Jump to content


  • Tweets

  • Posts

    • Makers of insect-based animal feed hope to be able to compete with soybeans on price.View the full article
    • Thank you for posting up the results from the sar. The PCN is not compliant with the Protection of Freedoms Act 2012 Schedule 4. Under Section 9 [2][a] they are supposed to specify the parking time. the photographs show your car in motion both entering and leaving the car park thus not parking. If you have to do a Witness Statement later should they finally take you to Court you will have to continue to state that even though you stayed there for several hours in a small car park and the difference between the ANPR times and the actual parking period may only be a matter of a few minutes  nevertheless the CEL have failed to comply with the Act by failing to specify the parking period. However it looks as if your appeal revealed you were the driver the deficient PCN will not help you as the driver. I suspect that it may have been an appeal from the pub that meant that CEL offered you partly a way out  by allowing you to claim you had made an error in registering your vehicle reg. number . This enabled them to reduce the charge to £20 despite them acknowledging that you hadn't registered at all. We have not seen the signs in the car park yet so we do not what is said on them and all the signs say the same thing. It would be unusual for a pub to have  a Permit Holders Only sign which may discourage casual motorists from stopping there. But if that is the sign then as it prohibits any one who doesn't have a permit, then it cannot form a contract with motorists though it may depend on how the signs are worded.
    • Defence and Counterclaim Claim number XXX Claimant Civil Enforcement Limited Defendant XXXXXXXXXXXXX   How much of the claim do you dispute? I dispute the full amount claimed as shown on the claim form.   Do you dispute this claim because you have already paid it? No, for other reasons.   Defence 1. The Defendant is the recorded keeper of XXXXXXX  2. It is denied that the Defendant entered into a contract with the Claimant. 3. As held by the Upper Tax Tribunal in Vehicle Control Services Limited v HMRC [2012] UKUT 129 (TCC), any contract requires offer and acceptance. The Claimant was simply contracted by the landowner to provide car-park management services and is not capable of entering into a contract with the Defendant on its own account, as the car park is owned by and the terms of entry set by the landowner. Accordingly, it is denied that the Claimant has authority to bring this claim. 4. In any case it is denied that the Defendant broke the terms of a contract with the Claimant. 5. The Claimant is attempting double recovery by adding an additional sum not included in the original offer. 6. In a further abuse of the legal process the Claimant is claiming £50 legal representative's costs, even though they have no legal representative. 7. The Particulars of Claim is denied in its entirety. It is denied that the Claimant is entitled to the relief claimed or any relief at all. Signed I am the Defendant - I believe that the facts stated in this form are true XXXXXXXXXXX 01/05/2024   Defendant's date of birth XXXXXXXXXX   Address to which notices about this claim can be sent to you  
    • pop up on the bulk court website detailed on the claimform. [if it is not working return after the w/end or the next day if week time] . When you select ‘Register’, you will be taken to a screen titled ‘Sign in using Government Gateway’.  Choose ‘Create sign in details’ to register for the first time.  You will be asked to provide your name, email address, set a password and a memorable recovery word. You will be emailed your Government Gateway 12-digit User ID.  You should make a note of your memorable word, or password as these are not included in the email.<<**IMPORTANT**  then log in to the bulk court Website .  select respond to a claim and select the start AOS box. .  then using the details required from the claimform . defend all leave jurisdiction unticked  you DO NOT file a defence at this time [BUT you MUST file a defence regardless by day 33 ] click thru to the end confirm and exit the website .get a CPR 31:14 request running to the solicitors https://www.consumeractiongroup.co.uk/forum/showthread.php?486334-CPR-31.14-Request-to-use-on-receipt-of-a-PPC-(-Private-Land-Parking-Court-Claim type your name ONLY no need to sign anything .you DO NOT await the return of paperwork. you MUST file a defence regardless by day 33 from the date on the claimform.
    • well post it here as a text in a the msg reply half of it is blanked out. dx  
  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

swift advances charges help!!!!please


swansea osprey
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4094 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

hi i hope someone can help i had taken out this secure loan in 2000 with swift advances

I received account statement for period 23 january2010 to 21 january 2011

 

amount of credit for loan £15.000.00

amout credit for ppp: £2.268.00

broker fee: £1.200.00

opening balance as at 22 jan 2010 £25.762.35

closing balance as at 21 jan 2011 £26.623.52

 

payments due £239.99

payment recieved £240.00

fees charged

interest £325.04 ect

 

