Business Profile

Financial Services

Swift Disability Services Ltd.

BBB Accredited Business A Rated by BBB

Complaints

Customer Complaints Summary

12 total complaints in the last 3 years.
8 complaints closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:27/03/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Swift Disability Services is demanding a 24% commission ($[Insert Amount]) for a Disability Tax Credit (DTC) approval they did not contribute to. I signed an agreement with them on October 18, 2023, but their submission was never approved by my doctor, meaning it was never officially filed with ***. I independently completed my application by paying for medical records, working directly with my doctor, and corresponding with CRA myself. I also requested a file closure on January 12, 2024, ensuring they had no role in my approval.Additionally, Swift did not notify me of the 12-month discreet contract renewal, which may invalidate any continued obligations. As a vulnerable individual, I find their practices predatory and unfair. Their demand for payment is unjustified, and their continued pursuit of payment feels like harassment.
Business Response
Date: 27/03/2025
At Swift, we take all complaints seriously, and we are committed to resolving concerns transparently and fairly. However, after carefully reviewing the details provided, we would like to clarify our position regarding your situation.
It is important to note that you entered into a contract with Swift Disability Services on October 18, 2023, wherein you agreed to work with us to assist with your Disability Tax Credit (DTC) application. As per the terms of our agreement, which you signed, we outlined the specific obligations of both parties. You were made fully aware of your responsibilities under this contract, including the following:
2. Client Obligations and Acknowledgements:
2.1 Client agrees and acknowledges that he or she shall:
(a) cooperate fully with Company on a timely basis and warrants that all information provided to Company in connection with providing the Services is current, complete, true, and accurate at all times and in all respects;
(b) be responsible for payment of any and all fees charged by a medical practitioner connected to the performance of the Services;
(c) not engage or appoint any other representative to render services that are identical, or similar to, the Services contemplated under this agreement to the Client;
(d) not apply on his or her own behalf to the *** within twenty-four (24)months of the Effective Date, for the Benefits corresponding to the time period for which Company prepares an application to the *** under this Agreement.
As per this agreement, you were advised explicitly that you could not apply independently while under the terms of our 24-month contract, which was clearly explained to you at the time of signing. Additionally, all relevant details about our services and responsibilities were outlined, including the requirement for cooperation between you, your doctor, and our team to facilitate the application process.
While we understand that you felt the need to complete the application independently, we want to emphasize that by breaking the agreement terms and continuing the application without our involvement, you are in breach of the contract. The commission fee of 24% that we are requesting is in accordance with the terms of the signed agreement, as we were contracted to assist with your DTC application.
Regarding your claim about the submission not being approved by your doctor, we would like to reiterate that it was made clear in our communications that we could not proceed without medical validation. Furthermore, we confirmed with your doctor that they were supportive of signing the necessary forms, and you were made fully aware of the requirement for this collaboration. Despite this, on January 12, 2024, you requested to close your file, stating that you no longer wanted to proceed with our services. However, at that time, you misled your client manager by expressing that you wanted to close your file,while simultaneously continuing to pursue your application independently. As noted in our records, we confirmed that your actions suggested you were likely applying independently, which was later proven to be true.
We also want to stress that, as previously discussed, you were informed that applying independently would violate the terms of the agreement, and the service fee would still be applicable. This was acknowledged on your end.
As for your claim regarding the lack of notification about the 12-month discreet contract renewal, we assure you that all terms are clearly outlined,and the continuation of obligations was part of our standard process.
We understand your concerns and regret that you feel this way about the situation. However, we want to reiterate that our invoice is justified under the signed contract. We have always acted in good faith, and our intentions were to assist you through the application process.
Our preference is to resolve this matter amicably, we are open to discussing a fair resolution. Please feel free to contact us directly to discuss this further.
Customer Answer
Date: 27/03/2025

Complaint: 23122926

I am rejecting this response because:
Swift Disability Services' response contains several inaccuracies and misrepresentations. I am disputing their claim for payment based on the following points:
1. Swift Did Not Submit My Application
- Swift claims I breached the contract by applying independently, but they never submitted an application on my behalf.
- Their submission was never approved by my doctor, meaning it was never filed with CRA.
- I independently handled all necessary steps, including securing medical records, coordinating with my doctor, and communicating with CRA.

2. No Services Were Provided That Justify Payment
- Swift is demanding a 24% commission for an approval they had no role in securing.
- I requested a file closure on January 12, 2024, confirming I no longer wished to proceed with their services.
- At the time of closure, no application was submitted, and no CRA approval was pending due to Swift's involvement.

3. A Credit Has Not Yet Been Received from CRA
- ************ benefit has been issued to me by *** at this time.
- Swift is demanding payment before any credit has even been granted, which is both unfair and unjustified.

4. The Contract's 24-Month Clause Is Unfair and Unenforceable
- Swift is attempting to charge a fee for work they did not perform.
- Their contracts restriction on independent applications is questionable and may not be legally enforceable.
- Since no services resulted in an application being filed, I am not bound to pay for work that was not completed.

5. Failure to Notify Me of Contract Renewal
- Swift claims the renewal process was clear, yet I received no formal notification of any renewal.
- Given that I terminated services in January 2024, continued obligations should have been nullified.

6. Predatory and Unfair Business Practices Against a Person with a Disability
- As a person with a disability (both federally and provincially), I find Swifts actions particularly harmful and exploitative.
- They are pressuring me for payment despite not submitting an application or securing approval on my behalf.
- Their aggressive demand for fees without delivering services is unfair and unethical.
Desired Resolution:
I request that Swift (1) Void the unjust invoice, as no credit has been received by *** through their efforts. (2) Confirm in writing that I owe nothing and will not be pursued for payment. (3) Cease all further contact regarding this matter.

