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Thread: Swift Advance After Repo

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  1. #51
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    will print it of later and send it first thing tomorrow morning with a £10 postal order

    it is still affecting me sparkie but what can i do
    i will probably ask the court to take it into consideration that i am still greiving
    I have added an extra point to the SAR.
    Put the PO number in where it says Cheque number and change it to PO number. keep the PO receipt and send it signed for Royal Mail.
    Keep your chin up.
    I hope pt comes back with his views and suggestions.
    Sparkie

  2. #52
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Sparkie1723 View Post
    I have added an extra point to the SAR.
    Put the PO number in where it says Cheque number and change it to PO number. keep the PO receipt and send it signed for Royal Mail.
    Keep your chin up.
    I hope pt comes back with his views and suggestions.
    Sparkie
    will do

    thank you again

  3. #53
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    will do

    thank you again
    Good......One final question from me for tonight ..........have you ever received any correspondence from Swift on headed paper Eastern Counselling department.
    Sparkie

  4. #54
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Sparkie1723 View Post
    Good......One final question from me for tonight ..........have you ever received any correspondence from Swift on headed paper Eastern Counselling department.
    Sparkie
    yes im pretty sure i have

  5. #55
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    Default Re: Swift Advance After Repo

    SAR posted

    what next???

  6. #56
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    SAR posted

    what next???
    Hi sofi,
    Can you copy your letter from Eastern Counselling? and email them to Amethyst she will post them up for you. Or send them to me, I'll pm you my e-mail address right now.
    Also can you give \determined this info he asked you for on his posts?
    We need as much info as we can get.
    Sparkie

  7. #57
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Sparkie1723 View Post
    Hi sofi,
    Can you copy your letter from Eastern Counselling? and email them to Amethyst she will post them up for you. Or send them to me, I'll pm you my e-mail address right now.
    Also can you give \determined this info he asked you for on his posts?
    We need as much info as we can get.
    Sparkie
    will do....will have to find it first

    what info does determined need??

  8. #58
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    will do....will have to find it first

    what info does determined need??
    See previous posts 38 & 47.

    Sparkie

  9. #59
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    Default Re: Swift Advance After Repo

    will do

  10. #60
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    will do....will have to find it first

    what info does determined need??
    emailed to you sparkie the eastern counselling letters that i could find

  11. #61
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Determined View Post
    What was the date of the first statement you received that included any charges that they had added, Did every subsequent statement show the charges added and did you only receive them quarterly

    If you can post them I can do some work on which of them are bearing interest incorrectly.

    Regards

    Determined
    recieved the statements annually
    every april as far as i can see

    i found the 2010 and 2011 statement amd it does show the fees and interest being charged

    i will have to go through all the paperwork and check if i can find all the statements

  12. #62
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    recieved the statements annually
    every april as far as i can see

    i found the 2010 and 2011 statement amd it does show the fees and interest being charged

    i will have to go through all the paperwork and check if i can find all the statements
    Hi Sofi,

    This is important. Prior to October 2008 there was no requirement, other than contractually, to notify the borrower of any charges that had been levied on the account. Obviously because it was very much to their advantage Swift did not tell anyone. I have several examples of where Loblack said that there were not required to tell people so they did not.

    I imagine the first statements you got were in late 2008 or early 2009.

    How were you told of any of the charges made prior October 2008, if in fact you were.

    Look at the 21st of September 2008, have you ever been told about the Litigation charges of £1721.40.

    Regards

    Determined

  13. #63
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Determined View Post
    Hi Sofi,

    This is important. Prior to October 2008 there was no requirement, other than contractually, to notify the borrower of any charges that had been levied on the account. Obviously because it was very much to their advantage Swift did not tell anyone. I have several examples of where Loblack said that there were not required to tell people so they did not.

    I imagine the first statements you got were in late 2008 or early 2009.

    How were you told of any of the charges made prior October 2008, if in fact you were.

    Look at the 21st of September 2008, have you ever been told about the Litigation charges of £1721.40.

    Regards

    Determined
    as far as i can recall i have never been told of that litigation charge.
    the only charges i recall of being told of are the monthly management charges of 60 or 70 pounds

  14. #64
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    as far as i can recall i have never been told of that litigation charge.
    the only charges i recall of being told of are the monthly management charges of 60 or 70 pounds
    Hi Sofi

    I accept you might have been told about management charges after October 2008 because it became the law BUT were you ever told about them before 2008. You might have come to know about them much much later when you saw an AAAs or some other summary BUT were you told about them separately before October 2008.

    I will post a table soon that shows how much interest they want to charge on charges prior to October 2008.