 

i phoned swift today and asked why is my balance going up he said give him a few minutes he then told me i had charges on my account of £5000.00 thats why the interest is high so i need pay an extra £90.00 month i said why didnt anyone contact me to discuss it before he then said ill send you out statement of all the charges i know i been late in my payments because i was off work sick for while but dont know where the £5000.00 came from but if they contacted me before explaining the charges i could paid extra off the balance instead of it getting so high even if i pay the extra £90.00 its going to take ages to it off with that interest could i ask them to put the charges at the end of the loan im lost in what to do about it

 

thanks for any advice

Link to post
Share on other sites

Hi welcome to my world. I too have a swift con job. I have been paying off a 20k loan at 305.00 per month for 10 years, I asked for a settlement figure last year it was 48k. I have paid 24k still owe 20k. I still have 10 years to go and they say that they are going to add 10 years on at the end of the term for what reason I cannot understand. I have never been in arrears. I will be a pensioner at 76 and I think they just want to snaffle my home. I wish someone would blow up Arcadia house or at least hack thier systems and wipe us all off.

Link to post
Share on other sites

Hi GML,

 

It may help if you write to Swift and request an 'Actuarial Accrual Account Summary', which appears to be the nearest thing they produce that resembles a full statement account. Perhaps then you might be able see exactly what charges and interest Swift have added, and how they claim to have worked out the balance still outstanding.

 

Apollo18

Link to post
Share on other sites

hi thanks for your replys :-)i just recieved Accrual Account Summary the charges were very high ,when i was late paying they sent out 2 letters sometimes more @ £23.00 each 1 for me 1 for my wife and phone calls sometime a few @ £12.00 and other charges its all added up over 10 years . i phoned swift and asked if i can put charges to the end of the loan but they said some companies will do that but its not there policy they said only way to reduce the interest is to pay extra £100.00 month this will be a credit on my account and will start to reduce the interest.i have not got morgage on my home thats paid off im sorry i ever had a loan from them i never missed payments just late i even changed the payment dates with them but this did not make any difference.i said why didnt any 1 contact explaining the charges they said they won't chase me for extra payments because im paying the contacted amount if i didnt notice this at the end of the loan i could lost my house if i could'nt afford pay the outstanding amount it makes me :-x because i would not of minded being charged for phone call or letter explaining this. if i could reclaim all there rip off charges i be well of :lol:

Edited by swansea osprey
Link to post
Share on other sites

Hi welcome to my world. I too have a swift con job. I have been paying off a 20k loan at 305.00 per month for 10 years, I asked for a settlement figure last year it was 48k. I have paid 24k still owe 20k. I still have 10 years to go and they say that they are going to add 10 years on at the end of the term for what reason I cannot understand. I have never been in arrears. I will be a pensioner at 76 and I think they just want to snaffle my home. I wish someone would blow up Arcadia house or at least hack thier systems and wipe us all off.

im with you on that i wish someone will blow swift up they are glorified,legalised money lenders.:jaw:

Link to post
Share on other sites

Hi Swansea

This sadly is an all too familiar story with Swift. You should be heartened by the facts they are being Investigated by both the FSA & OFT. Make a "formal complaint" to Swift about the level of charges outlining exactly what you have written above. Make sure you write "formal complaint" in the heading - don't phone them, do this in writing. Send the letter special delivery. Copy the complaint to both the oft (David Blocksidge) and the FSA.

 

Also your PPI was probably mis-sold so send another formal complaint to your broker if they are still in business, if not go straight to the FSCS, ring them for forms. This will take time but is worth it in the end because you are probably entitled to get compensation. Read the Other Swift threads, you'll learn a lot. Swift's year end accounts state they have put millions aside for redress to customers. Good luck, SJ

Link to post
Share on other sites

  • 2 weeks later...

I have also got problems with Swift and would love to hear from anyone who has been successful in making a claim against them.

 

Has anyone actually received a repayment of undisclosed commissions?

 

Has anyone actually received a refund of Swift's arrears charges or fees?

 

What is the best line of attack????

Link to post
Share on other sites

  • 3 weeks later...

I requested a settlement figure last year and Swift provided one with charges added to it. I had never missed or been late with a payment, so I couldn't understand why there were charges to my account. There were charges for late payments, bounced DDs, letters at £23 each, and even a £23 charge for reading a letter sent by my solicitor to them lodging a complaint.

 

Last month I made a complaint through their website and received a letter saying that I was right and that the charges with interest would be reimbursed. I haven't had a statement yet to show that this has been done yet, but hopefully my account has been rectified.

Regards

socleirigh

Link to post
Share on other sites

Interesting to see you have PPP on the loan ? did the broker take a needs and requirements statement from you ? did they tell you that you had to take the PPI in order to get the loan ?