Swifts claim for payment is baseless, and I urge the BBB to recognize their unfair practices and hold them accountable.

Sincerely,
******* *******
Business Response
Date: 27/03/2025
I would like to address the points youve raised:
Submission of the *********************start="111" data-end="114"> The T2201 form was completed and submitted to your doctors office on November 7, 2023, as per our agreement, and this was confirmed by your doctor's office. Since then, we made 16 follow-up attempts both with your doctor's office and with you to obtain updates on the status of the forms. On January 12, 2024, your doctors office informed us they were willing to sign off on the forms, but you subsequently advised our staff that you did not wish to proceed. At that time, we reminded you of your contractual obligations under the 24-month agreement, which restricts you from applying independently, and you acknowledged and agreed to this.
Services ******************start="786" data-end="789"> We have provided you with a detailed proof of work outlining the efforts weve made on your behalf. Breaching your contractual obligations does not absolve you of your responsibility to pay for the services rendered.
*** ****************start="1028" data-end="1031"> The *** approval process can take time, but the obligation to pay remains as outlined in the agreement.
24-Month *******************start="1212" data-end="1215"> The 24-month commitment and restrictions on independent applications were clearly indicated and acknowledged at the time of signing as well as when you requested to close your file. These terms are enforceable.
Contract *****************start="1405" data-end="1408"> The renewal terms are clearly indicated on our service agreement which you reviewed and signed.
Misrepresentation to ***:
We have been transparent in all our communications with you. However, you misrepresented that your doctor was unsupportive, which led to your decision to apply independently. This action directly violates the terms of our agreement.
While we have been consistently working to find an amicable solution with you without success, we are still committed to working on a collaborative solution together. Please let us know how you would like to proceed in this matter.
Customer Answer
Date: 27/03/2025

Complaint: 23122926

I am rejecting this response because:
I must address several inaccuracies and misrepresentations.

Swift's claim that my doctor agreed to sign off on the T2201 form is false. Before my file was transferred to Sanaz, I spoke directly with ****** and clearly communicated that my doctor would not work with any third-party organizations, including Swift Disability Services. ****** expressed sympathy regarding this at the time. My doctor did not agree to sign the forms, and I have recent email correspondence (dated March 25th, 2025) from my doctor confirming this, in addition to the fax you sent to his office on November 6th, 2023.
While Swift claims to have provided "proof of work," there was no submission made to the *** by your company, as my doctor never signed the forms. Therefore, your continued attempts to contact me are irrelevant since no application was ever filed with the *** under Swift's involvement.
Misrepresentation to ***:
Your assertion that I misrepresented my doctors position is incorrect. I have been transparent in all my communications, and my decision to apply independently was solely based on my doctor's refusal to engage with Swift, which I communicated to you clearly.
Contractual Terms & Invoice Validity:
As per Sections 3.1a & 3.1c of your contract, payment is only due if benefits are recovered due to Swifts services. No refund has been issued based on your work, making this invoice invalid. Moreover, contracts are generally only binding when services have been provided that directly lead to an approval or recovery of benefits. Since Swifts involvement never led to an application being submitted or approved, no obligation for payment exists.

Given these clarifications, I request that Swift immediately void the invoice and cease all further demands for payment.

Sincerely,
******* *******
Initial Complaint
Date:19/03/2025
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Swift disability deceived me and anyone else that looked at their website. They claim that they could get you $45,000, through your claim. I did some research and realize quickly that is not true. When I first spoke to them, this company *** immediately said I was signed up for three years. There was no discussion of opting out after a year, I was told I was in. Based on this, I signed a contract, which in small print mentions that you can opt out after one year. I madeI clear well before that I wanted it out, was no longer interested in their services. That was ignored, after contacting them a number of times and explaining my situation, I was send a text from a manager who told me that that if I merely hold off and then cancel at the end of January, I would be finished with them. It was a slimy move, since that date was just after the date I had to opt out. I feel deceived, cheated, this this company preys on the weak, those desperate for help with this tax form, on the website also includes the idea that if you fill out the forms incorrectly, you will not be eligible. When I spoke to my doctor, she wouldnt sign it, she thought it was ascam as well. Swift just kept calling and calling telling me to get my doctor to fill out a form when I told them was not going ***** I said this business throws out so many false claims, makes it seem much better than what it is, when numbers are put on the website page theres also no mention thatthey take 33% of whatever you get from the government. Thats not mentioned on the website page.Swift Disability ignored me, informing them well before the date to renew for a second year, absolutely ignored me.This is a sketchy company which attempts to convince you of something that was just not true. And then ignored me when I told them that I wanted out. I have an invoice from a company, which did me next to nothing and would not stop harassing me when I told him I wasnt interested.
Business Response
Date: 19/03/2025
I wanted to clarify a few points regarding your concerns. Firstly, the invoice you have received is not related to the quality of our service or your dissatisfaction with our business. It is directly linked to a breach of contract on your part, which occurred when you removed CRA authorization for a second time. As you were advised previously, removing this authorization is a breach of the contract terms. In fact, the last time you removed access, we clarified that it was considered a breach of the agreement, which prompted you to reauthorize us at that time.
We are not seeking payment for this invoice because we wish to penalize you, but rather because we are trying to resolve this matter in a way that is consistent with the contract terms. We are simply asking that you cooperate and reauthorize CRA access as you did before. This would resolve the issue, and no further steps would be necessary.
Additionally, our contract explicitly requires 30 days written notice to terminate, which we never received from you. We understand that your situation is difficult, and weve made every effort to be patient and understanding, especially given your medical challenges.
We also want to address your concerns about our fees. From the start, we have been transparent with our fee structure, which is 24% plus GST. All refund estimates are based entirely on your individual situation, and we have worked with you to the best of our ability, providing clarity throughout.
We also understand that some doctors may not be supportive of working with third parties. However, in your case, we communicated clearly with your doctors office, who informed us that the doctor may support your application if you scheduled an appointment to come in. We explained this to you at the time, but we also understood that you were in the hospital and respected the time you needed to recover.
We genuinely want to assist you, but we must also ask that you adhere to the terms you agreed to. We're here to help, but the cooperation and adherence to the contract is necessary for us to move forward smoothly. We are not looking to penalize you or escalate this situation unnecessarily.
Please reach out to us as soon as possible so we can resolve this matter without further issues.
Thank you for your understanding.
Customer Answer
Date: 26/03/2025