    Regards

    Determined

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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Determined View Post
    Hi Sofi

    I accept you might have been told about management charges after October 2008 because it became the law BUT were you ever told about them before 2008. You might have come to know about them much much later when you saw an AAAs or some other summary BUT were you told about them separately before October 2008.

    I will post a table soon that shows how much interest they want to charge on charges prior to October 2008.

    Regards

    Determined
    hi Determined

    i have been through all the letters that i could find prior to october 2008 but have not come across any letter which states anything about management charges or fees.....All letters prior to October 2008 just refer to any arrears that we were in

  16. #66
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    Default Re: Swift Advance After Repo

    I think a letter to Swift would not out of order asking them to agree to a stay in proceedings, setting out the reasons why, in that;
    At this moment in time she is at a severe disadvantage due to the fact they have not provided her with the information and records they have especially;
    ++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++++++++
    this is not to put in the letter but what she needs to have is
    1. Her complete History Notes.
    2. Copies of all content of letters and correspondence hat has " allegedly" been sent to her.
    3. Copies of her credit file that would have without doubt been down loaded and copied by Swift and more likely than not her broker ( Now gone bust)
    4. Copy of her underwriting sheet or the information contained in it.
    5. Copy of the document sent to her broker after completion advising broker of their brokers fee deducted from her loan and any commission payment being paid.
    Her SAR will take up to 40 days and she will need time to sift through it and prepare her Defence and Counter claim so I think a stay until some time middle of January would be needed otherwise she will be at a very severe disadvantage in Court ...........if she doesn't get legal representation.
    ************************************************** ************************************************** ************
    I think her Defence and Counter claim should be under the UTCCC's, Section 140 of the CCA, the CCA Act itself and the FCA handbook on Fair Business Practice Guide.
    I Swift will not agree she can present the letter asking them to agree to the Court on 23rd this month and ask the Court to Order another stay.
    Anyone any views.............she is desperately short of time.
    Sparkie

  17. #67
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Sparkie1723 View Post
    I think a letter to Swift would not out of order asking them to agree to a stay in proceedings, setting out the reasons why, in that;
    At this moment in time she is at a severe disadvantage due to the fact they have not provided her with the information and records they have especially;
    ++++++++++++++++++++++++++++++++++++++++++++++++++ ++++++++++++++++++++++++++++++++++++++
    this is not to put in the letter but what she needs to have is
    1. Her complete History Notes.
    2. Copies of all content of letters and correspondence hat has " allegedly" been sent to her.
    3. Copies of her credit file that would have without doubt been down loaded and copied by Swift and more likely than not her broker ( Now gone bust)
    4. Copy of her underwriting sheet or the information contained in it.
    5. Copy of the document sent to her broker after completion advising broker of their brokers fee deducted from her loan and any commission payment being paid.
    Her SAR will take up to 40 days and she will need time to sift through it and prepare her Defence and Counter claim so I think a stay until some time middle of January would be needed otherwise she will be at a very severe disadvantage in Court ...........if she doesn't get legal representation.
    ************************************************** ************************************************** ************
    I think her Defence and Counter claim should be under the UTCCC's, Section 140 of the CCA, the CCA Act itself and the FCA handbook on Fair Business Practice Guide.
    I Swift will not agree she can present the letter asking them to agree to the Court on 23rd this month and ask the Court to Order another stay.
    Anyone any views.............she is desperately short of time.
    Sparkie
    sorry sparkie but i dont understand what you are trying to say

    are you suggesting i write to swift and ask them???

  18. #68
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    Default Re: Swift Advance After Repo

    Hi Sofi

    I may add to this as we go along. It is for your representative.

    Swift Advances Plc business interests are wholly concerned with levying interest, on monies loaned or charges made.

    The more often interest is levied, over a protracted period, the more financially beneficial it becomes to Swift Advances Plc.

    Conversely, the exact reverse of that situation is most beneficial to the borrower
    .
    The less often interest is levied, compounding over the shortest possible period, the more financially beneficial it becomes to the borrower.

    It therefore follows that the Agreement, in order to reflect a fair approach on this particular point, should be clear and concise as to how the borrower should avoid interest being levied on any charges that are incurred.

    This particular point is covered in Paragraph M, and only Paragraph M of the Agreement, which reads thus.

    You will be sent a notice of any costs, expenses and charges you must pay under clauses D, E, K, L, N, P and T. We have the right to amend these costs and expenses to reflect any change in the cost incurred by us in carrying out the work. We will provide you with at least 28 days notice of any changes in the level of such costs before they take effect. We will add our costs, expenses and charges as soon as we have to pay them or decide to charge them. You should pay them at that date. If you do not, we will charge interest on each day of the month (at the rate that applies to your loan) on

    1. any costs, expenses and charges which we have added to your loan account, and which remain unpaid on that date
    2. any interest we charged under (1) above up to the end of the previous month, and which remains unpaid on that day.


