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Miz_print v Swift Advances


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I am quite worried though that the FOS will side with them as i did not conduct the account in a great way and only managed to pay a couple of full payments to them. My hubby was self employed at the time and we were really struggling to maintain any bills. Because of this they are saying that i should expect charges as the amount of payments missed etc....

Miz_Print v Halifax Won :-D 24th july 2007:D

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I am quite worried though that the FOS will side with them as i did not conduct the account in a great way and only managed to pay a couple of full payments to them. My hubby was self employed at the time and we were really struggling to maintain any bills. Because of this they are saying that i should expect charges as the amount of payments missed etc....

 

yes but your past financial problems do not give the oc permission to charge a 'standard' PENALTY ' fee which does not actually reflect their costs.

 

and the FSA are down on record as saying that.

 

so dont worry.

 

as of 'statement of needs

 

there should be a doc with the original mortgage that was filled out.

 

tp prove your needs were properly assesed.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 1 month later...

Central Capital wrote back regarding the PPI with Swift and basically now rejected all of my claim despite them keeping me dangling saying that they had partially upheld my claim. They said as we had no other insurance in place to pay the loan that we needed it at the time!

 

What gives them the right to tell you what you need? I am getting all the info together to refer to the FOS now as i am not going to let them get away with this.

 

Miz

Miz_Print v Halifax Won :-D 24th july 2007:D

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nothing

 

write back and refute it

 

none of ther business!

 

in-fact, as they are saying you didn't have any other ins

 

thats tanamount to saying we required you to take it!

 

cough up!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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who's calling the shots, you or them........

 

the FSA clearl idicated that companies MUST investgate complaints impartially.

 

that is clearly NOT an impartial comment.

 

its one that smacks of them deciding upon what was best for you.

 

def NOT impartial.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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