Complaint: 23087948

I am rejecting this response because: I did make clear Through email and text that my ** would not do it and that I Wanted out. I was notified by a manager that If I were to stay until January 25, that would be the end of my contract. So I Added them to my CRA in good faith, believing this manager to be honest. I literally told this manager I was finished with their company, If thats not written notice, I dont know what is. Charging me for not Adding them to my CRA account For a second term is simply wrong
As I mentioned, they were never upfront about the option to get out after one year, Making When I first made contact that this was a three year contract, period. This was a lie.
Sincerely,

******* *****
Business Response
Date: 28/03/2025
I would like to clarify that every client we onboard is given the opportunity to review our contract terms and conditions prior to us beginning any work. This was the case with you as well,and we have a signed contract on file that reflects the agreed-upon terms.
In response to your statement about communicating your intent to discontinue our services, I understand that you were in contact with a manager and expressed your desire to terminate the agreement. However, I want to reiterate that the contract outlines specific terms regarding termination, which include proper notice and adherence to the conditions set forth. As per our policy, if a client intends to terminate before the completion of the agreed term, the contracts terms on early termination.
Furthermore, Id like to address the misunderstanding regarding the term of the contract. While you were informed of the contracts structure, I understand your concern that the option to exit after one year was not made clear. I assure you that it is outlined in the contracts terms and was available for review before you agreed to proceed.
Regarding your comment about the **** I would like to clarify that access to the *** for a 24-month period is a key component of ensuring both parties are adhering to the terms of the contract. As outlined in the agreement, there is a specific clause that prevents clients from applying independently for services during the first 24 months of their contract. This is designed to protect the interests of both parties and ensure that the terms are fully honored throughout the contract's duration.
At Swift, we are dedicated to helping Canadians obtain the *** and we want to ensure you have the support you need throughout this process. We do not want to be invoicing you or collecting a fee if you have not or will not be applying independently. We kindly ask that you work with us to resolve this matter amicably, so we can continue to support your needs in a fair and transparent manner.
Thank you for your understanding, and we look forward to finding a resolution.
Customer Answer
Date: 01/04/2025

Complaint: 23087948

I am rejecting this response because:
I cannot believe that you were telling me That the conversation I had with your manager didnt matter. I feel like youre gaslighting me, in regards to this manager, and what was said. I granted you access. To my *** account, after I had said discussion with your manager, That was part of the agreement, so I did just that. What youre telling me is that that mans word and assuranceThat I could part ways With Swift if I were to do that Until January. I am blown away at, regardless of the Numerous conversations. about me being finished with Swift, because My doctor refused to fill out the sheets As I said, at this time, I really do believe that your company is gaslighting me as to what was said and agreed upon. It happened, with your manager. I can give you his name if you want, but Im Pretty sure he will deny it as well. Serious head games, great business model. I am not trying to trick or deceive anyone about any of this, why cant you just be true to your word. I am living off a small pension, I dont have this money youre looking for regardless, blood from a stone. But you knew this. My heart meds alone chew up 20% of my monthly income alone.

******* *****
Business Response
Date: 15/04/2025
I am the General Manager at Swift Disability Services and wanted to take a moment to acknowledge the frustration and distress expressed in this complaint. It is never our intention to cause further hardship, and I truly regret that our communications have led to this point.
That said, I must clarify that I have personally had several direct conversations with this client. Unfortunately, those discussions have not been productive in moving toward a mutually agreeable resolution. We have made every effort to explain our terms and conditions clearly from the outset. The authorization to access the *** was granted under the understanding that we would remain representatives until the conclusion of the contract term.
I want to respectfully clarify that no team member, including the one referenced, has the authority to unilaterally alter the terms of our signed agreement. Our agreements are consistent and binding, and any proposed changes must be documented and formally agreed upon by both parties. We are not disregarding the client's experiencewe are simply upholding the structure and intent of the agreement that was in place.
We understand that the clients financial situation is difficult, and we have always been open to working out a fair and equitable solution. That offer still stands. We are not seeking to escalate the issue unnecessarily; we are simply asking for the *** authorization to be maintained until the original term concludes, per the agreement signed.
We remain open to resolving this matter collaboratively and compassionately, and we hope the client is willing to re-engage with us toward that goal.
Customer Answer
Date: 15/04/2025

Complaint: 23087948

I am rejecting this response only because it was so vague in how we can come to a resolution. My financial position is this; I am poor. I am embarrassed to admit this, it shames me, but it is where I am at (bc this wasnt the case for 48 years)
please tell me how we can figure this out

Sincerely,

******* *****
Business Response
Date: 21/04/2025
Thank you for your response, and for your honesty in sharing your current situationwe truly understand how difficult it can be.
We want to clarify that we are not seeking any payment from you at this time, if our agreement terms are upheld. The only action were asking for is that you maintain access to the *** system as agreed upon in our contract. This access is essential for us to complete our work on your behalf. Once CRA access is restored, the invoice currently issued will be voidedno payment will be expected from you.
Our intention has never been to cause stress, and we are more than willing to work with you in a respectful and compassionate way. If you need support re-establishing your CRA access or have questions about the process, we're happy to walk you through it.
Let us know when you're ready to proceedwe're here to help.
Customer Answer
Date: 24/04/2025

Complaint: 23087948

I am rejecting this response because you have made no attempt at trying to come to some compromise whatsoever. Its like you ignore my emails and simply repeat yours over and over.
I have no idea what to do anymore, I am at a loss. I have nothing to show you with the **** absolutely nothing and I cannot afford this bill you sent me.
I am super tired of being sent this Ridiculous invoice, Simply Put l cant pay that and then pay my mortgage and Medication bills I do not have the funds!