    The relevant part begins ‘ We will add our costs, expenses and charges etc’.

    Simply put, the appropriate way for the borrower to avoid interest being levied on charges, is to pay them, ‘at that date’. The date referred to is the date Swift Advances Plc has to pay or decide to pay a charge.

    The statement is absolutely unambiguous and all of the borrower’s protection is contained therein.

    The only way the borrower can possibly avoid paying interest is if Swift Advances Plc tell the borrower if they have levied the charge and for exactly how much and when.

    The interpretation, implied within the clause, is the only way the borrower can be treated fairly.

    By way of examples:-

    • An attempted phone call
    • A successful phone call to anyone other than the borrower
    • A letter to a third party
    • A letter received from a third party
    • The cost of a solicitors agent
    • The level of litigation costs
    • Court fees paid


    Each and every example is a reflection of a circumstance or activity outside the borrowers’ knowledge and their ability, to pay the charge, is totally dependent upon Swift Advances Plc giving notification of a date in the future when a charge would be levied.

    Prior to October 2008, when changes in the Consumer Credit Act created the requirement, Swift Advances Plc did not tell borrowers of charges levied.

    Documentary evidence is available where Mr Alan Loblack, for Swift Advances Plc, confirms that fact.

    The fees and charges that have been levied on this account have been tabulated.

    91 charges were levied prior to October 2008.

    The total cost of the charges alone was £ 6124.80

    The interest that will have accumulated by 20th of November 2016 is £ 6609.93, and that is if you only apply an interest rate at 11.16% p.a.

    There have been several interest rate increases during the lifetime of the agreement, which for simplicity, have not been included.

    The charges, in part, have been adjudged unfair in other proceedings. ( Swift Advances Plc v Daley Bow County Court 4PB02756).

    The interest applied is wholly inappropriate, but typical of Swift Advances Plc cavalier attitude, when pursuing maximum profit.
    Last edited by Determined; 17th November 2016 at 07:20:AM.

  19. #69
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Determined View Post
    Hi Sofi

    I may add to this as we go along. It is for your representative.

    Swift Advances Plc business interests are wholly concerned with levying interest, on monies loaned or charges made.

    The more often interest is levied, over a protracted period, the more financially beneficial it becomes to Swift Advances Plc.

    Conversely, the exact reverse of that situation is most beneficial to the borrower
    .
    The less often interest is levied, compounding over the shortest possible period, the more financially beneficial it becomes to the borrower.

    It therefore follows that the Agreement, in order to reflect a fair approach on this particular point, should be clear and concise as to how the borrower should avoid interest being levied on any charges that are incurred.

    This particular point is covered in Paragraph M, and only Paragraph M of the Agreement, which reads thus.

    You will be sent a notice of any costs, expenses and charges you must pay under clauses D, E, K, L, N, P and T. We have the right to amend these costs and expenses to reflect any change in the cost incurred by us in carrying out the work. We will provide you with at least 28 days notice of any changes in the level of such costs before they take effect. We will add our costs, expenses and charges as soon as we have to pay them or decide to charge them. You should pay them at that date. If you do not, we will charge interest on each day of the month (at the rate that applies to you loan) on

    1. any costs, expenses and charges which we have added to your loan account, and which remain unpaid on that date
    2. any interest we charged under (1) above up to the end of the previous month, and which remains unpaid on that day.


    The relevant part begins ‘ We will add our costs, expenses and charges etc’.

    Simply put, the appropriate way for the borrower to avoid interest being levied on charges, is to pay them, ‘at that date’. The date referred to is the date Swift Advances Plc has to pay or decide to pay a charge.

    The statement is absolutely unambiguous and all of the borrower’s protection is contained therein.

    The only way the borrower can possibly avoid paying interest is if Swift Advances Plc tell the borrower if they have levied the charge and for exactly how much and when.

    The interpretation, implied within the clause, is the only way the borrower can be treated fairly.

    By way of examples:-

    • An attempted phone call
    • A successful phone call to anyone other than the borrower
    • A letter to a third party
    • A letter received from a third party
    • The cost of a solicitors agent
    • The level of litigation costs
    • Court fees paid


    Each and every example is a reflection of a circumstance or activity outside the borrowers’ knowledge and their ability, to pay the charge, is totally dependent upon Swift Advances Plc giving notification of a date in the future when a charge would be levied.

    Prior to October 2008, when changes in the Consumer Credit Act created the requirement, Swift Advances Plc did not tell borrowers of charges levied.

