help and advice needed!!

[ccrl14]

Elle-enn............Whats my next step with Swift? Do I just leave everything now and hope that I can make the payments?

[Ell-enn]

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

[ccrl14]

just looking through the papers, I can't see anywhere the total of fees in charges. They have just put a repayment record.on.

[Ell-enn]

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

[ccrl14]

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.

[ccrl14]

statement.bmp

[Ell-enn]

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

[spot]

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.

[ccrl14]

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?

[ccrl14]

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,

 

 

[kittykatek88]

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

[andrew1]

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?