Jump to content

 

BankFodder BankFodder


  • Tweets

  • Posts

    • Different statements. One has “at 59 mph overtaking on the approach” and the other “it was overtaking on the approach and in ....... at 49 mph”. So not the same statement (same ethos, different sentence structure).   perhaps they chose that site for the officer because it is an accident hotspot, and they know people do dodgy overtakes (while speeding) there .....??  
    • Hi.   I've moved your thread to the Bailiffs forum. People should be along to advise later.   HB
    • So a little update;   Of the 6 letters I sent 3 were acknowledged. One accepting £1/month for now and two from the same creditor trading under different names asking for full I&E which I haven't done.   In a moment of madness I managed to depsoit 5k to a gambling site I didn't have due to paypal's crazy policy of allowing payments which are to be collected by direct debit after a couple of days to gambling sites! Mad they allow this but this will show as a negative paypal balance (in a different account to the original "debt"). The first paypal -£5k account has been closed and passed to a DCA now. I have ignored them.   My council has appeared to have stepped up their collection efforts for £2.5k in alleged housing benefit overpayment from 2015/16. I have acknowledged their letters over the past 3 years each time by email but they rarely respond to my pleas. I truly think if there was overpayment then it was for less than half the amount they claim. At the time I didn't think I was being overpaid because I wasn't really working but I had stopped claiming JSA/ESA (and told them as much) but earned a couple of hundred pounds a month from sporadic work.   Also what I thought was a dormant debt from 2016 to Halifax has been actually sold ( to caboot? I think. Hard to keep track of everyone)   I've been getting phone calls daily but ignoring them for the most part. I did request all communication in writing in my original letters.   I feel incapable of dealing with these creditors and whilst initially I was feeling that I would be happy to just ignore all the letters (arreas, defaults and the like) and phone calls for an indefinite amount of time and  hope to make it 6 years to statute barred-ness and accept or defend any CCJ attempts that did arrive. I figured that avoiding these creditors for 3 months so far is 5% of the way there to statute barred! But I figre for these fairly sizeable amounts they probably won't all let it go and I will get some CCJ docs (never had to deal with that) However now my mood and thinking has changed.    I am looking again at insolvency. I'm over the DRO limit now so its BR or nothing. I was wondering why you said to not consider this and it would be stupid @dx100uk? Although shirking my debts/responsibilities it does seem like an "easy" way out at the moment. It would be so nice to know that what's done is done and to be able to draw a line in the sand and start again in a year or so and not have to avoid creditors or worry about what's coming next...   It certainly would help the environment what with the amount of letters that are arriving already(!) considering the first payment I missed was october/november (excluding the old halifax and council debts). I am exordinately stressed about it now even though I thought I would be already . Any advice would be great if it was to get my head out of the sand and contact people/do the ignoring thing and seeing what happens/reasons  to do or not to do bankruptcy for these unsecured debts?   Thanks      
    • Hi everybody   Had a knock on my door and was confronted by either a Bailiff or enforcement agent (not sure about the specific job title). When I opened the door he stuck his foot in so I couldn't close the door. I was video taping him so I took a few steps backward (to get him in shot) and he just fully entered the property despite me saying that I was denying him entry and he refused to leave thereafter.   Turns out that he was there to collect a court issued fine. I think from a Magistrates Court. He worked for this outfit:   www.marstonholdings.co.uk   The reason for the fine was something to do with "driving without car insurance". Now I had a cheap car a few years ago but it broke down and would cost more to fix than it was actually worth. So I sold the car for scrap and cancelled the insurance. Turns out you have to inform the DVLA when you scrap a car and them that it is no longer on the road (I was unaware). So this was the circumstances of the visit.   My question is did he have the lawful right to enter the property? I always thought these people were like vampires i.e. they can only come in if you invite them in.   tia Bear  
    • oppss again then if its the same person.   knows the road well so should know what the speeds are and where they apply..      
  • Our picks

duchess777

Swift advances

Recommended Posts

Hello

I obtained a loan from swift in 2008 , I asked to borrow £25k to repay a nother loan ,

did not realise about Swift

 

when I eventually got the papers some years later they included £4k which they said they gave me in a cheque .

I informed them I have never had a cheque from them ,

 

they refuse to tell me where the cheque was cashed according to their records .

I claimed my PPI back from them

 

they said they can continue to charge me for it as I was in arrears and they did not have to take off the PPI as I was in arrears . 

 

I have paid them over £40k and they are seeking a resettlement figure of £67k.

 

can anyone help and advise please .

Share this post


Link to post
Share on other sites

sounds about right for these sub prime lenders.

send them an SAR

get everything they have then we can unravel the web they always weave.


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

you are here on your topic about your dealings with swift

you need to send them an SAR. [click it]

get all the info first .

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Thank you so much . a company applied for a SAR on my behalf and I note that details are missing .

 

I asked for a settlement fee and came home to find they want £67k, for a loan of £25k, £4k for PPI

they refunded but keep charging interest and the cheque .

 

I have already paid them £38k  in total they want £105k.

how can this be . helpppppppp!!!!!!.

PS I am happy to donate to this site do tell me how .

Share this post


Link to post
Share on other sites

what do you mean by a 'company' 

don't name them, but they wanted a fee to try and sort the mess out?


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Good Morning .

they were trying to get a refund on my mortgage , they did not want a fee.

Share this post


Link to post
Share on other sites

where has this site gone been trying to find post on swift advances and cannot find anything can anyone help please ?

Share this post


Link to post
Share on other sites

Hi.

 

We still have a Swift Advances forum, here's a link to your thread in it.

 

 

HB

  • Thanks 1

Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites
Quote

 

Hi is there no recent post or other members website 

Regards

Duchess

Share this post


Link to post
Share on other sites

Hi.

 

I'm not sure what you're looking for. What do you mean by other members' websites please?

HB


Illegitimi non carborundum

 

 

 

Share this post


Link to post
Share on other sites

Hi Honeybee

The latest post is  some years ago I was hoping there were further recent updates want to share some concerns .

Regards

Duchess

Share this post


Link to post
Share on other sites

If you are seeking to post something on that thread, it was closed due to in action but it is now open again and you should post there.


Share this post


Link to post
Share on other sites

It sounds to me as if you have gone to some kind of claims management company for help and that they are going to charge you a very hefty percentage of anything they recover.


Share this post


Link to post
Share on other sites

ok thank you

Share this post


Link to post
Share on other sites

one of these write off your mortgage companies no doubt

total waste of time

 

 

did you send a new sar


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Hi I found a great company waiting to get some funds but they deal with swift advances , they dealt with a friend mortgage and got great results they are called (removed - dx) do try them . 

Share this post


Link to post
Share on other sites

we don't allow adverts if that's all you've come here to do please removed name

 

dx

 


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

Hello 

first apologies , did not know I could not name the company . I will apply for a SAR as they have told me that they will need a hundred and sixty two thousand  and I have already paid fifty five thousand  in seven years to finish of my loan . for a loan of 25000 without no proof of  giving me a cheque , and PPI gone they want how muchhhhhhhh surely this cannot be right .

Share this post


Link to post
Share on other sites

Create an account or sign in to comment

You need to be a member in order to leave a comment

Create an account

Sign up for a new account in our community. It's easy!

Register a new account

Sign in

Already have an account? Sign in here.

Sign In Now

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...