Swift advances , i stopped repo, but now need help with BK hearing

[determindator]

hi

The documents I received are

 

 

copy of the legal charge

home owner application form

copy of payment protection insurance

list of transaction

following completion welcome letter

copy of agreement

repayment record

 

In response to post 95 you mention a friend had your Swift info but now at UNI.

 

I can't see history notes here so you can ring Swift and tell them not sent with SAR.

[caro]

In response to post 95 you mention a friend had your Swift info but now at UNI.

 

I can't see history notes here so you can ring Swift and tell them not sent with SAR.

 

Or better still put it in writing and tell them you'll report them to the ico if they fail to fully comply with the sar.

[april dew]

no they did not send history notes not with the sars documents.

I will contact them ands ask.

[lesterlass]

Or better still put it in writing and tell them you'll report them to the ico if they fail to fully comply with the sar.

 

The only way they will send the history notes is if the court order them too and they will heavily redact them "privileged information".

 

ICO will do nothing.....been there done that there..... the ICO are USLESS.

 

LL

[april dew]

so its a waste of time trying to get the history notes.

as anyone ever received them, and was there anything in there that they could fight with.

[meellis]

Any of these companies only send what they want and hope that the you don't know what you should have.

Just because you might not get or you might have to fight is not the reason not to try.

 

Just remember to keep all of the evidence of your efforts so it can never be questioned that you didn't try and they didn't comply.

They record phone calls so you are entitled to the recordings, history notes, copies of correspondence and I would request all of this and a copy of actuarial accounts.

 

They are doing something wrong but purposely make everything complex so you cant work out what but one day they will give somebody the evidence needed.

Only when there is hard evidence is it worth considering joint action or anything else, going to court with an assumption is no good.

[april dew]

ok.

I am going to write them and ask about those documents.

I do everything in writing now,

[determindator]

so its a waste of time trying to get the history notes.

as anyone ever received them, and was there anything in there that they could fight with.

 

Yes borrowers have received the history notes by asking for them. LL is right to say there will be info blotted out, by felt tip it looks like. Wonder what it would reveal? I would like to hear a Judge can order this secret info is shown as why is it hidden? I wouldn't say a waste of time. it's all evidence of the non transparency of Swift.

[april dew]

hi there

I have been away for a while doing some studying and trying to find a way to deal with swift.

I received the history notes from swift today but I don't know what I am looking for in the notes,

as anyone got any idea.

[determindator]

Take all the docs recvd from Swift to the CAB and tell them how Swift have caused you financial harm. Did you find the info which shows how the PPI was refunded?

[april dew]

hi determindator

 

how can CAB help when up against swift, CAB will probably tell me I cant afford to keep the house and to sell,

I don't think they can do much with the situation I am in.

[determindator]

 

so on to my next move.

I need to do a claim against their complaint my next court date is the 26th of October that's to do with the valuation of my house and them seekin to sell.

 

What happened on 26th Oct?

 

 

The CAB can help with dealing with the Insolvency Practitioner and now you have the Swift docs, your complaints against Swift can be dealt with at the same time. Bottom line, you need legal support before you blow a gasket and the CAB can slow down this runaway process you have been caught up in. You need the support to think and breath. Nothing to lose to make an appointment.

 

As Meelis says, looks like there wouldn't be any assets for the creditors if the Mortgage and Swift were paid with the figures they demand now. The situation needs to be reigned in.

[april dew]

that was the bankruptcy hearing, I went in and handed a notice to the judge judge stating that there as been no proof of claim upto this date, and I have been requesting proof from before bankruptcy judgment was made. they did a drive by valuation.

case has been adjourned until January.

Edited November 22, 2015 by april dew
need to ad other info

[determindator]

You really need to talk this all through and you know my suggestion. It's going round in circles. Swift are putting a spanner in the works and need taking to task. Their customers are ignored so you need a legal authority to compile your complaint to make them sit up and listen. Make a list of your reasons, i.e not stated in t&c's the int rate will never decrease, as you were advised otherwise. The high and hefty charges. The small print t&c's not clear and transparent. The loan takes it beyond retirement. Affordability? I've started and i'm sure you can carry on with the list.

 

Can you tell us in more detail how you managed to get a PPI refund, how much was refunded and how was it refunded, to loan or to you. Great thanks.

[april dew]

it took me 3 years to get it back.

a specialist company was helping me. and a little help from the financial umbudsman

the cheque was sent to me. I received £7.000 I think, I am still looking for the documents

I had to pay a fee to to the cmc of £1,800

[dx100uk]

names removed

[determindator]

it took me 3 years to get it back.

a specialist company was helping me. and a little help from the financial umbudsman

the cheque was sent to me. I received £7.000 I think, I am still looking for the documents

I had to pay a fee to to the cmc of £1,800

 

 

Can you explain the little help from the FOS as we continue to hear Swift deny responsibility as it was sold by a broker.

 

The regulator now being the FCA, has problems with them as Swift say they are unregulated and are not obligated to comply.

 

Hope this all starts to go in the right direction for you very soon.

[april dew]

sory they had to claim it back from the brokers not swift sorry.

the ppi company had to contact fos to get help.

[determindator]

That explains it thanks, glad for you the broker was still in business.

 

If the broker is still trading, maybe the complaint for selling of the loan can be copied into them also.

 

 

Here's a report which shows what's going on http://www.bbc.co.uk/news/uk-northern-ireland-16301590

[april dew]

hello

this letter I received in October, if you look at the paragraphs that I have marked with a cross next to it and let me know what you think.

 

sorry I will upload tomorrow, having problem.

Edited November 26, 2015 by april dew
deleted

[april dew]

sorry was having problem with my computer.

attachment below.

[sillygirl1]

They are passing the buck back. Follow their advice and go to the FSCS as the broker is unlikely to be trading. This kind of behaviour is typical of that sector of the market, blame everyone else except themselves.

[april dew]

what I was showing on this letter is,

they said I signed an agreement about paying back loan at end of term.

if you look at the paragraphs on page 3 and 6 where I put a cross, I did not sign I don't even remember telling the this information.

[determindator]

Thanks for posting the letter. Can you tell us the reason for correction fluid used on the first signature space. Are you saying signed docs were not sent to Swift?

[april dew]

for security reasons.

where i marked with a red cross where there is no tipex i did not sign, they said i signed , as you can see it is clear.