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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Swift after repo on £30k debt of which +£12k is charges +£2k is PPI!!


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statements are above as a hidden attachment.

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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No worries , it will b done by tomorrow afternoon, pm me an email addy and I'll send the completed CIsheet back to you so you have the full package for the OP

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post it here

as an att

it doesnt have to have any OP details

upload as an XLS

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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Hi there, what defence did you enter for the hearing in August and have you written any sort of statement for the one on Monday ?

What did the court ask you to do at the last hearing ?

Help us to keep on helping

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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Hi there, what defence did you enter for the hearing in August and have you written any sort of statement for the one on Monday ?

What did the court ask you to do at the last hearing ?

 

i made a proposal for payment of £250 per month but was rejected by swift

the judge suggested i contact shelter and get some advice on a time order but after coming on this forum i dont think a time order is appropriate especially if the balance is dodgy

 

what do you think?

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Is the whole balance they are after made up solely of charges and PPI ?

Help us to keep on helping

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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i'll try and work on that over the coming 24hrs ell

looks like it too me

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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Share on other sites

we borrowed £10000

£2825 ppi & broker fee

paid £23262.75

loan term ended april 2016 but swift claiming we still owe them £30409.24

 

how can that be possible??

 

court date monday 26/09 @ 10.20am

 

i'll try and work on that over the coming 24hrs ell

looks like it too me

 

tnx DX

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just look at the statements ell-enn

I hadn't

£23 being charged weekly for arrears management.

 

oh and ive rotated the scans now too opps ...:lol:

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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Share on other sites

Spreadsheet completed, see attached

Swift CISheet.xls

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

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I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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Good grief ! how do they think they're going to get away with that. You need to take all the calculations regarding fees and the statments showing these fees to court to show the judge and also advise that you are raising a complaint for unfair treatment.

Help us to keep on helping

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 was also around 2-3k in litigation and solicitors fees which havent been added to the spready. They coukd always be added in later.

 

Used an average 12% which is about right over the term

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great work

i'm wondering if we do put them in now

they can always be taken out?

 

 

PPI will be later tonight sadly

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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Share on other sites

Good grief ! how do they think they're going to get away with that. You need to take all the calculations regarding fees and the statments showing these fees to court to show the judge and also advise that you are raising a complaint for unfair treatment.

 

This is the problem with Swift. The loan is set up to fail.

 

Many were sold by Swift knowing the borrower wanted to consolidate debts and end up in a better position. This could never be.

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This is the problem with Swift. The loan is set up to fail.

 

thank you everyone for all your help

 

Good grief ! how do they think they're going to get away with that. You need to take all the calculations regarding fees and the statments showing these fees to court to show the judge and also advise that you are raising a complaint for unfair treatment.

 

so should i print of the spreadsheets and take them to court with me Ell?

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I'll get back to you tomorrow with some suggestions.

Help us to keep on helping

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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oh yes...

and the PPI.

 

yes present those to the judge.

 

PPI i'll try and bash out tonight

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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Your welcome sofi and yes thats reclaimable.

 

I might also suggest adding in the litigation and solicitors fees. If nithing else it gives you more room to negotiate.

 

And we havent seen the PPI calculations yet.

 

As previously said, once the legwork is done, they will no doubt owe you. A considerable sum!!

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

Click Here To Make A Donation

I am not legally trained or qualified, any advice i offer is gleaned from experience and general knowledge, if you are still unsure after receiving advice please seek legal advice.

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Your welcome sofi and yes thats reclaimable.

 

I might also suggest adding in the litigation and solicitors fees. If nithing else it gives you more room to negotiate.

 

And we havent seen the PPI calculations yet.

 

As previously said, once the legwork is done, they will no doubt owe you. A considerable sum!!

 

thank you all very very much

 

one thing i dont understand is on what grounds can i claim it all back??

i understand ppi cn be claimed as i didnt tick the box but the rest

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