    Documentary evidence is available where Mr Alan Loblack, for Swift Advances Plc, confirms that fact.

    The fees and charges that have been levied on this account have been tabulated.

    91 charges were levied prior to October 2008.
    The total cost of the charges alone was £ 6124.80
    The interest that will have accumulated by 20th of November 2016 is £ 6676.69, and that is if you only apply an interest rate at 11.16% p.a.
    There have been several interest rate increases during the lifetime of the agreement, which for simplicity, have not been included.
    The charges themselves have been adjudged unfair in other proceedings.
    The interest applied is wholly inappropriate, but typical of Swift Advances Plc cavalier attitude, when pursuing maximum profit.
    thank you determined

    so should i print this of and take it to court with me?

  20. #70
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    thank you determined

    so should i print this of and take it to court with me?
    Yes you should if you do not get legal representation and Yes you should write to Swift and ask them to agree to a stay.............again if can get representation you should the solicitor to do it for you.........if you cannot get legal representation between Determined and myself we will come up with viable points you can place before the judge to support a stay..............try your best to get that solicitor to take your case on.

  21. #71
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Sparkie1723 View Post
    Yes you should if you do not get legal representation and Yes you should write to Swift and ask them to agree to a stay.............again if can get representation you should the solicitor to do it for you.........if you cannot get legal representation between Determined and myself we will come up with viable points you can place before the judge to support a stay..............try your best to get that solicitor to take your case on.
    will be ringing the solicitor later to confirm of he is able to represent me on a no win no fee basis

    can you please clear one thing for me the court has not given swift a possession order yet so why would it be best for me to write to them asking to agree in letting me stay

  22. #72
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    Default Re: Swift Advance After Repo

