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    • don't get too hung up on the real meaning of 'fake' in terms of the documents a claimant might produce relating to a potential court claim. by fake we typically mean, they are not obviously the 'real McCoy' ,100% associated with whatever credit they are trying to pin on punters. they are often of the right 'version' that an OC would have used for that particular take out date, but with details inserted in a diff font where they should be for say your name address DOB etc. All DCA's typically  have filing cabinets covering each year for most creditor, whip 'em out, scan and copy n paste your details onto them, even easier now with online sign ups. no hard copies ever sent cause 90% of mugs have lost them..... one of our most powerful tools is the fact any docs they produce, unless they state they are 'a reconstruction'  MUST come from the original creditor noty some hidden pile the claimants have. Link are absolute masters at this so dont stick to lowell threads. dx    
    • Driving home last night I contacted wing mirrors with a car coming the opposite way. The wing mirror folded in and the glass popped out. Very minor damage.  I stopped at the next layby (A road) to repair the mirror. A passerby stopped and said they saw the other car stopped behind me in another layby - they went back and passed over details so we could get in touch.  The conversation started cordially, but quickly got heated when I said I was well on my side and they drifted over (which is what happened).  I wasn't going to bother filing a claim as there isn't enough damage to justify it. So I've said to the other party lets just call it quits as there are no witnesses and we both think we are innocent.   they said they are contacting the police and insurance and that they have witnesses. But a quick facebook search found a post by the other person saying they were in a crash, and were 'spun' off the road. Picture of a broken wing mirror and a slight scuff on the front and rear wheel arch. they are asking for witnesses. I have screenshots of the post, and sent them another message saying I can see you dont have witnesses as you are appealing for them. I'd really not drag this out. Lets call it quits and move on. this was followed by a couple of messages that didn't really make much sense. e.g. 'do the right thing'. What should I do now?  Contact police?  Contact my insurance? - Can I tell them about this incident but say I dont want to claim? Will that affect my premium?  
    • So this is the crux of the argument. The scrappage contribution should have also been counted as a deposit. It was literally a part exchange in return for a cash deduction so there is no reason it wouldn't be treated the same way.  I did not request a VT, I was struggling to pay after a separation from my partner at the time. However had the figures been reflected correctly, the VT cost would have been 2k not 9k and I may have considered it as an option. Instead, the car was marked stolen and removed from my possession by the police
    • LOL - old one the fiver theory - although with the poops its take a fiver now, promise 10p  sometime in the future while claiming the reverse theory   So when is jenrick, an apparent slam dunk as referenced higher in the thread, being referred to the police? These poops need to know that anything they throw will be returned .. with interest  
    • Yup, it isn't a criminal case, it's hard to prove, but take a detailed look at my thread to see how many holes there are in what they have sent me, there is a picture building.
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Swift Sterling wont respond to my complaint


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The FOS can't do anything with Swift Sterling / Pounds Till Payday, unless your loan was taken out this year.

I spent a couple of weeks asking for my info from Northway Financial and got no response,

 

 

i went through my bank account and worked it all out myself.

Sent them a complaint and still had no response.

I then forwarded the complaint to the Malta FSA who responded a couple of days later to ask if I'd given Northway 8 weeks to respond.

I forwarded her all the emails I sent to Northway's complaints department

(including those from a year ago when they temp stopped lending, where I was practically begging them to sort their systems out as I had no money at all. Her response was she would hold the complaint until 8 weeks were up.

 

If i'm honest I wouldn't fancy anyones chances of getting anthing out of Northway.

I worked out since Dec 2010 I'd borrowed £43k and paid back £56k!!

Add another few thousand before then as I was borrowing since 2008 then that is a lot of money.

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any ideas as FOS cant do anything....... can they?

 

they sent me a summary of my account and thats the only contact ive had off them.

 

 

How have you made your complaint - in writing to their Head/Registered office ?

 

 

Have you sent a Subject Access Request ? If not, then that might be worth doing - they have 40 calendar days to respond, after which time you can then escalate yoru complaint to the Information Commissioner - or even take legal action against the company yourself to force them to comply.

 

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request-**Updated-January-2015**(1-Viewing)-nbsp

 

 

What exactly is the nature of your complaint - if you have made it in writing and headed your letter FORMAL COMPLAINT, then again, they are obliged to comply within 8 weeks - if they dont, then yes - you can escalate to the Financial Ombudsman.

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Hi

Forgive me if I seem a bit dumb but Swift Sterling are a UK company, registered with the FCA so I cannot see why the FOS cannot get involved with any complaint

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They have only been a UK based business since Dec 2015.

Before that they were based out of Malta.

 

 

I think the new company have just bought the websites and names, or its a way for Northway Financial (who did own them) to keep a license to operate in the UK.

 

 

The FOS have said they can not investigate Pounds Till Payday or Swift Sterling for anything before December.

You have to go to the Malta FSA

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i sent an email 1st requesting a summary of my accounts, which they emailed to me......... then i put in a complaint for irresponsible lending via there customer care email.... and have heard nothing.

 

is this the correct address if i send a complaint via post?

 

2) In writing:

Please write to us at:

MMP Financial Limited

SwiftSterling.co.uk

Forward Building

46 Windsor Road

Slough, Berkshire

SL1 2EJ

 

or are they still northway finance?

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I believe the response you'll get will be "nothing to do with us" I've seen that response on other forums, people who have took it to the FOS have had a "nothing we can do, you need to complain to Malta FSA" If you want to complain about Swift Sterling i'd send a letter to:

 

Head Office Malta

Northway Group.

Level 5, Plaza Commercial Center

Bisazza Street

Sliema SLM 1640

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  • 2 weeks later...

Hi there, not hijacking your thread, but I have this problem with pounds till payday.

They have not acknowledged or even responded to my complaint either.

I have followed their complaints procedure and its now 8 weeks.

 

Although the FOS will not look into the original complaint,

I'm wondering if they would look into the complaint that they are 'not following their own complaints procedure' now that they are registered?

Surely they should respond even if its a big 'NO'?

First letter to halifax sent rec del 26/4

Data Protection Act letter to capital one sent rec del 26/4

Halifax 1st offer dated 5/5

Capital One ack Data Protection Act request rec 6/5

Request for repayment to Capital One 2/8

LBA sent 22/8

Court proceedings issued 13/10

Settled in Full 9/11

Donation made 14/11

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  • 3 weeks later...

burke, I would just get a complaint into the Malta FSA.

By the sounds of things there is only one person in their complaints department and she is swamped, but at least it will get the ball rolling.

 

 

Northway only replied after I messaged the Mata FSA.

There is something funny going on there as they keep pushing back a response by 2 months.

I don't think they know what they are supposed to do with complaints!!

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No problem burke. They actually replied about a week after I contacted the MFSA with a letter that was 4 pages long, 3 of which where my loans over 7 years and a very quick rejection of my complaint as a final response. Sent it straight to Pauline Tonna at the MFSA who asked for 2 months to investigate.

 

Good luck, this isn't going to be an easy win, if a win at all

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