Sincerely,
******* *****
Initial Complaint
Date:30/12/2024
Type:Customer Service Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
- Unjustified Invoicing and MisrepresentationI am writing to file a formal complaint against Swift Disability Services regarding their unjustified invoicing and misleading advertising late 2024 advertisement emphasized a "risk-free" and "cost-free" application process, which encouraged me to contact them.Following a brief phone consultation, Swift Disability Services determined that I may be eligible for their services. They requested access to my *** account and provided me with a contract outlining their services and obligations. Subsequently, they forwarded Part B of form *from the *to my doctor for ************* doctor expressed significant concerns about Swift Disability Services' practices, identified errors in the provided form, and ultimately questioned my eligibility for the claimed benefits. Based on my doctor's professional advice, I decided to discontinue my engagement with Swift Disability Services.I received a voicemail from a representative named*****accusing me of attempting to circumvent their services to claim the tax refund independently. This accusation is entirely unfounded and misrepresents the true nature of our interaction. Shortly after, I received an invoice from Swift Disability Services demanding payment for services that were never rendered. I assert that this invoice is completely unjustified and demand its immediate cancellation. Furthermore, I require written confirmation from either the (BBB) or Swift Disability Services acknowledging the cancellation of this invoice.I urge the BBB to investigate Swift Disability Services' misleading advertisements and potentially high-************************* tactics, which directly contradict their claims of a "risk-free" and "cost-free" service. I have included screenshots and relevant documents outlining our last interaction as evidence to support my claims.I appreciate your attention to this matter and expect a resolution that upholds consumer rights and upholds ethical business practices.
Business Response
Date: 30/12/2024
We understand that you may be upset, and we want to clarify the situation regarding the invoice in question.
The invoice you received stems from a breach of contract under the terms agreed upon in our service agreement. Specifically, within the first 24 months of our contract, the *** account must remain with Swift Disability Services. Removal of such constitutes a violation of these terms.
We have previously communicated this to you and offered the option to reauthorize us to continue handling your application. If you choose to proceed with reauthorizing us, the invoice can be nullified, as the charges will be removed once the contract is honored.
Regarding the completion of Part B of the application, please note that this form is always filled out based on the clients own recollection and the information they provide to us. We aim to accurately represent your situation to the best of our ability.
Additionally, we always include a cover letter when sending the form to your doctor. This letter allows the doctor to review the information and provides them with the opportunity to make any necessary corrections or changes if they feel it is appropriate. We encourage open communication with medical professionals to ensure that the application is as accurate as possible and reflects the clients condition properly.
If your doctor has raised concerns or suggested any changes, we are more than happy to work with you to address those adjustments.

We kindly ask for your cooperation in reauthorizing Swift Disability Services so we can resolve this matter. We want to ensure that all terms are met and the situation is addressed fairly for both parties. If you have any questions or need further clarification, please do not hesitate to contact us.
We look forward to your response and hope to resolve this matter amicably.
Sincerely,
Swift Disability Services
Initial Complaint
Date:17/12/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I had swift disability fill out the original Disability tax credit application last year and swift stated they couldnt help me with the application as it would be refused as all documents were lacking and my actual ********** is not correct . I begged swift to try harder as Im still on disability as we speak and it made no sense. Swift refused and closed my file in March 2024 . I had also told them about the contract with the errors which is *** & void as its not my name or date of birth. I later took matters into my own hands and went back to 1995 to every hospital archive and did all the papers , results, and made all the photocopies to prove of my disabilities and now months later as of November 2024 the *** accepted my claim as I made the corrections and paperwork. Swift now states that even though they closed my original contract with the errors as I never signed a corrected version of my actual ********** they still state I now owe them money as I (the client) did the work. Also they are charging for all the debts and credits of ten years of reassessment. I never received the amount they are billing me for work not done & file closed. So how does a company justify a bill of 2500$ at 24% of what I received which was 4771$ and all this work was done by me . Swift keeps sending me invoices and actually sent me a PAD AGREEMENT for my banking info without even the details or invoice prior so I find this company lacking in clarity, honesty, quality of work, illegal work ethics and on top of it all state they will send me to collections. How do you send someone you couldnt even get there legal name and date of birth correct !!!! My contract was never signed so its illegal!! They made threats to have access to my CRA tax account as well which they have but shouldnt because I didnt sign a proper corrected version of contract . If you listen to the transcript you will hear that the client pleaded with swift but they closed the file so what am I paying for??
Business Response
Date: 26/12/2024
Below is a detailed explanation of the matter, along with clarifications to address the concerns raised:
Contract Validity and Client Obligations:
This client entered into a legal agreement with Swift Disability Services, which included her digital signature, indicating her understanding and acceptance of the terms. A copy of this contract, containing her legal digital signature, has been attached for review. The clients claim that the contract is invalid due to incorrect details of her name and SIN number, as the contract reflects her agreement with full knowledge of its terms.
Service Provided:
Our team worked diligently on the clients Disability Tax Credit application, submitting the original paperwork based on the information provided by her. Upon review, it was determined that the supporting documentation was insufficient to meet **** eligibility criteria. Despite multiple attempts to assist the client, the client was not cooperative and forefront with her customer service representative.
Breach of Contract:
As per the agreement, clients are prohibited from applying independently to the *** for 24 months after entering into the contract. The client chose to submit her application independently during this period, which constitutes a breach of contract. This clause is designed to protect the significant time and resources invested by our team in assisting clients with their applications.
Outcome and Fees:
************************* (***) completed a reassessment of the client's claim, totaling $9,660.63. However, the *** deducted $4,889.59 from this amount to settle her outstanding tax debt, leaving her with a payment of $4,771.04 issued directly.
As outlined in the contract, our service fees are calculated based on the total reassessed amount ($9,660.63), not the payment amount issued after *** deductions. This calculation reflects the value of the full reassessment, including amounts applied to settle debts. The invoice sent to the client reflects the agreed-upon fee percentage of 24%, resulting in $2,318.56 plus gst.
Banking Information and Payment Requests:
Regarding the *** agreement, this was provided as a standard option for clients to settle their invoices. However, we understand the importance of transparency and apologize if the process appeared unclear. A detailed invoice was sent to the client prior to this request, outlining the fees and services.
Access to *** Account:
****************************************************************** maintains access to client *** accounts only to fulfill contractual obligations and provide ongoing support during the reassessment period. At no point was this access used improperly, and it remains a standard practice for representatives in this field.
Threats of Collections:
We must emphasize that the collection process is a last resort and would only occur if outstanding invoices remain unpaid after reasonable attempts to resolve the matter amicably. We remain committed to working with the client to address her concerns and reach a fair resolution.

