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    • Thank you. If you declared £300 only as the value when you send them off then I'm afraid that that is all you will be to claim for. Why did you do that when you knew that they were so much more valuable? Of course the insurance cover you paid for was only for that value as well. Please read around this sub- forum very carefully at some of the other Hermes threads and see what we have to say about their lost items, their prohibited items list and their so-called insurance cover and how it is ridiculous to require you to insure them against their own negligence or criminality. I believe that one of the items on their prohibited items list is musical instruments and this may eventually be a basis for then denying liability. However we don't know yet. You haven't addressed the question as to whether or not you've put a formal claim into Hermes and whether they have responded.
    • harveys went down june this year,    and who are they above?   sorry for all the questions but its very important to know who to fire arrows at and what type of arrow  more to come but answer the above first please   dx  
    • Declared when i sent them and paid for , sorry not used to typing this sort of stuff.   From a reference point, its like buying a car then removing the engine, sending the engine away for work and it gets lost. does that help.  
    • Multipage pdf attached Also included was 50 pages of statements and a financial questionnaire form which I haven't scanned. 02_12_2020.pdf
    • there are no rules that dictate an OC or a DCA debt buyer has to cease contact nor destroy data after 6yrs, nor that once a debt is statute barred the owner is not allowed to contract you requesting payment.    you need to remember that SB in E&W simply means a debt cannot be enforced, so DCA's don't bother with court.   it appears you might of been one of the many people that followed advice by members at the time to enter into all many of pointless letter tennis, sending this letter and that letter and most probably gained from this the idea that at some point, because people genuinely believed all the stuff stated in the letters banded around actually meant something,  it nailed debt owners into a box and they would stop and comply.   well no immunity cape batman, most of it was utter twaddle, however, the FCA conc rules of 2015 are a very useful tool.   i would be sending the relevant dca's a copy of our statute barred letter, in that you'll see a mention of conc, once they have that, should they still pester, some compo might be owed.
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Swift Advances (Britannia Capital Securities)


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Hello! 
 

I am desperately looking for some support.

 

Hello,

 

My mother took an unregulated secured loan in 2001 for a total amount of £31,075 including PPI which we have tried claiming back but was sold through broker who now don’t exist. 
 

When we requested SAR in Oct 2019 having added up payments made up to that point and including all payments sent up to sept 2020 she has paid £81,895.40 and still owes approx £40,000 (not an updated settlement figure) 

 

unfortunately she did default a few times in the first 3 years of the loan agreement however has not defaulted since November 2004.  
 

We frankly can not make head nor tail of the charges and subsequent interest added on the charges. 
 

I am so desperate to make some headway and get some clarity on what to do for her. 

 

PLEASE PLEASE CAN SOMEONE HELP!!!!

 

I’m happy to privately email, call anything! 
 

she is struggling under the weight of this awfully unlawful debt!!!

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you need to look for any fixed fee penalty charges like arrear/default/letter/phone call / debt management etc

these will be a fixed sum like £40 say 

 

then you pop all those in our spreadsheet and pop in their int rate and it should give you a reclaimable figure

the same can be said for PPI.

even though it was sold through a broker swift should have done a plevin reclaim as they would have received hidden commission for selling it i bet!!

 

dx

 

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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Okay that’s great. Which spreadsheet are you talking about? where would I find that? 
 

on the paper work under arrears column these a figure and some times the figure is in brackets. Do you know what the difference is between a arrears figure with and without brackets?

 

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not of the top of my head

however if you wish to scan them to one multipage PDF we'll look see

read our upload guide carefully please

 

as for the spreadsheets

what was their int rate PA?

 

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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I will defo scan them in and send it over to you. 
 

what’s “int rate PA”? 
 

sorry I’m new to looking at all this stuff? 

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interest rate Per Annum.

 

you don't send them to me you attach them as a single file multipage pdf 

read upload

 

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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So when taken out the interest rate was 1.02% monthly which is the same as 13.01% annually. It has risen to 14.04% a year now. 
 

 

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https://www.lemonfool.co.uk/financecalculators/apr-rate-converter.php

 

you MUST enter each charge on the date it was levied.

 

try the FOSCI sheet first ...

.put their APR in cell D15 see what the gives.

 

 

also try the same set of 3 cols of your data in the statint sheet (use copy and paste)

 

see which gives a better result ..

 

 

 

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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Can I ask, once I have done these forms what am I looking for? 

Have there been successful claims against Swift Advances Ltd for unfair charges? 

Every topic on the forums stops at this points. Once I have done these forms whats the process?? She is still paying over £600 a month and I am desperate to give her some light at the end of the tunnel? 

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the issue here is it's secured

i will gather she is the sole owner of the home?

 

swift are not nice people

sadly as you see 

very few people ever bother to update us

 

lets see these sheets 1st please

so we kbnow what cards we are playing with to dispute the debt atleast

 

dx

 

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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Yes she is the sole owner of the house.

 

swift are horrific, they are so horrid and I am desperate to help her in any way! 
 

I will get these forms completed and I am prepared to battle and fight if needed. 
 

thanks so much talk soon. 

 

Hi So I have done the 2 forms, This is what it says.

There are no Charges since 2009 up to 2019. 

Is this any good?

StatIntSheet v101.xlsx - SP PPI - FOS.pdf FosCISheet v101 (1).xlsx - COMPOUND INTEREST CALCULATOR.pdf

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not sure what happened to the statint sheet...looks like you over wrote cells.

 

so they have already litigated over this debt ?

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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Yeah I'm not sure about what happened to that sheet. 

My mum has no idea what that is all about, they have never sought legal action at all. 

I have managed to get all the stuff on to a PDF however it is over 4.88mb so wont let me upload it. 

 

 

 

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had to removed the link

her details are showing from page 7

 

 

 

 

dx

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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link has no access

 

dx

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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just says you need access.

you need to make it public.

 

dx

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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can you please refrain from using any hosting sites now please

 

read our upload guide carefully (esp about using pdfreducer websites)

and pop the PDF up here.

 

can you also rotate the images!!

 

thank you

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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