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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      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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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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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.

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      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.
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      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
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Swift Reclaim Charges and PPI


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FSA say it is an OFT problem... on to them just. and the OFT say it is nothing to do with them but the FOS......

 

according to the company no 2066931. it says they are in administration....they're returns are over due by some 18 months...

 

could this be why I have not had any joy contacting them???

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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contacted the FSC and for some reason the gentleman cringed at the very mention of this name.....

 

The correct name is Loans etc. FSA number 304434....THEY ARENO LONGER AUTHORISED AS OF THE 31/03/2009

 

Now I am asking myself A why are Swift giving details of a company that no longer exsists? and B what are the chances of me gettign the compensation sheet between Swift and Loans etc!!!!

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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SJ they told me it has nothing to do with them....

 

Have sent off the SAR to Swift....

 

Sparkle wanted me to repost the agreement but larger I dont know how to do that.....

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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SJ they told me it has nothing to do with them....

 

Have sent off the SAR to Swift....

 

Sparkle wanted me to repost the agreement but larger I dont know how to do that.....

 

HI jacqui_o,

 

It's sparkie!! ...sparkie!! ...sparkie!!:D not "sparkle" that **%%**%%"" works for Swift

 

sparkie

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OOps - Jacqui, never confuse the Meister with the shyster :D;)

 

Are you sure you're not confusing FSA with Financial Services Compensation Scheme - if neither will help you, it is probably the court route. Can you get Legal Aid?

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crawls and begs for forgiveness.. a hunderD thousand apologies SPARKIE:D

 

SPARKIE do you know how I can increase the size of the agreement for you to see it better?

 

no dont think so SJ. it was the FSCS that I phoned and they said it was nothing to do with them, go back to Swift...like they are going to give me any paperwork that passed between them!!!!

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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ok received the SAR back from Swift...... it contains

 

Credit agreement,

legal charge,

application form,

authorities and delcarations,

transaction history,

repayment reacord ,

disumbersement sheet....

 

thats it, no copies of anything betweenthem and the broker, or any letters to us, or us to them, not a single bit of paper between them and their solicitor......

 

have I been gvien everything I am allowed or are they holdingback? any advice please.

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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Snap! I've just had mine back too, and guess what!....It contains exactly the same as yours word for word. I'm certain Swift and holding back, but would appreciate others comments too :confused:

 

HI jaqui_o and Applollo,

 

Write and ask Swift as to why the transaction showing that your loan was sold to one of either the Two Kestrel Loans Ltd companies is not showing on your account history ( I am betting it doesn't show this ) and also ask them for the records of the accounts that are being processed on each of thos companies computer systems ( because they are).You require both these account records as you can be recognised from the data they contain and are therefore entitled to them under your SDAR

 

Ask them for all the transcripts of all telephone the coversations you have had between you and them ....(you know the ones that are used for training purposes.) or a recording of them on a CD you will provide them with a CD if necessary

 

 

With regard to THEIR letters to and from their solicitors you are not entitled to those as they are classed as priviledged information

 

 

sparkie

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Sparkie I was just going to ask you where would it be, cos I cant see it, but have just noticed it now says Swift Group, and the paper work I ahve differes from what I posted..... and can you tell me how to incres the agreement so you can see it better.

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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oh yeah in this paperwork is a dispercement letter showing the £1000 broker fee and the 281 legal fees but it doe snot show who the 1578 ppi was payed to and where that box is shows 300 months....apparently it is only for 5 years and we have never had any paper work for it?

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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Sparkie I was just going to ask you where would it be, cos I cant see it, but have just noticed it now says Swift Group, and the paper work I ahve differes from what I posted..... and can you tell me how to incres the agreement so you can see it better.

 

Go to photobucket and download it as a normal down load and the click copy then paste it to your thread..

sparkie

 

Solicitors will not supply any priviledged data, only what they have supplied in court which you would have a copy of anyway save your £10.

 

The different trading styles and names they use on their letter heads and agreements is one of the issues the OFT are investigating so I am led to believe.

 

This is being considered as misleading representations and could have profound effect on everyones agreements

sparkie

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Sparkie how do I know it was sold, nothing in the paperw rok I have says so? I know am being thick...

 

here comes another dumb question, should they not have sent in that the details of the ppi? you know the one they are alludingot covering the whole loan period?

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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Sparkie how do I know it was sold, nothing in the paperw rok I have says so? I know am being thick...

 

here comes another dumb question, should they not have sent in that the details of the ppi? you know the one they are alludingot covering the whole loan period?

 

MOrnig jacqui_o..

Their conpany accounts state quite clearly that they sold ALL loans and mortgages to the Kestrel Loans No 1 Ltd companies ...they will never provide evidence of this unless a court orders them to...because it would anilialate EVERY single one of their contracts ........BUT they are going to be forced by the High Court VERY soon to produce ALL the evidence and documentation of whether they did or did not....if they prove they did not then they wil be charged with falsifying company accounts if it is proved they did then they have no right to sue anyone,

 

You should have been provided with the insurance policy document if you havent got ask them to supply it.

 

The clock s ticking down ast for them now.