Resolution Proposal:
We respectfully request that the client review the attached contract, which outlines the terms of our agreement, including her obligations and our entitlement to fees. If there are specific concerns or questions, we are open to discussing a payment plan or potential resolution to avoid escalation.
We strive to maintain clarity, fairness, and professionalism in all client interactions and welcome any further input from the BBB to ensure this matter is resolved satisfactorily.
Sincerely,

Swift Disability Services
Customer Answer
Date: 30/12/2024

Complaint: 22693897

I am rejecting this response because:
SWIFT DISABILTY HAS ANSWERED YOU IN 100% dishonesty !!! I want all recordings with swift to be heard and your response shows continued dishonesty!! Your clauses were not transparent and misleading!! The client did all the work and youll hear before the file was card on March of 2024 that I begged and pleaded with proper information . It is not the clients fault you your company gave poor quality work and made human errors !! Even in there response to BBB you wrote Error with SIN number it is error with my name & birthdate !!! The incompetence of an employee is not a clients fault and furthermore if a customer is not satisfied with the quality of work has a right to refuse any further dealings with said company.. They closed my file and have no further rights to my personal information which I complied to reinstate them as I had no idea as non of the clauses were explained to me only after when I removed them from my government file and they only want it to see what monies or results come from it!!! Debts in my file only came afterwards once the *** went back to 2014 . I have never had any debts until now and they never said it was full amounts for 10 years but only what would be final deposit!!! Im sick & tired of liars & thieves !!! If they can cancel me & get nothing from it then why cant I who did ALL THE WORK have to pay for my own research which I can back up with every hospital achieve I dealt with and paid for!! I want this company removed from my personal files, invoice removed as we dont pay people to do nothing and then lie 100% . I am not the only one and I think they should be transparent and make all the clauses explained accordingly as Im not the only one who complained about this very devious point!! Please reread there response to you as they made errors with that as well.. my name & date of birth was wrong and I advised them as Im not a liar as they are so the incompetence continues !! I will not pay for work not rendered especially when I have Al the proof Ive done all the work!! They cancelled & I want all voice calls shown to prove who is saying the truth once and for all!! I will go to the news media as Im tired of innocent people being taken for a fool and robbed !!!

Sincerely,

**** *****
Business Response
Date: 06/01/2025
We take all client feedback seriously and want to address your points thoroughly and respectfully.
First, we want to assure you that Swift Disability Services is committed to transparency and ethical business practices. We do not mislead or deceive our clients, and we strive to provide quality services to everyone who engages with us. We regret that you feel dissatisfied with your experience and appreciate the opportunity to respond to your concerns.
Transparency of Terms: When you initially engaged with our services, we provided a detailed agreement outlining all terms, including your responsibilities and our obligations.
Follow-Up and Support: Throughout your case, we made multiple follow-ups to assist you, including efforts to find a medical professional to complete the necessary forms. However, the process requires consistent collaboration, and our ability to move forward was impacted when communication ceased.
Errors and Inaccuracies: We acknowledge that an administrative error was made regarding your date of birth. This was a regrettable oversight, and we sincerely apologize for any inconvenience it caused. While human errors can occur, we strive to minimize them and correct them promptly when brought to our attention.
Efforts on Your Behalf: We respect your position that you contributed significantly to your case. However, clear communication would have been key so that we could have worked collaboratively.
Resolution: We understand that you are seeking to have your file closed, invoice removed, and any ongoing obligations terminated. While we cannot waive the fees outlined in our agreement, we are open to discussing a fair and amicable resolution to this matter. We encourage you to contact us directly so we can work toward a solution that considers your concerns.
We hope to resolve this matter collaboratively and in a way that provides closure for both parties.
Customer Answer
Date: 06/01/2025

Complaint: 22693897

I am rejecting this response because:
As your response still shows dishonesty on your part and you are trying to blame the client when in due respect it was for your employee who represents swift disability to explain the fine print and when I do read the fine print after your threats I noticed that I can indeed dismiss your contract in writing or email specially if the service was of poor quality, not explained in 100% honesty and errors. Your companys allowed to close my file regardless that I tried to find avenues to get approved and your company said there was nothing more to be done to advance my file so with all due respect close my file, remove all permission to my CRA account as there is no further use of you being there as I will appeal they errors on that as well but that will be none of anyones concerns. As I said you are calculating an amount that your company also said to me youd charge me 24% of what will be given at the end and deposited which isnt remotely any where near 9000$I received 4771$ and that to is a lie what you want to charge so how do you justify your invoice to be 2500$ approximation!! Your thieves & extremely dishonest so I suggest you go back and listen to all the recordings between me & your company!!! I want you completely removed from me and never to hear from your company again. Your prey on ill people and like I said it took me months to research my sickness and history when it took you one phone call to remove me so therefore Im justifying my dissatisfaction with your company as Im sure Im not the first nor the last. Have a good day.
Sincerely,

