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loner

Swift advances

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In 2007 me and my then husband took out an additional secured loan on our property with swift in joint names for the amount of £10k the money was to do up the house.

 

 

In February 2007 the loan was granted to be paid back by Feb 2017

in the same year me and my husband split up which resulted in a divorce soon after.

I was left with a loan, mortgage and 3 very young children to bring up on my own.

 

I informed the company with the changes in my circumstances but was ignored

instead advised that I was liable for the full amount as I was the resident in the property in question.

 

As time went by I paid what I could afford, on many occasions falling into arrears.

With the help of family and friends I still managed to pay the out standing amount but could never catch up to the interest and charges put on the arrears.

 

It has now come to the point the contract is due to expire in February 2017

I have already paid the company a sum around £16/17k

but the company is demanding a further £24k and has placed a charge on the property.

No chance I have that kind of money to pay Swift.

 

I believe the company has been unjust and unfair.

They have made no attempts to chase my ex husband for the out standing amount.

I need to know if anyone thinks I may have a case?

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Do you have all the statements loner?

If not i would send a SAR to swift, dont forget to include a £10 postal order.

 

Your account will be littered with all sorts of charges which you can reclaim.

 

Search "swift" in the cag searchbar (red one at the top) for similar cases


PLEASE HELP US TO KEEP THIS SITE RUNNING

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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.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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Hi Martin,

 

Sorry for the late reply.

Yes I have all the paper work including a copy of the original contract that has bot our signatures.

I have also noticed that each time I have requested for a redemption figure over the phone,I was advised that the figure can only be sent out in the post, this yet again came at a cost.

 

Every time they put pen to paper they have charged me bucket loads, I feel like im in quick sand and I keep sinking deep.

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Have a read of the link dx has posted above and then gonthrough your statements from day 1 and list all of the charges in our CISheet and post it up for us, then we can guide you through reclaimimg them all back, plus interest.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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hi dx100uk

 

Thank you for the link I have seen all that was written in the message but not yet clicked on the links. I can tell you from dealing with my case that I am in the region of £10,000 in charges and fees been applied to the loan.

I have now instructed a solicitor to have a look into my case and see if I am able to take swift to court.

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urm..they've no more clout that you or I

waste of money


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Hi dx100uk

 

I have now taken time to read the links and liked it very much,

 

 

in fact I was smiling thinking there may be yet hope for us all.

 

I have applied on line yesterday with the FSA, it could take 2/6 days for them to respond.

 

I know what you mean dx100uk

but I have exhausted all avenues when it comes to trying to resolve my matter with this company

they are not wiling to comply with no matter what my situation may be.

 

 

My property has 80% equity which I can see them sat rubbing their hands to get hold of.

 

I have searched and searched on this company and all the response I see if everyone failing to find a way out.

I want them to know that I will fight this with all my power and more, for my sanity and my kids.

 

:-xsorry to sound so emotional but for those who have dealt with companies like this in similar situations will know how I feel.

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Hi Determindator,

 

I have read the link and reread the copy of my original contract I cant seem to find the tick box for PPI anywhere on the contract.

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If you can add up 10k in charges from the statements, then once you add in 8% stat interest from the date the fee was applies to present day, i think you will find the total will far outweigh what they claim you now owe.

 

If your a little more confident and can argue then it might be worthwhile looking at compound interest which would be the contractual rate you had on the loan.

 

Compound interest would leave them no doubt owing you money!!

 

And then theres the PPI, havent started with that yet !!


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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the following shows on the contract

 

amount of credit; £9,000

 

monthly repayment; £146.67

 

number of repayment to be made; 120

 

16.4% APR variable

 

interest %7,475.40

 

brooker fee; £900

 

admin fee; £225.00

 

total charge for credit £8,600.40

 

at the rate of interest ; 12.24% variable

 

figures outstanding from September 2016 as follows; (taken from statement sent from swift)

 

payments due; £17,267.47

 

credits; £16,694.03

 

fees charged ; £9,344.32

 

arrears balance; £303.44

 

total owed balance; £19,167.04

 

hope this gives a more clear picture

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fees charged £9,344.32!!

 

 

and that's without interest too.

 

 

bingo!!


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I have asked the ombudsman to look into the PPI

 

i have bags and bags full of statements, letters and more that have been sent to me and in the name of my ex husband

not to mention the same letter then sent to both our names (what a joke)

and each time a letter is sent out there is a charge

so most likely they have charged e for all 3 same letters sent out!!

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There are two different apr percentage figures if you can make clear for us please.

 

 

Contact Swift to send you a letter showing the interest rate changes, if any, over the period of the loan.

 

 

It's usual they change them over the loan period.

 

 

You will need this info before completing a spread sheet.

 

 

In the same contact request a loan statement from the start of loan to present showing your payments and charges taken.

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Thank you determindator

 

I have the most latest statement stating all he figures paid from start until now but I don't have a letter stating what APR has been charged.

I will contact the company tomorrow to request this information.

This is so draining....

 

Thank you

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are you ok doing the spreadsheet?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Not only do swift charge you for sending you a letter, i think its about £33 a time, they also have the bare cheek to charge you to receive a letter from you aswell, unbelievable!!

 

If you are ok completing the spreadsheets you should be using an interest rate of 12.5%


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

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.

 

 

 

GEMHL Settled

Barclaycard Settled

A & L SETTLED IN FULL :lol:

Spml Reluctantly withdrawn

Blackhorse pre 31-7-06 Demand removal sent 23 8 06. ICO ordered removal jan 2007....REMOVED:lol:

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dx100uk I shall be fine doing the spread sheet not a problem as long as I have all the info needed. And thank you everyone that has helped me so far .

dx100uk I don't think you have to be and expert but when your thrown into the deep end you end up learning so much more and see a new world.

I think the biggest fight can be forth with wit and determination. I have both even through I feel drained I have come so far not to lose but fight on....

 

And when you have good people on here like your self and others to guide and mentor you then it would be foolish of me not to take this matter the whole way and see it through. I might not win but least I would have given it my all.

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If you are ok completing the spreadsheets you should be using an interest rate of 12.5%

 

What is the reason for this flat rate please Martin if the rate changes over time.

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I will get on to the spread sheet tomorrow with a fresh head.

I will go through the last statement I received to date and put it al on the spread sheet.

Then work out the percentage charge for each charge and then a total percentage of charge to date and interest paid to date on the charge to date.

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What is the reason for this flat rate please Martin if the rate changes over time.

 

 

you have a point, would you advise I contact the company and ask for each charge and interest charged on each charge too?

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just a point

if you use the CISHEET here

http://www.consumeractiongroup.co.uk/forum/showthread.php?330996-Latest-Spreadsheets-PPI-Claims-and-Charges-Claims-Dec-2011

 

 

all you have to do is put each PENALTY charge in individually

on its own line

then put the Int rate in cell D15

the sheet does the rest for you


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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you have a point, would you advise I contact the company and ask for each charge and interest charged on each charge too?

 

With DX's reply it seems a letter from them stating the interest rates and dates they changed is needed.

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 801 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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