    Date Reason Type Amount No of Days Interest Compounding Rate c
    15/05/06 FM Consent Letter Admin Fee 23.00 0.00030575
    06/06/06 FM Consent Letter Admin Fee 23.00 22 0.15 46.15 0.00030575
    20/06/06 Returned DD Admin Fee 33.00 14 0.20 79.35 0.00030575
    26/06/06 Arrears charge Admin Fee 23.00 6 0.15 102.50 0.00030575
    29/06/06 Phone Call Admin Fee 23.00 3 0.09 125.59 0.00030575
    03/07/06 Admin Charge Admin Fee 23.00 4 0.15 148.75 0.00030575
    04/07/06 Letter to Ist Mortgage Admin Fee 23.00 1 0.05 171.79 0.00030575
    04/07/06 Arrears charge Admin Fee 23.00 0 0.00 194.79 0.00030575
    12/07/06 Letter to Ist Mortgage Admin Fee 23.00 8 0.48 218.27 0.00030575
    18/07/06 Letter to Ist Mortgage Admin Fee 12.00 6 0.40 230.67 0.00030575
    26/07/06 Letter to Ist Mortgage Admin Fee 12.00 8 0.56 243.23 0.00030575
    26/07/06 Letter Received from !st Admin Fee 12.00 0 0.00 255.23 x 0.00030575
    20/10/06 Admin Charge Admin Fee 33.00 86 6.71 294.94 0.00030575 x
    24/10/06 Arrears charge Admin Fee 23.00 4 0.36 318.30 0.00030575
    26/10/06 Letter to Ist Mortgage Admin Fee 23.00 2 0.19 341.50 0.00030575
    30/10/06 Admin Charge Admin Fee 23.00 4 0.42 364.92 0.00030575
    31/10/06 Letter to Ist Mortgage Admin Fee 23.00 1 0.11 388.03 0.00030575
    31/10/06 Letter to Ist Mortgage Admin Fee 23.00 0 0.00 411.03 0.00030575
    31/10/06 Arrears charge Admin Fee 23.00 0 0.00 434.03 0.00030575
    07/11/06 Arrears charge Admin Fee 23.00 7 0.93 457.96 0.00030575
    09/11/06 Letter to Ist Mortgage Admin Fee 12.00 2 0.28 470.24 0.00030575
    14/11/06 Letter to Ist Mortgage Admin Fee 12.00 5 0.72 482.96 0.00030575
    14/11/06 Admin Charge Admin Fee 12.00 0 0.00 494.96 0.00030575
    14/11/06 Arrears charge Admin Fee 23.00 0 0.00 517.96 0.00030575
    14/11/06 Inconclusive Reply Admin Fee 12.00 0 0.00 529.96 0.00030575
    20/11/06 Letter Received from !st Admin Fee 12.00 6 0.97 542.93 0.00030575
    20/12/06 Admin Charge Admin Fee 33.00 30 4.98 580.91 0.00030575 x
    29/12/06 Arrears charge Admin Fee 23.00 9 1.60 605.51 0.00030575
    05/01/07 Letter to Ist Mortgage Admin Fee 23.00 7 1.30 629.80 0.00030575
    05/01/07 Arrears charge Admin Fee 23.00 0 0.00 652.80 0.00030575
    08/01/07 Admin Charge Admin Fee 12.00 3 0.60 665.40 0.00030575
    12/01/07 Arrears charge Admin Fee 23.00 4 0.81 689.21 0.00030575
    19/01/07 Arrears charge Admin Fee 23.00 7 1.48 713.69 0.00030575
    20/01/07 Admin Charge Admin Fee 33.00 1 0.22 746.91 0.00030575
    24/01/07 Arrears charge Admin Fee 23.00 4 0.91 770.82 0.00030575
    25/01/07 Arrears charge Admin Fee 23.00 1 0.24 794.06 0.00030575
    25/01/07 Default Admin Fee 250.00 0 0.00 1,044.06 0.00030575
    26/02/07 Management Charge Admin Fee 70.00 32 10.22 1,124.27 0.00030575 x
    09/03/07 Letter before Action Legal 75.00 11 3.78 1,203.05 0.00030575
    26/03/07 Issue Legal 100.00 17 6.25 1,309.31 0.00030575
    26/03/07 Management Charge Admin Fee 70.00 0 0.00 1,379.31 0.00030575
    30/03/07 Issue Fee Legal 150.00 4 1.69 1,530.99 0.00030575
    11/04/07 Form to Land Registry Admin Fee 35.00 12 5.62 1,571.61 0.00030575
    26/04/07 Management Charge Admin Fee 70.00 15 7.21 1,648.82 0.00030575
    17/05/07 Solicitors Agents Fee Legal 82.25 21 10.59 1,741.66 0.00030575
    29/05/07 Management Charge Admin Fee 70.00 12 6.39 1,818.05 0.00030575
    29/06/07 Management Charge Admin Fee 70.00 31 17.23 1,905.28 0.00030575
    23/07/07 W1 Letter sent Admin Fee 100.00 24 13.98 2,019.26 0.00030575
    23/07/07 Warrant Fee Admin Fee 95.00 0 0.00 2,114.26 0.00030575
    30/07/07 Management Charge Legal 70.00 7 4.53 2,188.78 x 0.00030575
    30/08/07 Management Charge Legal 70.00 31 20.75 2,279.53 0.00030575 x
    05/09/07 Eviction cancelled Legal 100.00 6 4.18 2,383.71 0.00030575
    10/09/07 Solicitors Agents Fee Admin Fee 82.50 5 3.64 2,469.86 0.00030575
    25/09/07 Cancelled repossession Admin Fee 117.50 15 11.33 2,598.68 0.00030575
    02/10/07 Management Charge Admin Fee 70.00 7 5.56 2,674.24 0.00030575
    26/10/07 Management Charge Admin Fee 65.00 24 19.62 2,758.87 0.00030575
    31/10/07 Letter sent Admin Fee 100.00 5 4.22 2,863.09 0.00030575
    02/11/07 Management Charge Admin Fee 70.00 2 1.75 2,934.84 0.00030575
    06/11/07 Letter sent Legal 35.00 4 3.59 2,973.43 0.00030575
    12/11/07 Solicitors Agents Fee Legal 82.25 6 5.45 3,061.13 0.00030575
    29/11/07 Eviction cancelled Admin Fee 100.00 17 15.91 3,177.04 0.00030575
    04/12/07 Management Charge Admin Fee 35.00 5 4.86 3,216.90 0.00030575
    06/12/07 Solicitors Agents Fee Legal 82.50 2 1.97 3,301.37 0.00030575
    07/12/07 Cancelled repossession Legal 117.50 1 1.01 3,419.87 0.00030575
    31/12/07 Letter to Ist Mortgage Admin Fee 23.00 24 25.10 3,467.97 0.00030575 x
    31/12/07 Arrears charge Admin Fee 23.00 0 0.00 3,490.97 0.00030575
    02/01/08 Arrears charge Admin Fee 23.00 2 2.13 3,516.10 0.00030575
    24/01/08 Arrears charge Admin Fee 23.00 22 23.65 3,562.76 0.00030575
    25/01/08 Admin Charge Admin Fee 12.00 1 1.09 3,575.84 0.00030575
    31/01/08 Letter to Ist Mortgage Admin Fee 23.00 6 6.56 3,605.40 0.00030575
    31/01/08 Arrears charge Admin Fee 23.00 0 0.00 3,628.40 0.00030575
    07/02/08 Arrears charge Admin Fee 23.00 7 7.77 3,659.17 0.00030575
    14/02/08 Arrears charge Admin Fee 23.00 7 7.83 3,690.00 0.00030575
    20/02/08 Arrears charge Admin Fee 23.00 6 6.77 3,719.77 0.00030575
    21/02/08 Admin Charge Admin Fee 12.00 1 1.14 3,732.91 0.00030575
    19/03/08 Arrears charge Admin Fee 23.00 27 30.82 3,786.72 0.00030575
    25/03/08 FM Consent Letter Admin Fee 23.00 6 6.95 3,816.67 0.00030575
    25/03/08 Arrears charge Admin Fee 23.00 0 0.00 3,839.67 0.00030575
    26/03/08 Admin Charge Admin Fee 12.00 1 1.17 3,852.85 0.00030575
    09/04/08 Admin Charge Admin Fee 23.00 14 16.49 3,892.34 0.00030575
    21/04/08 Arrears charge Admin Fee 23.00 12 14.28 3,929.62 0.00030575
    22/04/08 Admin Charge Admin Fee 12.00 1 1.20 3,942.82 0.00030575
    25/04/08 Arrears charge Admin Fee 23.00 3 3.62 3,969.44 0.00030575
    25/04/08 Default Admin Fee 110.00 0 0.00 4,079.44 0.00030575
    27/05/08 Management Charge Admin Fee 35.00 32 39.91 4,154.35 0.00030575
    27/06/08 Management Charge Admin Fee 70.00 31 39.38 4,263.73 0.00030575
    28/07/08 Management Charge Admin Fee 70.00 31 40.41 4,374.14 0.00030575
    28/08/08 Management Charge Admin Fee 70.00 31 41.46 4,485.60 0.00030575
    21/09/08 Litigation charges Legal 1,721.40 24 32.92 6,239.91 0.00030575
    26/09/08 Litigation charges Legal 381.90 5 9.54 6,631.35 0.00030575
    29/09/08 Management Charge Admin Fee 70.00 3 6.08 6,707.43 0.00030575
    16/10/16 2939 6,027.30 12,734.73 0.00030575
    6,124.80 12,734.73
    6,609.93
    Spreadsheet for sophi prepared by Determined

