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    • Hi, despite saying you would post it up we have not seen the WS or EVRis WS. Please can you post them up.
    • Hi, Sorry its taken me so long to get round to this, i've been pretty busy today. Anyway, just a couple of things based on your observations.   Evri have not seen/read my WS (sent by post and by email) as they would have recognised the claim value is over £1000 as it includes court fees, trial fees, postage costs and interests, and there is a complete breakdown of the different costs and evidence. I'd say theres a 1% chance they read it , but in any case it won't change what they write. They refer to the claim amount that you claimed in your claim form originally, which will likely be in the same as the defence. They use a simple standard copy and paste format for WX and I've never seen it include any amount other than on the claim form but this is immaterial because it makes no difference to whether evri be liable and if so to what value which is the matter in dispute. However, I have a thinking that EVRi staff are under lots of pressure, they seem to be working up to and beyond 7pm even on fridays, and this is quite unusual so they likely save time by just copying and pasting certain lines of their defence to form their WX.   Evri accepts the parcel is lost after it entered their delivery network - again, this is in my WS and is not an issue in dispute. This is just one of their copy paste lines that they always use.   Evri mentions the £25 and £4.82 paid by Packlink - Again, had they read the WS, they would have realised this is not an issue in dispute. They probably haven't read your WS but did you account for this in your claim form?   Furthermore to the eBay Powered By Packlink T&Cs that Evri is referring to, Clauses 3b and c of the T&Cs states:  (b)   Packlink is a package dispatch search engine that acts as an intermediary between its Users and Transport Agencies. Through the Website, Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line. (c)  Each User shall then enter into its own contract with the chosen Transport Agency. Packlink does not have any control over, and disclaims all liability that may arise in contracts between a User and a Transport Agency This supports the view that once a user (i.e, myself) selects a transport agency (i.e Evri) that best suits the user's needs, the user (i.e, myself) enters into a contract with the chosen transport agency (i.e, myself). Therefore, under the T&Cs, there is a contract between myself and Evri.   This is correct but you have gone into this claim as trying to claim as a third party. I would say that you need to pick which fight you wan't to make. Either you pick the fight that you contracted directly with EVRi therefore you can apply the CRA OR you pick the fight that you are claiming as a third party contract to a contract between packlink and EVRi. Personally, I would go with the argument that you contracted directly with evri because the terms and conditions are pretty clear that the contract is formed with EVRi and so if the judge accepts this you are just applying your CR under CRA 2015, of which there has only been 2 judges I have seen who have failed to accept the argument of the CRA.   Evri cites their pre-existing agreement with Packlink and that I cannot enforce 3rd party rights under the 1999 Act. Evri has not provided a copy of this contract, and furthermore, my point above explains that the T&Cs clearly explains I have entered into a contract when i chose Evri to deliver my parcel.    This is fine, but again I would say that you should focus on claiming under the contract you have with EVRi as you entered into a direct contract with them according to packlink, as this gives less opportunites for the judge to get things wrong, also I think this is a much better legal position because you can apply your CR to it, if you dealt with a third party claim you would likely need to rely on business contract rights.   As explained in my WS, i am the non-gratuitous beneficiary as my payment for Evri's delivery service through Packlink is the sole reason for the principal contract coming into existence. I wouldn't focus this as your argument. I did think about this earlier and I think the sole focus of your claim should be that you contracted with evri and any term within their T&Cs that limits their liability is a breach of CRA. If you try to argue that the payment to packlink is the sole reason for the contract coming in between EVRI and packlink then you are essentially going against yourself since on one hand you are (And should be) arguing that you contracted directly with EVRi, but on the other hand by arguing about funding the contract between packlink and evri you are then saying that the contract is between packlink and evri not you and evri.  I think you should focus your argument that the contract is between you and evri as the packlink T&C's say.   Clearly Evri have not read by WS as the above is all clearly explained in there.   I doubt they have too, but I think their witness statement more than anything is an attempt to sort of confuse things. They reference various parts of the T&Cs within their WS and I've left some more general points on their WS below although I do think  point 3b as you have mentioned is very important because it says "Users can check the prices that different Transport Agencies offer for shipments and contract with the Transport Agency that best suits their needs on-line." which I would argue means that you contract directly with the agency. For points 9 and 10 focus on term 3c of the contract  points 15-18 are the same as points 18-21 of the defence if you look at it (as i said above its just a copy paste exercise) point 21 term 3c again point 23 is interesting - it says they are responsible for organising it but doesnt say anything about a contract  More generally for 24-29 it seems they are essentially saying you agreed to packlinks terms which means you can't have a contract with EVRI. This isnt true, you have simply agreed to the terms that expressly say your contract is formed with the ttransport agency (EVRi). They also reference that packlinks obligations are £25 but again this doesn't limit evris obligations, there is nothing that says that the transport agency isnt liable for more, it just says that packlinks limitation is set. for what its worth point 31 has no applicability because the contract hasn't been produced.   but overall I think its most important to focus on terms 3b and 3c of the contract and apply your rights as a consumer and not as a third party and use the third party as a backup   
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      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.

