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    • S13 (2)The creditor may not exercise the right under paragraph 4 to recover from the keeper any unpaid parking charges specified in the notice to keeper if, within the period of 28 days beginning with the day after that on which that notice was given, the creditor is given— (a)a statement signed by or on behalf of the vehicle-hire firm to the effect that at the material time the vehicle was hired to a named person under a hire agreement; (b)a copy of the hire agreement; and (c)a copy of a statement of liability signed by the hirer under that hire agreement. As  Arval has complied with the above they cannot be pursued by EC----- ------------------------------------------------------------------------------------------------------------------------------------------------------------------- S14 [1]   the creditor may recover those charges (so far as they remain unpaid) from the hirer. (2)The conditions are that— (a)the creditor has within the relevant period given the hirer a notice in accordance with sub-paragraph (5) (a “notice to hirer”), together with a copy of the documents mentioned in paragraph 13(2) and the notice to keeper; (b)a period of 21 days beginning with the day on which the notice to hirer was given has elapsed;  As ECP did not send copies of the documents to your company and they have given 28 days instead of 21 days they have failed to comply with  the Act so you and your Company are absolved from paying. That is not to say that they won't continue asking to be paid as they do not have the faintest idea how PoFA works. 
    • Euro have got a lot wrong and have failed to comply with the Protection of Freedoms Act 2012 Schedule 4.  According to Section 13 after ECP have written to Arval they should then send a NTH to the Hirer  which they have done.This eliminates Arval from any further pursuit by ECP. When they wrote to your company they should have sent copies of everything that they asked Arval for. This is to prove that your company agree what happened on the day of the breach. If ECP then comply with the Act they are allowed to pursue the hirer. If they fail, to comply they cannot make the hirer pay. They can pursue until they are blue in the face but the Hirer is not lawfully required to pay them and if it went to Court ECP would lose. Your company could say who was driving but the only person that can be pursued is the Hirer, there does not appear to be an extension for a driver to be pursued. Even if there was, because ECP have failed miserably to comply with the Act  they still have no chance of winning in Court. Here are the relevant Hire sections from the Act below.
    • Thank-you FTMDave for your feedback. May I take this opportunity to say that after reading numerous threads to which you are a contributor, I have great admiration for you. You really do go above and beyond in your efforts to help other people. The time you put in to help, in particular with witness statements is incredible. I am also impressed by the way in which you will defer to others with more experience should there be a particular point that you are not 100% clear on and return with answers or advice that you have sought. I wish I had the ability to help others as you do. There is another forum expert that I must also thank for his time and patience answering my questions and allowing me to come to a “penny drops” moment on one particular issue. I believe he has helped me immensely to understand and to strengthen my own case. I shall not mention who it is here at the moment just in case he would rather I didn't but I greatly appreciate the time he took working through that issue with me. I spent 20+ years of working in an industry that rules and regulations had to be strictly adhered to, indeed, exams had to be taken in order that one had to become qualified in those rules and regulations in order to carry out the duties of the post. In a way, such things as PoFA 2012 are rules and regulations that are not completely alien to me. It has been very enjoyable for me to learn these regulations and the law surrounding them. I wish I had found this forum years ago. I admit that perhaps I had been too keen to express my opinions given that I am still in the learning process. After a suitable period in this industry I became Qualified to teach the rules and regulations and I always said to those I taught that there is no such thing as a stupid question. If opinions, theories and observations are put forward, discussion can take place and as long as the result is that the student is able to clearly see where they went wrong and got to that moment where the penny drops then that is a valuable learning experience. No matter how experienced one is, there is always something to learn and if I did not know the answer to a question, I would say, I don't know the answer to that question but I will go and find out what the answer is. In any posts I have made, I have stated, “unless I am wrong” or “as far as I can see” awaiting a response telling me what I got wrong, if it was wrong. If I am wrong I am only too happy to admit it and take it as a valuable learning experience. I take the point that perhaps I should not post on other peoples threads and I shall refrain from doing so going forward. 🤐 As alluded to, circumstances can change, FTMDave made the following point that it had been boasted that no Caggers, over two years, who had sent a PPC the wrong registration snotty letter, had even been taken to court, let alone lost a court hearing .... but now they have. I too used the word "seemed" because it is true, we haven't had all the details. After perusing this forum I believe certain advice changed here after the Beavis case, I could be wrong but that is what I seem to remember reading. Could it be that after winning the above case in question, a claimant could refer back to this case and claim that a defendant had not made use of the appeal process, therefore allowing the claimant to win? Again, in this instance only, I do not know what is to be gained by not making an appeal or concealing the identity of the driver, especially if it is later admitted that the defendant was the driver and was the one to input the incorrect VRN in error. So far no one has educated me as to the reason why. But, of course, when making an appeal, it should be worded carefully so that an error in the appeal process cannot be referred back to. I thought long and hard about whether or not to post here but I wanted to bring up this point for discussion. Yes, I admit I have limited knowledge, but does that mean I should have kept silent? After I posted that I moved away from this forum slightly to find other avenues to increase my knowledge. I bought a law book and am now following certain lawyers on Youtube in the hope of arming myself with enough ammunition to use in my own case. In one video titled “7 Reasons You Will LOSE Your Court Case (and how to avoid them)” by Black Belt Barrister I believe he makes my point by saying the following, and I quote: “If you ignore the complaint in the first instance and it does eventually end up in court then it's going to look bad that you didn't co-operate in the first place. The court is not going to look kindly on you simply ignoring the company and not, let's say, availing yourself of any kind of appeal opportunities, particularly if we are talking about parking charge notices and things like that.” This point makes me think that, it is not such a bizarre judgement in the end. Only in the case of having proof of payment and inputting an incorrect VRN .... could it be worthwhile making a carefully worded appeal in the first instance? .... If the appeal fails, depending on the reason, surely this could only help if it went to court? As always, any feedback gratefully received.
    • To which official body does one make a formal complaint about a LPA fixed charge receiver? Does one make a complaint first to the company employing the appointed individuals?    Or can one complain immediately to an official body, such as nara?    I've tried researching but there doesn't seem a very clear route on how to legally hold them to account for wrongful behaviour.  It seems frustratingly complicated because they are considered to be officers of the court and held in high esteem - and the borrower is deemed liable for their actions.  Yet what does the borrower do when disclosure shows clear evidence of wrong-doing? Does anyone have any pointers please?
    • Steam is still needed in many industries, but much of it is still made with fossil fuels.View the full article
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      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Swift advances