  23. #73
    Join Date
    Jul 2009
    Posts
    9,202
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    18 Post(s)

    Default Re: Swift Advance After Repo

    Quote Originally Posted by sofi3353 View Post
    will be ringing the solicitor later to confirm of he is able to represent me on a no win no fee basis

    can you please clear one thing for me the court has not given swift a possession order yet so why would it be best for me to write to them asking to agree in letting me stay
    Sofi,
    Your not asking to stay in your home ......you are asking the Court to stay/hold up the proceedings.
    They will use the hearing on 23rd Nov to apply for possession and if you don't ask for a stay the chances are they will get it unless you can persuade the court not to and there is not enough evidence at the moment to convince the court not to .....all you will have is Determined spreadsheet and you will need to explain every entry to The Judge
    Sparkie

  24. #74
    Join Date
    Nov 2016
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    Default Re: Swift Advance After Repo

    Quote Originally Posted by Sparkie1723 View Post
    Sofi,
    Your not asking to stay in your home ......you are asking the Court to stay/hold up the proceedings.
    They will use the hearing on 23rd Nov to apply for possession and if you don't ask for a stay the chances are they will get it unless you can persuade the court not to and there is not enough evidence at the moment to convince the court not to .....all you will have is Determined spreadsheet and you will need to explain every entry to The Judge
    Sparkie
    i understand it now sparkie.....thank you

    i spoken to the solicitor and theres 99% that he will be able to represent me....hes just waiting for clearance from the law firm that he wishes to use and even if he cant he saying that most likely i will be able to get it adjourned

  25. #75
    Join Date
    Nov 2016
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    0 Post(s)