 

sparkie

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Sparkie how do I know it was sold, nothing in the paperw rok I have says so? I know am being thick...

 

here comes another dumb question, should they not have sent in that the details of the ppi? you know the one they are alludingot covering the whole loan period?

 

Hi Jacqui_o:)

 

In your SAR you said you received the 'transaction history' - is this headed 'List of Transactions' or 'History of ********' (your account number)?

 

If it says 'History of *******' then within these notes it might say 'Day/month/year ....AMR....Lending...............Transferred borrowers account to Kestrel 1'

 

That's where you will find it - that's where mine was anyway!

 

Landy x

LTSB PPI on various loans (current/settled) - Refunded inc 8%

 

MBNA 1 Charges - Refunded inc CI

 

MBNA 1 PPI - Refunded

 

MBNA 2 Charges - Refunded inc 8%

 

MBNA 2 PPI - Refunded

 

MBNA 2 Accident Ins - Refunded

 

Swift Advances (settled) Mortgage Charges -Partially refunded

 

Swift Advances (settled) Mortgage PPI - Refunded inc CI & 8%

 

Sainsburys (settled) Loan PPI - Refunded inc CI +8%

 

Sainsburys (closed) Card Charges - Refunded inc CI + 8%

 

M&S Money (closed) Card Charges - Refunded inc CI

 

M&S Money (closed) Card PPI - Refunded inc 8%

 

Direct Line (settled) Loan PPI - Refunded inc CI + 8%

 

Debenhams Card (closed) PPI - Refunded inc 8%

 

Swift Mortgage Charges -Refunded

 

Hitachi Finance (closed) Charges - Refunded

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Hi Jacqui_o:)

 

In your SAR you said you received the 'transaction history' - is this headed 'List of Transactions' or 'History of ********' (your account number)?

 

If it says 'History of *******' then within these notes it might say 'Day/month/year ....AMR....Lending...............Transferred borrowers account to Kestrel 1'

 

That's where you will find it - that's where mine was anyway!

 

Landy x

 

 

The trouble is there are only 3 of us to my knowledge that has this showing on our SAR's ...it is deliberately deleted from every one elses ...I have copies of about 10peoples SAR's and its "missing".... "deleted"..... "removed".... "gone"

 

They deliberately conceall it from these history and that is tampering with data and documents...FRAUD and if it is or has been supplied as evidence in court falls under the Forgery & Counterfeit Act.

I have made the ICO aware of tghis and hey will satrt there investigation into Swift and the Kestrel Companies in 4 weeks so I have been advised this morning

 

sparkie

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Hi Jacqui_o:)

 

In your SAR you said you received the 'transaction history' - is this headed 'List of Transactions' or 'History of ********' (your account number)?

 

If it says 'History of *******' then within these notes it might say 'Day/month/year ....AMR....Lending...............Transferred borrowers account to Kestrel 1'

 

That's where you will find it - that's where mine was anyway!

 

Landy x

 

HI Landy

The trouble is there are only 3 of us to my knowledge that has this showing on our SAR's ...yoou are 1 of them and there is me and another cagger that's all......we got ours by mistake by Swift Advances Plc .....it is deliberately deleted from every one elses ...I have copies of about 10peoples SAR's and its "missing".... "deleted"..... "removed".... "gone"

 

They deliberately conceall it from these history notes and that is tampering with data and documents...FRAUD and if it is or has been supplied as evidence in court falls under the Forgery & Counterfeit Act.

I have made the ICO aware of this and they are to begin their investigation into Swift and the Kestrel Companies in 4 weeks so I have been advised this morning.

 

sparkie

Edited by Sparkie1723
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Hi All,

 

It's strange, but I've just noticed that the reply to my SAR has come from Swiftfirst.....My loan is with Swift Advances plc and always has been!!! :confused:

 

The letter reference shows SAdv/SAR.

The letter footer states 'Swift First is a trading style of Swift 1st Limited' etc etc etc.....No mention of Swift Advances plc whatsoever!

 

Is this a deliberate error :rolleyes:, or are Swifts creative accounting techniques beginning to catch up with them. :)

 

Apollo18

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it says list of Transactions........ but justo na quick glance through it here is something odd........ 13 Aug 2008 I havebeen charged 822.50 in in a litigation charge.......and on the 22 would you believe I ahve been charged 281.75 L%D adjustment. now that isthe exact amout of the legal fees charged in 2004. and how odd that there is no paperwork in relation to this litigation charge or the L&D charge

 

there is also a request from info from mortg.....I never asked for that.. and they have given no paperwork in this regard!!! and RCD from 1st ortgage.........again no request from us...... and seek a redemption figure. again charged for and not requested by us and also like allthe others nothingin paper....

 

I also made a SAR in january and told them I would pay by debit card. phoned 2 days after they got it to pay, only to be told we dont accept that method........ odd how the do for your account.... and guess what no copy of that in the paperwork either...

 

can anyone get a copy of the company accounts?

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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apparently the policy ended last year. although the loan was for 300 months and the ppi is beside that, it was only for 5 years!!!!!! and it is another thing not included in the SAR

If you kick a Tiger in the Ass youbetter have a plan to deal with its teeth :madgrin:

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