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Swift advances help required please


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Hi all.

 

I have just recently registered and been looking through the forums regarding the biggest **** in this country - Swift Advances.

 

I have seen all the help given to people around this forum especially ims21 which I honestly applaud and was wondering if you can help me with this too?

 

I'm doing this for my father who quite frankly is just about managing to keep up with his payments and has been in arrears for quite some time on and off. He has his 1st Mortgage with another mortgage provider Birmingham Midshires - £50,000 in 2005 and this is his second secured loan - £34,995 in 2007.

 

I have recently asked them to send a full statement for all charges etc from when the loan was taken out in 2007 and I am shocked like many on here on these amounts!!!

 

I also asked for a settlement figure and the figures make my mind boggle!!!

 

Original Loan Amount - £34,995.00

Interest Levied (excluding on Charges Incurred) - £32,675.41

Less Payment Received - £35,373.47

Sub Total - £32,296.94

 

Charges Incurred:

Court Fees - £245.00

Tradesmen Invoices - 58.75.

Legal Fees - £1951.04

Post Default Collection Charges - £1713.00

Solicitors Charge to Attend Court Hearing - £164.50

Loan Co Admin Charge - R/D Cheque Charge - £264.00

Default Charge - 250.00

Other Fees & Charges - £1106.00

Interest Levied on Charges Incurred - £5466.42

 

SUB TOTAL - £43,515.65

Add Redemption Administrative Fee - £150.00

Early Settlement Figure - £0.00

 

SETTLEMENT FIGURE - £43,665.65

 

I honestly feel so sorry for my father and for everyone out there who deal with these sharks. What I am after with all your kind help of course is to bring this figure down considerably and I don't know where to start.

 

I have however already sent off a SAR request today and I am waiting for their response.

 

Kindest Regards

Fay

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Let us know what the SAR brings back, im betting a Lot, if not the bast majority of the charges are unenforceable/unlawful and can be reclaimed.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Let us know what the SAR brings back, im betting a Lot, if not the bast majority of the charges are unenforceable/unlawful and can be reclaimed.

 

Thanks for your response. I certainly will do.

 

Kind Regards

Fay

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A lot will depend on if these charges are specifically mentioned in the Mortgage Contract.

Charge for RD cheque seems very large to!

 

Debt collection charges if not specifically allowed for are not allowed, and as it seems there may be a CCJ ( Court charges £245.000). Have you checked what this is about?

 

Has he checked his credit reference files if not it would be wise to do so.

This needs early attention as a SAR gives the 40 days to comply!

 

Were you specific as to the most important documents you required in the SAR?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Thanks for your response BRIGADIER2JCS

 

I havent asked Swift anything yet as just trying to compile all the information before presenting a case.

 

 

No i didnt mention for any specific documents when requesting the SAR. Should i have done so? I just used a template that alot of people have already used and filled out on here for Swift.

 

 

I know my fathers credit file must be horrid which is probably why he ended up with these douchbags. Equifax and Experian are offering free 30 day checks so i can certainly check and see how deep the rabbit hole goes.

 

 

Thanks

Fay

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Hello Fay,

 

I just wondered if you had asked for a copy of a credit agreement.

I would be worth getting the credit file.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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I will definitely have a look. Does anyone know how long the SAR usually takes to come through? I know there is a maximum lead time of 40 days. Just cant wait that long. I sent it via recorded delivery.

 

Fay

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Hi the time scale is 40 calendar days to comply as you say, if they is little data it could well be quicker.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Hi Fay J, Tell them to include the full history notes. This is a printout of the record for phonecalls, correspondence and their remarks.