**** *****
Business Response
Date: 08/01/2025
We are committed to working collaboratively with you to resolve this matter. However, we must emphasize that without your cooperation, we are unable to move forward. As outlined in the terms of our agreement, which you signed, the balance remains your responsibility. Its also important to note that we do not have control over how the *** applies refunds, including their allocation toward outstanding debts, and this situation is outside of our influence.
To address your specific points:
Breach of Contract: By applying independently to the **** you have breached the terms of our agreement. Despite this, we are still open to finding a resolution if you are willing to work with us.
Service Explanation: Our team strives to ensure that all processes and terms are clearly explained.
Invoicing Concerns: Our fee structure is based on the agreement you signed, which specifies a percentage of the amount approved. The balance outlined in our invoice reflects this agreement.
If you are still open to resolving this matter, we remain more than willing to work toward a fair solution. However, if cooperation is not possible, we will be left with no choice but to escalate this matter through appropriate channels.
Please confirm how you would like to proceed. We remain hopeful that we can work together to bring this to a resolution.
Customer Answer
Date: 08/01/2025

Complaint: 22693897

I am rejecting this response because: You seem to not understand what is written or are reading it according to your own lies. How is it I am not cooperating, then I said and am repeating again .. swift disability was suppose to charge me 24% of what was deposited or debt either way you were suppose to get what was given to me not what COULD HAVE BEEN!!!! Then I reinstated you after your swift disability said I had to because even though you closed my file you have to be present in my CRA account. You never did the work & you can not send a person to collections who never signed a corrected version after the client pointed out the errors. Its fraudulent !!! I stand by what I said you didnt do the work and if you did we wouldnt be in this mess to begin with so take responsibility for your errors and remove yourself Entirely from me & you have no need to be in my CRA account as well or I will have no other alternative to do the same. If you were so transparent then why has so many sick individuals have this issue and also your threats are not professional at all. Your contract is invalid as it was signed yes but then I noticed it was wrong to begin with, your employee said there as no need as swift had no choice but to close my file as your company was not able to do anything for me regardless that if you listen to your recordings youll see I begged and pleaded but you had no care & sent my a written email stating its closed so no please leave me alone and I request to remove yourselves from my CRA account earlier than the du date of October *******!! I also suggest to stop threatening your clients and be transparent & possibly hiring someone to oversee the contracts are well filled out . Human error is not my issues as I advised your company so take the responsibility of your errors. Thank you

Sincerely,

**** *****
Initial Complaint
Date:14/11/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Appr.oximently 2 yrs ago i had a phone consultation with swift disibility about using thier services to qualify for a tax credir for disibility was told i qualified i was told to sign a concent form so they could release forms for my family ** to fill out and returnto them with the agreement i would reach out to my ** and let him know.. i did this. My ** was in no way interested in getting involved with tthem months went by. Swift disibility callrd me bCk lookimg for the concent forms. At this point i informed them my ** and i was not interested in thier services and would not be using them. More months went by and then a lady from zwift called me all agressive trying to get me to change my mind. I said NO not interested in your help. Shr even sughested i get amother ** to fill the forms out for me i continued to tell her NO. The conversation ended on that. Down the road i had a ortipedic sergun fill out the forms and i got approved for the tax break. Almost 7 months later. Swift starts emailing me and phoning me. **********. Bulling me sayung i signed a contract with them which i never and to this day have no copy by mail or email from thay time.thwy say i agreed not to seek other help for a period of 24 months which is a lie why would she tell me to seek another **s opunion if i signed sayimg im not allowed to. They sent it to a creditor called met credit which haa since ad**d interest to the ammount. I sent registered letters to both swift and met credit saying i am contesting this they were supposrd to het back to me in 30 days and never did this was done 1st week of sept 2024 yhisorning i recieved a email with threats from a lawyer on thier behalf. Over 60 pat the registered lettwr was sent demanding i pay for services from swift disibility i never used at all . Somehow they used my signiture on the release forms sent for my ** to fill out . To say it was for a contract. I never heard anything about a contract till all said and done.
Business Response
Date: 14/11/2024

We take pride in providing reliable assistance to clients applying for the Disability Tax Credit (***) and appreciate the opportunity to clarify the terms of our service agreement.

In reviewing this case, we noted the following:

1. Service Agreement and Contractual Obligations: At the start of our engagement, a Consent and Authorization form was signed digitally, which allowed us to communicate with relevant parties and complete the *** application on your behalf. This agreement outlined our mutual obligations,including a clause preventing clients from independently applying for the *** within a 24-month period from the agreements effective date. This clause is standard in our contracts, designed to protect the investment of time and resources that Swift Disability Services commits to each case. We would also like to clarify that the digital signature provided on your Consent and Authorization form is legally valid and binding under Canadian law. Digital signatures are widely accepted as enforceable agreements, and your signed consent form provided Swift Disability Services with the authorization to act on your behalf.

2. Communications with Medical Practitioners: We understand that you encountered difficulty with your initial family ******* *** did not wish to cooperate. Our team reached out to support you, suggesting options such as seeking assistance from an alternative medical practitioner. This was intended to help you move forward with your application and fulfill the agreement we had set. It was not a suggestion to breach our agreement but rather an attempt to keep the process moving for your benefit.

