Swift Advance After Repo

[Sparkie1723]

Re: Swift Advance After Repo

yet they were still using it

Exactly and by doing so they committed a criminal offence...........Swift Advances Plc used Eastern Counselling to levy the fees and charge who then added them to your account .......Unlawfully.
This will be included in the Defence and Counterclaim we will put together for you ..........that is if you cannot get a Solicitor/Counsel to represent you.
With a bit of luck we could get your agreement rescinded ...........But we need your History Notes form your SAR information
Sparkie

[sofi3353]

Re: Swift Advance After Repo

Attached is what the OFT said in the second page of a letter

yet they were still using it

[Sparkie1723]

Re: Swift Advance After Repo

email sent to swift

- - - Updated - - -



now i understand why you said the letters from Eastern counselling were an important part

Attached is what the OFT said in the second page of a letter

[sofi3353]

Re: Swift Advance After Repo

email sent to swift

- - - Updated - - -

We have absolute evidence and confirmation from the OFT that Swift did not include Eastern Counselling in their CC licence from 2004, and as they have used it since that is deemed to be a criminal offence under section 39 of the Consumer Credit Act 1974 and its subsequent amendments 2006.

A claim can neither be pursued or defended against the background of an illegal act under the Doctrine of the Illegal Defence.
Sparkie

now i understand why you said the letters from Eastern counselling were an important part

[Sparkie1723]

Re: Swift Advance After Repo

We have absolute evidence and confirmation from the OFT that Swift did not include Eastern Counselling in their CC licence from 2004, and as they have used it since that is deemed to be a criminal offence under section 39 of the Consumer Credit Act 1974 and its subsequent amendments 2006.

A claim can neither be pursued or defended against the background of an illegal act under the Doctrine of the Illegal Defence.
Sparkie

[sofi3353]

Re: Swift Advance After Repo

This is what I have told sofi to send to Swift.
I just could not resist having a dig at them

Sparkie

Hi Sofi,
Send this to Swift tonight so that they have it by start of business tomorrow.. We have to try and buy you some time
Brian
To info@swift.co.uk


Just write Please pass this e-mail letter on to Eastern Counselling Litigation Department.


To Swift Advances plc16^th November 2016
Arcadia House
Warley Hill Business Park
The Drive, Brentwood
Essex CM13 3BH

Dear Sirs,

Reference agreement numberBA2347/49930

I write in reference to the forthcoming hearing in the matter of Swift Advances v Ourselves on 23^rd November 2016.

Our preparation for the hearing is reliant upon the provision of information by you with regard to the loan and the circumstances and level of the alleged debt.

We are therefore in your hands and the speed with which you comply with a Subject Access Request.

In those circumstances and with a view to minimising costs we would ask that you agree to a stay, of the proceedings, until say mid January 2017.

In the event that you will not agree we will make the Court aware of the representations we have made to you in an attempt to preserve Court time and make the same request directly to the Court itself.

We trust that you will concur that any other action will wholly disadvantage the inexperienced litigant in person with no experience of Court procedure.

You hold the information we need to provide a proper response and hope you will see we should not be disadvantaged by any delay instigated by our opponent.

Please respond by return.

will get onto it right away sparkie

thank you once again

sofi

[Sparkie1723]

Re: Swift Advance After Repo

This is what I have told sofi to send to Swift.
I just could not resist having a dig at them

Sparkie

Hi Sofi,
Send this to Swift tonight so that they have it by start of business tomorrow.. We have to try and buy you some time
Brian
To info@swift.co.uk


Just write Please pass this e-mail letter on to Eastern Counselling Litigation Department.


To Swift Advances plc16^th November 2016
Arcadia House
Warley Hill Business Park
The Drive, Brentwood
Essex CM13 3BH

Dear Sirs,

Reference agreement numberBA2347/49930

I write in reference to the forthcoming hearing in the matter of Swift Advances v Ourselves on 23^rd November 2016.

Our preparation for the hearing is reliant upon the provision of information by you with regard to the loan and the circumstances and level of the alleged debt.

We are therefore in your hands and the speed with which you comply with a Subject Access Request.

In those circumstances and with a view to minimising costs we would ask that you agree to a stay, of the proceedings, until say mid January 2017.

In the event that you will not agree we will make the Court aware of the representations we have made to you in an attempt to preserve Court time and make the same request directly to the Court itself.

We trust that you will concur that any other action will wholly disadvantage the inexperienced litigant in person with no experience of Court procedure.

You hold the information we need to provide a proper response and hope you will see we should not be disadvantaged by any delay instigated by our opponent.

Please respond by return.

[Sparkie1723]

Re: Swift Advance After Repo

once again thank you v much

is there any template letter that you know of which i can use for stay of proceedings??

Hi sofi
We have drafted one for you and I have just sent it to you by e-mail.
Sparkie

[sofi3353]

Re: Swift Advance After Repo

Tomorrow, when I have more time, I will walk you through how that spread sheet works.

Regards

once again thank you v much

is there any template letter that you know of which i can use for stay of proceedings??

[Determined]

Re: Swift Advance After Repo

thank you

i understand

will get on to the stay of proceedings

Tomorrow, when I have more time, I will walk you through how that spread sheet works.

Regards

[sofi3353]

Re: Swift Advance After Repo

Correct and because they did not have to they did not. However if you read Paragraph M how could you ever pay a charge to avoid interest if they did not tell you. IT IS IMPOSSIBLE for an attempt phone call etc.

Read my note carefully and absorb what is being said.

We are trying to say that at worst their figures are wrong and need to be thoroughly examined.

They are saying, in our opinion, you owe £6000.00 + more than you do.

We can dissect the rest later. At the moment you need a 'stay' of proceedings to gather more evidence.

Regards

thank you

i understand

will get on to the stay of proceedings

[Determined]

Re: Swift Advance After Repo

yes i understand that now

the spreadsheet which i have is for charges up until february 2016 and i understand why you have done the spreadsheet up until october 2008 because prior to october 2008 swift were not required to inform customers of any charges

Correct and because they did not have to they did not. However if you read Paragraph M how could you ever pay a charge to avoid interest if they did not tell you. IT IS IMPOSSIBLE for an attempt phone call etc.

Read my note carefully and absorb what is being said.

We are trying to say that at worst their figures are wrong and need to be thoroughly examined.

They are saying, in our opinion, you owe £6000.00 + more than you do.

We can dissect the rest later. At the moment you need a 'stay' of proceedings to gather more evidence.

Regards

[sofi3353]

Re: Swift Advance After Repo

This spreadsheet is for charges UP TO OCTOBER 2008 but not for a penny afterwards.

Do you understand what it means.

Regards

yes i understand that now

the spreadsheet which i have is for charges up until february 2016 and i understand why you have done the spreadsheet up until october 2008 because prior to october 2008 swift were not required to inform customers of any charges

[Determined]

Re: Swift Advance After Repo

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

This spreadsheet is for charges UP TO OCTOBER 2008 but not for a penny afterwards.

Do you understand what it means.

This is what happened to the charges before October 2008 when you were never told they were being added.
Look at them in conjunction with the report.
I have done nothing with the charges after October 2008 because you were probably told about them.

If you have a spreadsheet, what is that one purporting to say.

Regards

Determined

[sofi3353]

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

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