 

You might find this interesting too - http://www.consumeractiongroup.co.uk/forum/showthread.php?284157-Swift-Advances.-Secured-Loan-Charges-reclaim-2/page9

 

And as for undisclosed commissions as I understand it from a solicitor that Swift have had claims against them to reclaim the undisclosed commissions - http://www.consumeractiongroup.co.uk/forum/showthread.php?223150-Secret-undisclosed-commissions......

Link to post
Share on other sites

Link to post
Share on other sites

I think it was a High Court judge (HHJ Platts) sitting in a County Court which is probably where the uncertainty stems from. But I believe it's a County Court level decision in terms of how binding it is but is likely to be more persausive than a standard County Court level decision due to the seniority of the judge. It was cited extensively in Harrison & Harrison v Black Horse:-

 

http://www.bailii.org/ew/cases/EWHC/QB/2010/3152.html

 

at paragraphs 58 to 63, Waksman reached a different decision but distinguished the case on the facts.

Link to post
Share on other sites

  • 1 month later...

Hi Swansea Osprey

 

Now you have the information re the charges you need to write to the (preliminary letter) requesting the charges back. The OFT prepared guidelines re charges being applied to credit cards and made it clear that they expected banks and mortgage co's to follow suit by redusing chaarges to no more than £12.00. If they have charged you more than £12.00 you are lawfully entitled to have them refunded.

 

Believe me, Swift wont just roll over so brace yourself for a long journey and possibly Court.

In your info from Swift did you get a transaction history? It shos dates and times for all activit on your account (phone calls / letters / accout management). From that info you can see hat letter was written when and how long it took the employee to prform the task. Use that info in your letter. For E.G.

Date Time Employee Activiy

12th Never 9:05 john Smith Letter ref 12345

12th Never 9:07 john smith phone call to borrower..no answer

 

From this info you can see it took 2 mins to complete the letter 12345. If they have charged you £20 for this letter then it means the hourly rate would be £600. This gives you good argument as and when it comes to court as Swift do not need to earn £600 per hour from one client as their over heads do not equate to that.

 

Keep the thread updated....im happy to help!

 

Link to post
Share on other sites

  • 1 year later...

Hi

 

Is that what it is called "Transaction History" All I got was a list of payments, fees & arrears. This would be interesting for me as they started litigation after I had agreed a repayment plan and quite clearly states in rules that should not enter into litigation in order to secure a repayment plan on the FSA website.

Link to post
Share on other sites

Hi 42man

 

Last night lol I asked them to send me a list of transactions and copy of any solicitor's bills as I would be contesting them too. Last night whilst reading them I noticed a letter from "Swift Legal Group" (ha ha) telling me I owed 593.00 and to "pay in full" It was only when I read the next letter telling me that they had now taken legal action I noticed it was £60.00 less than original 593.00?? Puzzled I looked at dates and it turned out 1st letter dated 11 Sept & 2nd letter 27th. They had added litigation costs on after this date. seems I had paid my normal payment + an extra £60 which I continued to do so. So in the background unbeknown to me they were preparing to take me to court for those arrears even tho' had started on a repayment plan. Hope I've got 'em by the short & curlies here!! If this is so I want all my litigation charges back....now!

 

Pam

Link to post
Share on other sites

Hi

Sorry I didn't make myself quite clear. They are not taking me to court now. This happened around 2008 and I only got docs last week. As I said I just noticed al of the above. My beef is that they slapped on a load of litigation charges which could have been avoided (ha do Swifts ever avoid charges on accounts!) and we had already agreed a repayment plan. Also they stated that they had no contact with me about arrears lol maybe weconducted discussions via a medium!

Link to post
Share on other sites

Hi again Pam56,

That is exactly what they did to me. They told me verbally that as we had agreed a payment plan due to a change in circumstances then there would be no legal action. However, the transactions later showed HUGE legal fees levied to my account. I have sent a £10 fee to request a tapescript of all phone conversations. This particular charge has been paid back but th overall problem which has never been fully redressed is the ongoing bullying and harrassment in this time period.

Link to post
Share on other sites

Hi adaeze

 

I hope when you sent them the £10 for taped conversations it was for everything else otherwise it will be a dear do at £10 a time. Anyway will give them something to do instead of hassling decent people!!Even if a charge has been paid back you can ask for it back like bank charges.I'm in a slightly less tricky situation as I have paid my loan but not the charges so I am going to negotiate a fair sum based on FSA quotes before I go down the legal route. Alsoif they have harrassed you that is illegal so report them to FSA or FOS etc. The more people who report them then hopefully they will lose their licence and not be able to continue their grubby buisness.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...