3. Independent Application Filing: Despite these efforts,our records indicate that you independently submitted your *** application with a different physician, which unfortunately constitutes a breach of the agreed-upon terms. As outlined in our contract, by submitting an application on your own, the contract was considered breached.

4. Efforts to Resolve the Matter: Since the breach, Swift Disability Services has made numerous attempts to resolve this issue directly with you, hoping to come to a fair and amicable solution. Unfortunately, our efforts were met with resistance, including multiple instances of yelling and vulgar language directed toward our team. We remain committed to respectful communication and regret that we were unable to reach a collaborative resolution.

5. Client Request for Legal Action: As a result of the ongoing dispute, you directly requested that Swift Disability Services take legal action to resolve this matter. Consequently, we have now engaged legal proceedings, as per your request. However, we would like to avoid the need for further legal involvement. To resolve this amicably, we encourage you to honor the terms of the contract you signed and settle the outstanding invoice outside of court. Should this not be possible, the court will ultimately make a final determination.

Swift Disability Services remains committed to transparency and respectful communication. We aim to provide each client with thorough support. If you wish to resolve the remaining balance amicably, please feel free to contact us directly.

Sincerely,
Swift Disability Services Management
Customer Answer
Date: 15/11/2024

Complaint: 22552123

I am rejecting this response because:

Sincerely,

****** ***
Customer Answer
Date: 21/11/2024
I decline thier response as it is 100% untrue. I did not sign a contract with swift disibility. At all and i informed them i was not going to. The signiture they say is mine electronically is in fact not mine. When the lady from swift disibility called me and questioned why i decided not to use thier services after my family ** declined. She in fact rold me that it was my perogitive and still no mention of a contract to me being signed at this time especilly no mention of a clause that was not disclosed to me. It was not until i stopped speaking with swift disability and indapendially proceeded with out them and quailified and recieved the dtc and 6 months or more went by bef9re she started emailimg me. Callimg me. Harrassing me. And even threatened me with her smug laughing at me. Telking me qait and see. Did this illedged contract with a signiture with my name appeared. These people r predators that snake their way around using vunerable disabled people to flat out scam. This dtc is in place to benifit me. Not them.
Business Response
Date: 21/11/2024

Our goal is always to work collaboratively with our clients, and we remain open to resolving this matter amicably. However, we must also emphasize that the allegations you have made against our company are both serious and false. Claims such as harassment, fraud, or unethical practices are untrue and undermine the integrity of our organization and the work we do to assist our clients.
If you do not wish to pursue a collaborative resolution, we are prepared to have this matter mediated through the appropriate legal channels, as you have requested.
We encourage you to reconsider this approach so we can focus on finding a resolution that benefits both parties. Please let us know how you wish to proceed.
Kind regards,
Swift Disability Services
Initial Complaint
Date:08/08/2024
Type:Billing Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Hello, I would like to file a complaint against Swift Disabilty. I had a phone consultation with Swift Disabilty regarding applying for the *** through CRA. My doctor would not complete the forms at the time, so I closed my file with Swift Disabilty. The worker I spoke with confirmed my file was closed.Or so I thought.I did not know they had a sneaky section in the contract stating I couldnt apply myself.Months later, I contacted CRA numerous times and completed all necessary forms, saw my doctor and got her to complete the forms she was required to fill out. I contacted CRA for updates monthly. I did not have any assistance from Swift Disability.Months later I was approved and Swift Disability called requesting a hefty payout, a payout for all my work, nothing they did. I refused the payout and they offered a 10% discount, this is for work I completed on my own. I refused. Then I was offered a 15% discount and threatened that if I didnt accept theyd send my file to collections. I refused. Once I began researching on BBB I could see that they attempt to regularly take vulnerable individuals money. Money they receive because of serious health issues.I see by numerous reviews, on this site alone, that I am not the only person being taken advantage of by this company. Im writing this in the hopes it can be resolved with Swift in a fair manner.I would also like to add to the complaints on here as a warning for other vulnerable people, with serious medical issues, to beware of this company. Call CRA yourself, they will kindly walk you through the process. You can do it yourself. Swift Disability takes advantage of people in a vulnerable state. Its completely wrong.This is the foundation of their business.
Business Response
Date: 12/08/2024
We take all client feedback seriously and are committed to resolving any issues in a fair and transparent manner.
We understand that you proceeded with the application for the Disability Tax Credit independently after initially consulting with us. While we appreciate your initiative, we must note that the agreement you signed includes a clause that specifically states you are not to apply independently to the *** within 24 months of the agreement's effective date. This clause is designed to protect the integrity of the process and to ensure that the work we undertake on behalf of our clients is respected.
That said, we genuinely want to work with you to reach a resolution that both parties find acceptable. While your application was successful, our firm invested time and resources in providing guidance and support to our clients, and our fees reflect this. We are open to discussing a mutually agreeable resolution despite the contractual breach.
Please feel free to contact us directly at ********************** so we can further discuss the situation and find a fair outcome. Our goal is to ensure that all our clients feel supported and fairly treated.
Thank you for your attention to this matter. We look forward to resolving this with you.
Customer Answer
Date: 13/08/2024

Complaint: 22113035

I am open to a small consultation settlement fee as discussed in our emails, however, thousands of dollars is unacceptable.
Swift Disability presented the idea of applying for the *** but did zero work for me.

After my doctor initially refused to sign the forms, I re-ignited the discussion with her. I followed up on several routes of potential help for my condition, and when those were not effective she agreed to complete the forms.
I then printed off the required forms from the *** website, researched how to complete them, and called the *** numerous times for direction. I applied myself, without any aid from Swift Disability.

Had Swift Disability applied on my behalf I would understand the payment requested but this did not happen. My case was closed. I was informed it was officially closed.
Be completely transparent regarding this hidden clause, as its a very sneaky way to get paid for not completing any work.