    Default Re: Swift Advance After Repo

    Quote Originally Posted by Sparkie1723 View Post
    Date Reason Type Amount No of Days Interest Compounding Rate c
    15/05/06 FM Consent Letter Admin Fee 23.00 0.00030575
    06/06/06 FM Consent Letter Admin Fee 23.00 22 0.15 46.15 0.00030575
    20/06/06 Returned DD Admin Fee 33.00 14 0.20 79.35 0.00030575
    26/06/06 Arrears charge Admin Fee 23.00 6 0.15 102.50 0.00030575
    29/06/06 Phone Call Admin Fee 23.00 3 0.09 125.59 0.00030575
    03/07/06 Admin Charge Admin Fee 23.00 4 0.15 148.75 0.00030575
    04/07/06 Letter to Ist Mortgage Admin Fee 23.00 1 0.05 171.79 0.00030575
    04/07/06 Arrears charge Admin Fee 23.00 0 0.00 194.79 0.00030575
    12/07/06 Letter to Ist Mortgage Admin Fee 23.00 8 0.48 218.27 0.00030575
    18/07/06 Letter to Ist Mortgage Admin Fee 12.00 6 0.40 230.67 0.00030575
    26/07/06 Letter to Ist Mortgage Admin Fee 12.00 8 0.56 243.23 0.00030575
    26/07/06 Letter Received from !st Admin Fee 12.00 0 0.00 255.23 x 0.00030575
    20/10/06 Admin Charge Admin Fee 33.00 86 6.71 294.94 0.00030575 x
    24/10/06 Arrears charge Admin Fee 23.00 4 0.36 318.30 0.00030575
    26/10/06 Letter to Ist Mortgage Admin Fee 23.00 2 0.19 341.50 0.00030575
    30/10/06 Admin Charge Admin Fee 23.00 4 0.42 364.92 0.00030575
    31/10/06 Letter to Ist Mortgage Admin Fee 23.00 1 0.11 388.03 0.00030575
    31/10/06 Letter to Ist Mortgage Admin Fee 23.00 0 0.00 411.03 0.00030575
    31/10/06 Arrears charge Admin Fee 23.00 0 0.00 434.03 0.00030575
    07/11/06 Arrears charge Admin Fee 23.00 7 0.93 457.96 0.00030575
    09/11/06 Letter to Ist Mortgage Admin Fee 12.00 2 0.28 470.24 0.00030575
    14/11/06 Letter to Ist Mortgage Admin Fee 12.00 5 0.72 482.96 0.00030575
    14/11/06 Admin Charge Admin Fee 12.00 0 0.00 494.96 0.00030575
    14/11/06 Arrears charge Admin Fee 23.00 0 0.00 517.96 0.00030575
    14/11/06 Inconclusive Reply Admin Fee 12.00 0 0.00 529.96 0.00030575
    20/11/06 Letter Received from !st Admin Fee 12.00 6 0.97 542.93 0.00030575
    20/12/06 Admin Charge Admin Fee 33.00 30 4.98 580.91 0.00030575 x
    29/12/06 Arrears charge Admin Fee 23.00 9 1.60 605.51 0.00030575
    05/01/07 Letter to Ist Mortgage Admin Fee 23.00 7 1.30 629.80 0.00030575
    05/01/07 Arrears charge Admin Fee 23.00 0 0.00 652.80 0.00030575
    08/01/07 Admin Charge Admin Fee 12.00 3 0.60 665.40 0.00030575
    12/01/07 Arrears charge Admin Fee 23.00 4 0.81 689.21 0.00030575
    19/01/07 Arrears charge Admin Fee 23.00 7 1.48 713.69 0.00030575
    20/01/07 Admin Charge Admin Fee 33.00 1 0.22 746.91 0.00030575
    24/01/07 Arrears charge Admin Fee 23.00 4 0.91 770.82 0.00030575
    25/01/07 Arrears charge Admin Fee 23.00 1 0.24 794.06 0.00030575
    25/01/07 Default Admin Fee 250.00 0 0.00 1,044.06 0.00030575
    26/02/07 Management Charge Admin Fee 70.00 32 10.22 1,124.27 0.00030575 x
    09/03/07 Letter before Action Legal 75.00 11 3.78 1,203.05 0.00030575
    26/03/07 Issue Legal 100.00 17 6.25 1,309.31 0.00030575
    26/03/07 Management Charge Admin Fee 70.00 0 0.00 1,379.31 0.00030575
    30/03/07 Issue Fee Legal 150.00 4 1.69 1,530.99 0.00030575
    11/04/07 Form to Land Registry Admin Fee 35.00 12 5.62 1,571.61 0.00030575
    26/04/07 Management Charge Admin Fee 70.00 15 7.21 1,648.82 0.00030575
    17/05/07 Solicitors Agents Fee Legal 82.25 21 10.59 1,741.66 0.00030575
    29/05/07 Management Charge Admin Fee 70.00 12 6.39 1,818.05 0.00030575
    29/06/07 Management Charge Admin Fee 70.00 31 17.23 1,905.28 0.00030575
    23/07/07 W1 Letter sent Admin Fee 100.00 24 13.98 2,019.26 0.00030575
