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    • The Private Parking Code of Parking has been postponed as the poor dears are frightened that thew will all go out of business once it becomes Law. We all wish but nothing could be further from the truth so doubtless most of them will have to change their ways if they don't want to be removed as approved parking companies. Thank you for still retaining and producing the original PCN which, no surprise, fails to comply with the Protection of Freedoms Act 2012 Schedule 4. [It even states the vehicle "breeched" the terms  when it was the driver that allegedly breached the terms}. It fails to specify the Parking Period and whilst it does show the arrival and departure ANPR times on the photographs [that I cannot read] they do not include how long you actually parked nor was it specified on the Notice  [photos don't count]. So that means that you spent even less time parked though it would help had you not blocked out the dates and times, so good if you could please include them on your next  post. Pofa  asks the driver to pay the charge S( [2][b] which your PCN doesn't though they do ask the keeper to pay.and they have missed out theses words in parentheses S9[2][f] ii)  (ii)the creditor does not know both the name of the driver and a current address for service for the driver, the creditor will (if all the applicable conditions under this Schedule are met) have the right to recover from the keeper so much of that amount as remains unpaid; All of those errors mean that the cannot transfer the charge from the driver to the keeper. Only the driver is now responsible . What a rubbish Claim Form -doesn't even give the date of the event which it should.  
    • it doesn't matter what you are being charged or if you missed the discount period. you ain't paying anyway..... if this ever gets before a judge. then the ins and out of POFA2012 or any IPC/BPA guidelines might come into play. until then i go get on with your life. you are spending far too much time on a speculative invoice scan scheme  its almost as if you believe these are fines and enforceable in a criminal court and you could have bailiffs at your door any minute.    
    • Debt Respite Scheme (Breathing Space) guidance - GOV.UK (www.gov.uk) but dont get scammed into a DMP. simply tell whomever you call to simply apply for the BS for you.  
    • totally immaterial. time to now start reading up. Programmable Search Engine (google.com) Clickme^^^ do not miss your defence filing date no matter what dx  
    • Programmable Search Engine CSE.GOOGLE.COM clickme^^
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    • If you are buying a used car – you need to read this survival guide.
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    • 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.

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      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • 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.

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      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
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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 **

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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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