duchess777
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Thanks Duchess,

 

One slight correction for which I must apologise:

 

The Document you need to ask Swift for is called the 'Actuarial Accrual Account Summary sheet', not the Actuarial Account Summary sheet. Sorry about that.

 

So, you have an Unregulated Loan Agreement which means at the time of execution was not regulated by the Consumer Credit Act 1976 because it was over £25k.

 

1) Were any of the previous loans (the car loan for example) secured on your property as a second charge loan?

 

if so,

2) was it a condition of Swift Advances that before you could take the 25k loan, you had to pay the other loans off so  they  would have a clear second charge on your property behind your main Mortgage Lender who held the 1st Charge?

 

3) You say you never received any money (cash) from this loan after they had paid the mortgage arrears and car loan etc., but was there even 1p ever paid to you from this overall loan? If so, how much?

 

4) Can you recall what this £4000 they say they sent you was for or where it fits into the structure of the loan?

 

You really do need to insist that they provide proof of this payment, cheque number, date issued, Bank drawn on, date it cleared through their account to show it was paid and into which account it was paid into when it cleared.

 

Keep pressing for it. Keep insisting on it.

 

5) Have Swift commenced litigation against you for possession at any time and what is the status of this account with them as we speak?

 

The reason I am asking all this is because the structure of the loan is important as are the charges applied and the interest on same. If you end up in court, the courts will invariably favour Swift and they will employ barristers, at your expense (added to your account), which compounds your problems in what you owe them.