    23/07/07 Warrant Fee Admin Fee 95.00 0 0.00 2,114.26 0.00030575
    30/07/07 Management Charge Legal 70.00 7 4.53 2,188.78 x 0.00030575
    30/08/07 Management Charge Legal 70.00 31 20.75 2,279.53 0.00030575 x
    05/09/07 Eviction cancelled Legal 100.00 6 4.18 2,383.71 0.00030575
    10/09/07 Solicitors Agents Fee Admin Fee 82.50 5 3.64 2,469.86 0.00030575
    25/09/07 Cancelled repossession Admin Fee 117.50 15 11.33 2,598.68 0.00030575
    02/10/07 Management Charge Admin Fee 70.00 7 5.56 2,674.24 0.00030575
    26/10/07 Management Charge Admin Fee 65.00 24 19.62 2,758.87 0.00030575
    31/10/07 Letter sent Admin Fee 100.00 5 4.22 2,863.09 0.00030575
    02/11/07 Management Charge Admin Fee 70.00 2 1.75 2,934.84 0.00030575
    06/11/07 Letter sent Legal 35.00 4 3.59 2,973.43 0.00030575
    12/11/07 Solicitors Agents Fee Legal 82.25 6 5.45 3,061.13 0.00030575
    29/11/07 Eviction cancelled Admin Fee 100.00 17 15.91 3,177.04 0.00030575
    04/12/07 Management Charge Admin Fee 35.00 5 4.86 3,216.90 0.00030575
    06/12/07 Solicitors Agents Fee Legal 82.50 2 1.97 3,301.37 0.00030575
    07/12/07 Cancelled repossession Legal 117.50 1 1.01 3,419.87 0.00030575
    31/12/07 Letter to Ist Mortgage Admin Fee 23.00 24 25.10 3,467.97 0.00030575 x
    31/12/07 Arrears charge Admin Fee 23.00 0 0.00 3,490.97 0.00030575
    02/01/08 Arrears charge Admin Fee 23.00 2 2.13 3,516.10 0.00030575
    24/01/08 Arrears charge Admin Fee 23.00 22 23.65 3,562.76 0.00030575
    25/01/08 Admin Charge Admin Fee 12.00 1 1.09 3,575.84 0.00030575
    31/01/08 Letter to Ist Mortgage Admin Fee 23.00 6 6.56 3,605.40 0.00030575
    31/01/08 Arrears charge Admin Fee 23.00 0 0.00 3,628.40 0.00030575
    07/02/08 Arrears charge Admin Fee 23.00 7 7.77 3,659.17 0.00030575
    14/02/08 Arrears charge Admin Fee 23.00 7 7.83 3,690.00 0.00030575
    20/02/08 Arrears charge Admin Fee 23.00 6 6.77 3,719.77 0.00030575
    21/02/08 Admin Charge Admin Fee 12.00 1 1.14 3,732.91 0.00030575
    19/03/08 Arrears charge Admin Fee 23.00 27 30.82 3,786.72 0.00030575
    25/03/08 FM Consent Letter Admin Fee 23.00 6 6.95 3,816.67 0.00030575
    25/03/08 Arrears charge Admin Fee 23.00 0 0.00 3,839.67 0.00030575
    26/03/08 Admin Charge Admin Fee 12.00 1 1.17 3,852.85 0.00030575
    09/04/08 Admin Charge Admin Fee 23.00 14 16.49 3,892.34 0.00030575
    21/04/08 Arrears charge Admin Fee 23.00 12 14.28 3,929.62 0.00030575
    22/04/08 Admin Charge Admin Fee 12.00 1 1.20 3,942.82 0.00030575
    25/04/08 Arrears charge Admin Fee 23.00 3 3.62 3,969.44 0.00030575
    25/04/08 Default Admin Fee 110.00 0 0.00 4,079.44 0.00030575
    27/05/08 Management Charge Admin Fee 35.00 32 39.91 4,154.35 0.00030575
    27/06/08 Management Charge Admin Fee 70.00 31 39.38 4,263.73 0.00030575
    28/07/08 Management Charge Admin Fee 70.00 31 40.41 4,374.14 0.00030575
    28/08/08 Management Charge Admin Fee 70.00 31 41.46 4,485.60 0.00030575
    21/09/08 Litigation charges Legal 1,721.40 24 32.92 6,239.91 0.00030575
    26/09/08 Litigation charges Legal 381.90 5 9.54 6,631.35 0.00030575
    29/09/08 Management Charge Admin Fee 70.00 3 6.08 6,707.43 0.00030575
    16/10/16 2939 6,027.30 12,734.73 0.00030575
    6,124.80 12,734.73
    6,609.93
    Spreadsheet for sophi prepared by Determined
    Determined is this spreadsheet for fees/interest

    i have another one which someone did for me and that shows a much higher figure.....i will email it to sparkie and then maybe you could have a look at it

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