggling financially after losing the house and cant even afford a bad brief let alone a good one :|

 

Item 2 in this link has letters for non-compliance with a SAR, although if you threaten court action you must be ready to follow it up. http://www.consumeractiongroup.co.uk/forum/content.php?609-Can-t-find-the-letter-you-want-Look-here

 

What's Best for You?

 

 

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

 

Alliance & Leicester Moneyclaim issued 20/1/07 £225.50 full settlement received 29 January 2007

Smile £1,075.50 + interest Email request for payment 24/5/06 received £1,000.50 14/7/06 + £20 30/7/06

Yorkshire Bank Moneyclaim issued 21/6/06 £4,489.39 full settlement received 26 January 2007

:p

 

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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LesterLass, the trouble with complaining to the SRA is that this is an organisation FOR the solicitors. They won't do anything.

Cabot and the Cabot Fan Club Threads:

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/73598-dealing-cabot-101-cabot.html

 

Legal Actions Explained for Businesses:

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20492-legal-actions-explained-company.html

 

Payplan CCCS Advice:

http://consumeractiongroup.co.uk/forum/getting-out-debt/128587-info-cccs-payplan-experiences.html?highlight=Payplan

 

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Dougal and Caro

 

Dougal, i've just tried the legal aid route and they said i need to exhaust all other options first. I'm about half way through the process at the moment but need to give the Chief Exec a chance to reply to my complaint and cooperate, then when he doesn't help (We already know he wont dont we) i need to go to the FSA. If they dont get anywhere i can go back to Legal Aid and they will get involved.

 

Caro, thanks for the links, i guess that template will come in handy if the FSA dont get anywhere and at that time the threat of court action will be real.

 

Shoops

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Hi All,

 

I note that the OFT public register has been updated.....

 

Swift Advances plc licence number 0391618

Licence Notes:

Minded to Impose Conduct Requirement(s) 10/11/2010

 

Lets hope we don't have to wait too much longer!!!!!

 

Apollo18

 

Hi APOLLO

 

Swift Securities (DORMANT COMPANY) have had the same applied to there renewal licence from 2006 ??

 

Licence Notes:

Evt Stage Open Date Notes

15 Minded to Impose Conduct Requirement(s) 10/11/2010

 

Event Details

Licence Details:

Licence/Application Number Licence Status Applicant/Holder Name

0113022 Current Swift Securities Limited

Event Details:

Event Number Event Type Date of Receipt Closed Date Status

15 Renewal 06-Jun-2006 07-Jul-2006 Completed

Licence Event Details:

Role Name Action

LICENSEE Swift Securities Limited Added / Retained

Officer Bernard Robert Barwick Added / Retained

Officer John Webster Added / Retained

Officer Mr Sunny Ho Sun Lo Added / Retained

 

Address Type Address Action

Principal Place Of Business Arcadia House, Warley Hill Business Park, The Drive, Brentwood, Essex, CM13 3BE Added / Retained

Registered Office Arcadia House, Warley Hill Business Park, The Drive, Brentwood, Essex, CM13 3BE Added / Retained

Canvass Off Trade Premises Details:

With the right to canvass off trade premises for debtor-creditor-supplier agreements or consumer hire agreements.

Minded to Impose Conduct Requirement(s):

Date Minded:

 

LL :-)

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It has been ruled by the European Courts that in house solicitors are not covered by Legal Privilege ...I would there fore suggest that all "Swifties" submit a SDAR to Swift Group Legal Services asking them for all information they hold on you, transcripts and copies of correspondence e-mails etc etc of internal corespondence in Swift Advances plc Arcadia House.......copies of all correspondence between Swift Group Legal Services and outside solictors ,agents, and Barristers........

sparkie

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Here is some info for all Swift Advances plc and Swift 1st Ltd customers.

 

On September 12th 2010 the European Court along with the OFT have ruled that In House solicitors are not covered by Legal Privilege.

I would advise that all should submit a full SDAR to Swift Group Legal Services as they state that they are the In House solicitors for the above named companies.

Request that they supply you with all transcripts of telephone calls between other departments within Arcadia House, copies of all e-mails between same, Transcripts of all telephone calls e-mails, and letters to and from all outside solicitors and Barristers and other agents appertaining to you and your account and court case if applicable.

Do not accept any attempt to bluff you or avoid your request you are now legally entitled to all this information.

 

In my next confrontation in the Court room with Swift Advances plc this is one of the many orders I will be asking the Court to make…..to make all these available…..this should happen within the next two weeks or so maybe sooner

 

 

 

Compliments of “Sparkie”

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Good morning all,

 

I too say welcome back Sparkie......remember 'caution in al things will bring reward',.... don't ask me who said this as I can't remember!

 

Commission claim against Swift filed today - better and further particulars of claim to include 'rescission of contract in its entirety'.

 

Meanwhile 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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Good luck Dougal, and welcome back from me too sparkie. Hope your doing well and I hope your health is doing well too.

 

Lets all hope and wish that we can begin 2011 with a bit of happiness and success, after all the xxxx that many of us have suffered.

 

Happy xmas to each and all, xxxxxxxxxxxxx

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Nice one Frettful38, if only there was a similar organisation in England.

 

Sparkie!! You're back, it's been SO LONG since we heard from you. Hurrah I'll get an SAR off to SGLS or SWIFT GROUP LEGAL SERVICES although surely if they're in-house the original SAR to Swift should cover the whole group . . . . do I really have to fork out another £10? They don't half cash those cheques quickly. Shame they're not so fast at providing the docs. :roll:

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Hi Sweetjane,

I regret that to get this info you will have to spend another £10 as it is all the solicitors info that they will not supply under your SDAR to either Swift Advances plc or Swift 1st Ltd.............this is another little bit of evidence that helps to prove that Swift Group Legal Services are a "seperate entity" to Swift Advances plc and Swift 1st Ltd...and up till now hid behind Legal Privilege....cannot any more.

They have claimed that they are just another department within Swift Advances plc......if that was indeed correct then everyone would receive the information you are now requesting.

 

Send your SDAR's in everyone....it will be a TENNER well spent because if they do not comply......then ring the ICO and tell them they wont.

 

sparkie

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Hi, I've been trying to get some sense out of SWIFT regarding my secured loan. I've put my house on the market [4 months ago] without any luck yet. The only reason I've done this is to clear the Swift loan as I am shortly [Jan] only going to be able to pay £100 per month instead of £228. I wrote a letter of complaint to Alan Loblack who sent me a hard lines letter. When I asked for more details I have been ignored [2 months] and a chaser [both sent recorded] has also been ignored. Does anyone know what is likely to happen when I start sending half payment? Merry XXXXX Xmas

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Hi joes

 

Swift will add charges to your account and the debt will grow substantially. They may even try for repossession if you don't have their agreement to reduce payments. I would recommend going to the cab or national debtline and asking them to approach swift on your behalf urgently.

 

Good luck sj

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Hi, I've been trying to get some sense out of SWIFT regarding my secured loan. I've put my house on the market [4 months ago] without any luck yet. The only reason I've done this is to clear the Swift loan as I am shortly [Jan] only going to be able to pay £100 per month instead of £228. I wrote a letter of complaint to Alan Loblack who sent me a hard lines letter. When I asked for more details I have been ignored [2 months] and a chaser [both sent recorded] has also been ignored. Does anyone know what is likely to happen when I start sending half payment? Merry XXXXX Xmas

 

 

Joe, you posted a while back that you had a letter from Eastern Counselling...can you depersonalise it and post it up for us to see...? Ta..

 

Good advice from Sweet Jane - hang on in there if you can..

 

SC

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