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    • The neighbour's house is built right on the boundary so the side of their house is effectively the 'wall' in our garden separating the two properties. It's a three storey house and so the mortar poses a potential danger to us. Because of the danger, we have put up an interior fence in our garden to ensure we don't risk mortar dropping on us. That reduces the garden by 25% which is not only an inconvenience, but it's the part of the garden where we had lined up contractors to install a patio and gazebo which we will use for our wedding reception in less than 2 months. We have spoken to the neighbour's caretaker who is on the case, has spoken with a roofer and possibly a scaffolding company, but there are several issues. They don't seem to understand the urgency. As long as there is a risk of falling mortar, we can't carry out any work in the garden, and unless they hurry up, we're looking at cancelling our wedding as it's not viable to book a venue because we can't use our own garden! Also, they want to put the scaffolding up in our garden which would be ok with us if it was a matter of a few days and they hurried up, but there is a tree (most likely protected by the conservation area), so most likely they can only reach part of the roof with the scaffolding if they put it up in our garden. We suggested a roofer with a cherry picker but they seem to want to use a company they've used before. Any and all comments, suggestions, advice is more than welcome.  PS. does it make any difference that the neighbour is a business (ltd) and not a private dwelling?
    • No apology needed, thank you for what you do I am glad to hear they paid. well done on getting back what is yours
    • Apologies all for the late reply and info, i have been away with the Army. They have paid I accepted the offer on the 5th of May, and they paid on the 17th of May.
    • Hello everyone,   Just thought id post an update.   I've today now finally received a claim form from PRA Group. Bit annoying as the last payment to them would have August 2018 so was nearly over the line. I believe my only grounds for defence is that they haven't managed to produce a copy of the DN notice, however from some online research I managed to find some case law that stated they can use their systems screenshot to show proof of it being sent.   I know I have to respond back to their claim form and will do so online on moneyclaim, is now the time to pick up the phone to them and negotiate a deal?   Any advice as always is much appreciated it.
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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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      Many thanks 
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    • 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.

      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
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help and advice needed!!


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How much are the charges they have added to your account?

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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How many payments did you actually miss? do they add up to less than the arrears figure of £1291.64?

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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from 06/12/2007 to 6/07/2012 Instalment due: 6537.44

Bounced items 467.22

Monies received: 5687.76

Arrears 1316.90

Arr.in months 11.3

 

Thats all on the last printout.

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There doesn't look as if there's any charges on that statement

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Please consider making a donation, however small, if you have benefited from advice on the forums

 

 

This site is run solely on donations

 

My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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There doesn't look as if there's any charges on that statement

 

You have to ask them for a copy of the Actuarial Accrual Account Summary Sheet and you want it in A3 format as you cannot read the A4 it is too small. If they resist sending that as they are wise to us now, then you need a proper statement showing all the debits and credits applied to the account. They do not supply one as a matter of course with this breakdown so you need to be specific in asking for what you need and don't give up until you have it.

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i have gpot my so called SAR from Swift,,,,a page of "Summary of personal data as defined by data protection act 1998 held by swift advances plc"...a page of "legal charge (non FSA Mortgages)". a page of."fixed sum loan agreement"....."repayment record" and "list of transactions"........?? I thought I'd get more than that?

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this is the letter I sent re SAR:

Subject Access Request

 

Dear Sir/Madam

 

Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:-

 

1. The original signed, executed credit agreement and any terms and conditions that applied to the account/s at the time of default and at the time the account was opened.

 

2. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account.

 

3. True copies of any notice of assignment and default notices or enforcement notice that you sent me, with a copy of any proof of postage that you hold.

 

4. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted.

 

5. Details of any collection charges added to the account; specifically, the date they were levied, the amount of the charge, a detailed financial breakdown of how the charges were calculated, and what the charges cover.

 

6. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied.

 

7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998.

 

8. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed.

 

9. Copies of statements for the entire duration of the credit agreement.

 

10.Termination notices.

 

I enclose the statutory maximum fee of £10. You have 40 days in which to comply.

If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable.

 

Yours faithfully,

 

 

CCF10082012_00000.jpg

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  • 2 weeks later...

Hi

im new to this forum , im looking for some help and advise regarding swift advances

 

i took out a mortgage with them back in 2004 for

 

mortgage amount £133.000.00

interest charges £38.044.93

less payment recieved £22.448.92

sub total £148.596.01

 

since taking out the mortgage I got in to financial difficulty falling into arrears i was then threated with reprosssion I paniced and got a new morgage and quick as I was a single parent and had to keep a roof over my children head to my suprise i was given a redemption figure of

 

£165.580.77

 

which included various charges ie , default charges , post default collection cost , arrears letters and charges

 

I'm not sure if I will even get anywhere with this but have been reading various forums regarding swift and think maybe i could tackle this or have I left to late

 

if any one can give me some advice or help with this i would be truly grateful

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Hi

im new to this forum , im looking for some help and advise regarding swift advances

 

i took out a mortgage with them back in 2004 for

 

mortgage amount £133.000.00

interest charges £38.044.93

less payment recieved £22.448.92

sub total £148.596.01

 

since taking out the mortgage I got in to financial difficulty falling into arrears i was then threated with reprosssion I paniced and got a new morgage and quick as I was a single parent and had to keep a roof over my children head to my suprise i was given a redemption figure of

 

£165.580.77

 

which included various charges ie , default charges , post default collection cost , arrears letters and charges

 

I'm not sure if I will even get anywhere with this but have been reading various forums regarding swift and think maybe i could tackle this or have I left to late

 

if any one can give me some advice or help with this i would be truly grateful

 

You say a 'mortgage' and Swift Advances - 2 don't go hand in hand.

 

Was this a 1st Mortgage with Swift 1st Limited or a 2nd charge with Swift Advances plc?

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