You also want AAAS in A3 format. This is a printout which shows entries on the account.

If you don't have already, a copy of the original agreement and an account statement from the beginning of the loan.

The interest rates charged and any changes with dates during the loan.

 

As mentioned above, lets see what comes back.

 

Did your father have PPI included in the loan?

 

Do you know if the broker is still trading or was it sold by an IFA?

 

 

 

Keep us updated.

Edited by determindator
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Hi determindator

 

I have already sent for the SAR and did not ask for any of those things you mentioned however will send them a letter today to make my request more specific as you've mentioned.

 

No my father hasn't taken out PPI although he was convinced he had done due to the payments being high only to find out that it was actually due to the ridiculous amount of interest Swift charge! :-x

 

believe it or not my father has no idea who the broker was. He is very unorganised and forgetful like that (one of the many reasons why I have now got involved) and I'm not sure how to find out either.

 

Regards

Fay

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I am relying on the agreement just like you have suggested to tell me who the brokers was. I have found a statement showing a broker fee and admin charge so it definitely is via a broker.

 

I was just wondering though, is there any reason as to why i would need to know who the broker is? Is it for PPI purposes?

 

 

Thanks

Fay

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It's useful to find out as much info as poss, you may need it at some point, i.e what the broker asked or said at the time.

 

I see PPI was not included in your loan agreement, as it was for many.

 

You say your Father is finding it difficult to pay the contracted amount each month. Tell them what he can afford to pay.

Edited by determindator
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He's just about able to manage but yes theres an expenditure form he needs to fill out and they will decide wether the current amount is feasable for him to pay however my fathers refusing to pay any less as just wants to pay off loan asap as he thinks (quite rightly so) that eventually paying less would mean a longer term of the loan and eventually many more £££££'s added and as we are all aware swift are out to get your house repossesed.

 

Fay

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I have and the figure at the moment is £43,665.65 with further details on my first post. I am trying to bring that figure down considerably.

 

I have just received all the details from the SAR today. However I think I am missing the AAA3 document.

 

What I have received is:

 

Copy of Credit Agreement

Copy of Legal Charge

Repayment Record

Transaction Record

 

I am in the process of putting the transaction record on to an Excel file so I can work out if the figures and amounts due are correct or not. This will of course be quite time consuming but I am definitely not taking Swifts word on anything.

 

Anything else you guys think I should be doing? I'll come back to you with my findings.

 

Regards

Fay

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Have you recieved the SAR yet? You need to get as much info as you can and exhaust the creditors complaints procedure before the FOS can get involved.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

If my advice helps you, click the star icon at the bottom of my post and feel free to say thanks

:D

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Hi.

 

Yes I have received the SAR and have been doing some analysis the last week or so.

Should i email them through their complaints email or write in?

Also im not sure how to mention that if there resolution is not acceptable then i will then forward the complaint to the FOS?

Also is there any other body I can mention apart from the FOS?

Thanks for your help

Fay

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you can complain to the OFT, they will not do anything but the complaint will be logged as they cannot do anything about individuals. You can complain to the FOS but my experience of them is worse than useless but again at least it is another strike against Swift's name. Complain to your MP if he/she is any good they might take a bit of interest, mine is useless.

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Hi.

 

Yes I have received the SAR and have been doing some analysis the last week or so.

Should i email them through their complaints email or write in?

Also im not sure how to mention that if there resolution is not acceptable then i will then forward the complaint to the FOS?

Also is there any other body I can mention apart from the FOS?

Thanks for your help

Fay

 

always write to them and send it recorded delivery as they are known to lose emails. They will suggest to you that you approach the FOS if you are not happy with Swift and they should send you a small guide on how to complain. The FOS may tell you that Swift will not be adding further charges while the FOS are investigating, DO NOT TAKE ANY NOTICE as Swift will still be adding their charges even if it takes the FOS 18 months to investigate.

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What are the OFT? As in what does it stand for?

 

Wow so looks like these bodies are of no help then.... Such a joke. Well I'm going to send the complaint off in writing as suggested very soon and will let you all know of the outcome.

 

Kind Regards

Fay

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OFFICE OF FAIR TRADING, amongst other matters the administration of CCA 1974 is their responsibility.

 

Soon to be superseded by the Financial Conduct Authority, (FCA).

 

These bodies do not reply to individual complaints, but the FCA apparently will take a pro-active stance.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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