 

What you then have to do is mitigate those costs or they'll skin you rotten. It's never easy against Swift. They are a well-oiled machine.

 

I cannot offer any miracle cure here, but somehow you may be able to mitigate costs and what you end up having to pay them. I have no legal training so do not sit back waiting for Swift to act, get proper legal advice if Swift are gunning for you.

 

I am trying to strip this down to all it's component parts so we know exactly what we are dealing with here, if that's okay with you? No false hope - okay?

 

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got so booted and almost finished my reply . Thanks for the response .

 

1. I am not sure if the other loan was secured on my property , I have to check .

 

2 I know i them I told them about the car loan and that they said this will have to be paid off , at the time it made sense.

 

3 I never received a penny , I received a phone call from the brokers to say that the car loan and mortgage was paid and there was no residual money , I remember this as my daughter wanted to go on a school trip and I could not afford to let her go . 

 

4  I have tried and tried to get swift to tell me about the £4Kcheque they said they know it was cashed as the bank told them so , they have no idea where it was cashed as they do not have the record , year after year I have asked them, always the same response .

 

5 they did on two occasions and never produced my written statement to the courts, on the last occasion the court asked them to tell me about the £4k cheque,  they said I have to report this to the police as fraud . is it me or do the sums not add up for their loan .

 

Also they said they took the ppi off but little difference in the repayment .

I did get legal advice and the person said something is not right .

 

BTW . can I say , I never found them they called me .

 

just remembered,  they called me after I was taken to court for repossession by a company I know linked to them ,

I researched the company .

 

I was attacked by someone  part of the job I do , suffered post traumatic stress , attack was pretty bad .

 

after the case they contacted me , I was not working then.

had pretty bad mental health breakdown at the time .

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  • 2 years later...

Hi,

'recent swift'? how recent are you talking about please?

 

Have you used the forum search function?

 

BT

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

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Essential Reading: Dealing with Customer Service

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Hi 

thank you for responding there were several people talking about swift issues now I cannot find anything about them wanted to see if there were recent court cases against swift  

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I couldn't find anything I would consider recent either..

 

Why are you looking for them? do you need help? if so, let's hear it! :)

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

 

Essential Reading: Dealing with Customer Service

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Great, self-helping! :)

 

Best of luck

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

 

Essential Reading: Dealing with Customer Service

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Wait what??

 

I said it's great that you are self-helping! not many people search the forums for answers but rather open a thread and expect all answers to come to them, you're not doing that, which is called 'self-helping' and I think that's great!

 

Plus smiling faces and me wishing you the best of luck..

  • Thanks 1

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group - The National Consumer Service

 

Essential Reading: Dealing with Customer Service

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Maybe due to Covid, there have not been very many recent Court cases involving Swift ?

 

Found details of a 2019 High Court case.

 

 

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

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Sorry If I misread, stressful times and just trying to get out of the mess I should have never got into .

 

had very bad depression at the time of taking the loan, never even needed the stupid loan and was not even working when they gave it to me, just angry with myself I guess .

 

Apologies again

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Send Swift a Data Protection Subject Access Request (SAR) asking for everything on file.

 

SAR might reveal important info

 

 

  • I agree 1

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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No need to apologise, simple misunderstanding.

 

I hope you find the information you need, if you don't find what you need, then type out your story in this thread and CAG will help you

CAG Site Team and Forum Helpers are unpaid volunteers

Over the years CAG has probably helped hundreds of thousands of people, only a small number of people come back and let us know what happened or to say thank you

and an even smaller number of people ever think to make a donation.

If you are able, without leaving yourself short, consider donating, all donations go towards Site hosting and maintenance - help us stay live for future people in need.

 

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Essential Reading: Dealing with Customer Service

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Thank you Uncle .

 

I did and they sent me some paper work,

when I asked a solicitor to do the same, I saw things they never even sent me, like wages, which I was not earning

the broker who sold me the loan made this up and never told me  ,

there are other discretions too 

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So what is the current position with this debt ?

