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    • Hi everyone, I received a charge certificate with a charge of £165  in April 2022 however I never received a PCN and NTO before that. I responded by requesting original PCN reissued in the hope of getting discounted rate which was refused however I was offered to pay £110. I received an Order of Recovery in May 2023 and submitted a witness statement on time by email to get the original PCN re-issued. I received a Notice of Enforcement in February 2024 I contacted TEC that I had submitted TE9 on time and they advised me to submit a late witness statement and TE7. I did as advised and also attached the original email and witness statement as proof to show that I had submitted my witness statement on time. The council disputed my late witness statement by saying that I likely received the PCN and that I did not submit a valid late witness statement without specifying why it's not valid. The court refused my late witness statement without giving any reasoning behind their decision (so much for the transparency). This is really outrageous as I did attach the proof of submitting the witness statement on time and it seems like the court just decided without looking at the case files. Can someone please advise me what should I do now? Any help is appreciated. I have attached all the documents below.   Documents.pdf
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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Mariknub v Swift - 2nd charge loan up to age 88!!


Mariknub
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As this loan is signed by you alone I fail to see how they expected the premiums to be affordable after your personal work income would come to a stop.To know this is a likelihood is unfair to you. I think this loan should be alterd by the Judge so you can repay it and keep your home. As above, POC and defence for us to view and please let us know if you need help to do this, as if any probs someone else can hopefully do it for you. Late now so will be back tomorrow and I will chat to Caro so we can all put our thoughts as to the solution to put to the Judge.

Edited by determindator
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  • 4 weeks later...
Have pm'd you M and will catch up later.

 

My parents have a loan with these and are in arrears they borrowed 34k on a mortgage and will be 90 when it is suppposed to be paid up.

 

because of the arrears more like a 100 years old im looking for help as they have paid 20k back and still owe 42 k after originally borrowing 34 can someone please help or is sparkie still about?

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Hi everyone,

 

I have a new problem in addition to my ongoing Repossession case !My local council have informed me they are withdrawing the loan, arranged through them and finally agreed in November 2011, as they have been informed by Swift that there is a Repossession hearing ongoing and so they have withdrawn the funding agreed!

 

The loan was due to the fact they had stopped doing grants for housing renovation/repairs for which I had been on the waiting list for 2 years.I was then told I could instead access £8000 for essential repairs to my roof and Wessex Loans would put a charge on my house.This was done and signed and sealed in November and I had scaffolding go up and some essential emergency repairs were done (£1750), and the main work was scheduled in the better weather in March/April this year. The scaffolding stayed up.

 

When Swift notified both the council and Wessex(due to charge already on), the council contacted the roofer and told him to not do any further work - with no explanation!

 

He naturally contacted me and I contacted the council. I pointed out that I have a very good case against Swift etc. etc. and will not be repossessed BUT even in worst case scenario, all it would mean for the council would be that they would get their money back quicker, as I have over £100,000 equity !

 

They replied they had taken legal advice and could not risk council money. The next day I got a letter from Wessex regretting the turn of events and saying they will remove the charge ( Probably tomorrow- unless I can stop them!)

 

I have written back to the council and am also mentioning their liability for work already done, scaffolding etc.and appealing to them again to reinstate the loan, as I desperately need this work done as the roof is very bad, and this was the only way I could get it done!

 

I intend threatening to contact the local government ombudsman.

 

Can they go back on the agreement like this? Is it legal?

 

I am devastated as I now have yet another fight on my hands, alongside Swift!

 

Any info. or suggestions very welcome!

 

Many thanks !

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I dont think you should make threats of actions unless you intend to carry them through :)

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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If you start a thread of your own cantona, I'm sure people will help all they can.

The Consumer Action Group is a free help site.

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

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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I dont think you should make threats of actions unless you intend to carry them through :)

Hi,

 

I will do it if there is no other way - not just idle threats !

 

Does anyone know if it is actually legal as the loan agreement is between me and Wessex loans, as I have not breached any of their conditions ?

 

Thanks,

 

M

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To be honest, I simply dont know - I have flagged your thread for site team.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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This may help in your case against Swift Mari. http://www.govanlc.com/MissellingCC.pdf

The Consumer Action Group is a free help site.

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

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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  • 3 weeks later...
  • 1 year later...

Swift is a business that I had never heard of until the death of my father aged 78. I have collected a large amount of paper work and found that he used Swift to help finish a house he was building for himself - the Bank had already refused to lend him the £14k outstanding needed to finish the work.

He was 72 when the loan was taken out over a 25 year period. He was a self employed market trader with little to no income.

 

I can not understand why anyone would lend him monies with so clear a prospect of him never being able to make the repayments. The house is up for sale and Swift are piling on the interest on a daily rate. Anyone know how the family stand when dealing with them and who would be the best persons to contact?

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Swift is a business that I had never heard of until the death of my father aged 78. I have collected a large amount of paper work and found that he used Swift to help finish a house he was building for himself - the Bank had already refused to lend him the £14k outstanding needed to finish the work.

He was 72 when the loan was taken out over a 25 year period. He was a self employed market trader with little to no income.

 

I can not understand why anyone would lend him monies with so clear a prospect of him never being able to make the repayments. The house is up for sale and Swift are piling on the interest on a daily rate. Anyone know how the family stand when dealing with them and who would be the best persons to contact?

 

I'd suggest an Unfair Relationship under Section 140 of the Consumer Credit Act - go seek legal advice. You'll need it against this lot.

 

 

A1

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Swift is a business that I had never heard of until the death of my father aged 78. I have collected a large amount of paper work and found that he used Swift to help finish a house he was building for himself - the Bank had already refused to lend him the £14k outstanding needed to finish the work.

He was 72 when the loan was taken out over a 25 year period. He was a self employed market trader with little to no income.

 

I can not understand why anyone would lend him monies with so clear a prospect of him never being able to make the repayments. The house is up for sale and Swift are piling on the interest on a daily rate. Anyone know how the family stand when dealing with them and who would be the best persons to contact?

 

 

Woody, if you would like to start your own thread, I am sure there will be lots of people who would be able to offer advice.

 

I thought lenders weren't allowed to lend monies where the term would be after a certain age !

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb 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.

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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