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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current in arrears ,

 

paid them over +£40k

 

they want another £60k, maybe more for a loan of £32k,

 

they said that they gave me a cheque for nearly £5k  from the loan

 

I told them when they let me have the paper work eventually I never received their cheque ,

showed them bank statements from that year ,

they said I could have cashed it in a money shop ,

 

also they paid the loan I had 

all the money

it was a five year loan taken out less than a year .

refused to take off PPI as well this would bring the loan to under 25.000

 

I have worked out the loan minus the cheque and the PPI is 24,220.61 without the challenge of the full repayment of the loan as it was only taken a year or over .

 

I have written to the company however they are not responding to me about why they charged the full payment  for the loan . 

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Old and new threads merged 

 

I can see if you read from post one now again you've tried 3 times to address or see if you can sort this loan issue.

 

We need to see all the paperwork you have in one mass pdf 

 

But to be honest there have been no successes anywhere for many years. The only way people are seeming to get away from them is to offer a lump sum settlement by going to a mainstream lender 

 

Is this a secured loan that shows on your deeds and have you any other lending with them?

 

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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Hello

Yes this is the only loan and the court has asked them to give me proof of the cheque  which they have not ,

 

I am paying for money I never had from them .

 

I was told that even though they were not regulated by the FCS they have another body Swift 1st  that is part of their  company and regulates swift advances .

 

I was reading a case where the judge looked at the benefit the client had from money that they borrowed to  include in their judgment , and the PPI that was not fit for purposes it was sold for

 

 . just trying to see all the legal arguments .and how can they justify over 150000 pounds for such a small loan. 

Edited by dx100uk
Please space your posts!
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Please space your posts with blank lines, and sentences , not a big block of text 

 

So you are in court now?  1st you've said of this!!

 

What have you taken them to court for?

 

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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Hi 

sorry about the lack of spaces .

 

I am not in court now , this was sometime ago .

 

They took me to court initially about six months after I got the loan.

 

I did tell them at the time I was not working .

 

They may threaten to take me to court as I am in arrears . 

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sorry if this seems unfair but:

 

you came here in 2019 asking the same question:

 

  

On 02/03/2019 at 11:30, duchess777 said:

Hello

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

 

then got help and vanished.

 

you returned in 2020 again asking the same thing:

  

On 06/03/2019 at 07:44, duchess777 said:

Good Morning .

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

 

and got help and vanished again.

 

then you've just returned again after 2yrs:

  

7 hours ago, duchess777 said:

Hello where has all the recent swift issues gone to cannot find them . please help

 

trying to get the full picture from you each time you return, to enable us to help your properly, is like pulling teeth. we never get it.

 

We get a bit by bit dribble each time and then findout very relevant new important info that you didnt tell us first-off when we've asked for it all that changes the whole picture.

 

as far as i can gather,

you wanted to pay off a few debts....

 

they gave you an unregulated mortgage/secured loan? (is it still showing on your deeds?)

the breakdown of this was:

 

brokers fee  £427.50

Mortgage £2,203.26

car loan  £21.977.35

loan admin fee £35.00

PPI £4105.15

tele transfer fee  £40.00

indemnity fee  £135.00

Cheque  (never received )  £4144.39

Amount of credit  £28365.00

total £32470.15

 

but you say nothing about the interest each month,so their figure today could quite be correct. the above figure does not inc interest. you don't get a loan for FREE!!

 

as to date you've not scanned up the full agreement to one mass pdf after reading our upload guide carefully.

we need to see that.

 

now going on from here upon what we also appear to know...

 

you appear to have been taken to court by Swift for repossession at some point. date please and you obviously won an got the repo suspended?

 

it appears at some point in time you appointed a mortgage reclaim company or they contacted you (as they do they scan the courts looking for people being repossessed)  - they scammed you and disappeared into thin air and this possibly involved you taking swift to court , questioning the outstanding figure at the time? if so when please

 

 

 

 

 

  • I agree 1

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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