Sincerely,

*********************
Business Response
Date: 19/08/2024
We understand your concerns and would like to address them with full transparency. First, we want to clarify the work that was completed on your behalf:

1.Initial Assessment and Application Preparation: Our team conducted a thorough eligibility assessment for the Disability Tax Credit (DTC), informed you of a substantial potential refund, and prepared the necessary T2201 application forms. These forms were faxed directly to your doctor, and we confirmed receipt.

2.Doctor's Response: You initially informed us that your doctor was unwilling to sign the forms. At that point, we were prepared to take additional steps, as we have other procedures in place when doctors are hesitant to cooperate. However, after this communication, we were not informed of any further developments from your end.

3.Communication and Application: According to our records, no further communication was received from you regarding your doctor's change of mind or your decision to apply independently. This lack of communication is significant, as it is clearly stated in our contract that clients are not to apply independently within 24 months of the agreement's effective date. By proceeding independently without notifying us, you breached the contract, which is why the full amount was invoiced.

We take pride in being transparent with our clients and ensure that all contract terms are clearly communicated. Our intent is never to charge for work that hasnt been done; however, in this case, substantial work was completed before the situation changed and the breach of contract occurred.

That said, we are open to finding a fair and reasonable resolution. Please let us know when you are available for a call with management, and we can work towards a resolution that is satisfactory for both parties.

Sincerely,
Swift Disability Services
Customer Answer
Date: 20/08/2024

Complaint: 22113035

I disagree with a lot that was presented and that a substantial amount of work was completed on my behalf. However, I would like to come to a resolution.
Please email me. I would like this in writing. I believe you have all my contact information. And please have a manager email so this can be negotiated fairly and in a timely manner.

Sincerely,

*********************
Business Response
Date: 27/08/2024
We want to assure you that Swift Disability is committed to assisting our clients to the best of our ability. We understand that your situation has been challenging, and we appreciate your efforts in re-engaging your doctor and ultimately succeeding in securing the Disability Tax Credit (***).
Regarding your concerns, it is important to clarify a few key points:
Our Role and Involvement: As per our agreement, Swift Disability provided guidance and support in initiating your *** application. While your doctor initially refused to sign the forms, and you later took the initiative to pursue the application yourself, we were involved in the initial stages of presenting the *** option and providing the foundational support necessary for you to begin the process.
Contractual Agreement: Our agreement outlines the terms of payment, including the possibility of a fee if the client successfully secures the ***, regardless of the level of direct involvement Swift Disability had in the final submission. This is because our services extend beyond mere form submission; they include consultation, advice, and the initial groundwork necessary to navigate the *** application process.
Transparency and Communication: We strive to be transparent in all our dealings, however, its important to note that you had every opportunity to inform us of your doctor's change of heart and decision to sign the forms. By not advising us of this crucial development, it appears that you chose to proceed without our involvement in the final stages, which effectively cut us out of the process. This decision does not negate the fact that we provided valuable services at the outset, which contributed to your ultimate success.
Fair Resolution Offer: We have provided a fair resolution offer, including a settlement fee as discussed in our previous emails. However, without a fair and collaborative approach from both sides, we will not be able to move forward with a solution. We remain committed to finding a mutually acceptable resolution, but this requires cooperation and open communication.
We hope to resolve this matter amicably and continue to assist our clients with the same dedication and transparency that we have always upheld.
Initial Complaint
Date:06/08/2024
Type:Order Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I got in contact with swift disability to provide help for the process of DTC, disability tax credit. During the process all that has happened was acquiring health records then moving towards getting the forms signed for DTC, at this time I had stopped with Swift and proceeded on my own. How the business works is once I get paid from dtc they take a cut, and if I dont get paid they get nothing. So nothing accrued as in money and now Im being invoiced over $6000 dollars from them when there was no contract stating anything about money being owed. I took them off my CRA access as Im no longer going through with them and since then they been harassing me and demanding money when they dont have a right to. No one told me other wise and I wont be paying this ridiculous fee for a service that was free
Business Response
Date: 06/08/2024
Dear Client,
We appreciate the opportunity to address the concerns raised.
Our records indicate that the client engaged our services for assistance with the Disability Tax Credit (***) process. As part of our agreement, the client signed a contract outlining specific obligations, which include:
Cooperation and Accurate Information: The client was required to cooperate fully with our company and provide accurate information throughout the process.
Exclusive Representation: The client agreed not to engage any other representative or apply independently to the ********************* (CRA) for the *** within twenty-four (24) months of the effective date of our agreement.
Our files show that the client chose to proceed independently with the *** application, which directly violates clause 2.1(d) of the agreement. The contract clearly states that the client is prohibited from applying on their own during this period. Despite this, the client was approved for the *** after applying independently, as indicated in the attached files.
The invoiced amount reflects the breach of contract. By applying independently and subsequently receiving approval, the client triggered the payment obligation outlined in the agreement.
Additionally, we have made numerous attempts to contact the client to discuss a solution and work toward an amicable resolution. Unfortunately, these efforts have been met with a lack of cooperation.
We must clarify that our services were not "free" as suggested by the client. The terms of our agreement specify that our fees are contingent upon the successful approval of the ***. The fact that the client opted to proceed independently does not negate their obligation to pay for the services rendered, especially when those services directly contributed to the successful outcome.
We regret that the client feels harassed, but it is our duty to enforce the terms of the contract.
We remain open to resolving this matter and encourage the client to contact us directly .
Sincerely,
Swift Management
Customer Answer
Date: 07/08/2024

Complaint: 22101194

I am rejecting this response because:
The so called "attempts" made to contact me is untrue. If there were calls made, my phone might have marked it as spam. There are also other ways of communication that could have been done but i haven't received anything.
When on the phone initially with *************************, doing the assessment she had mentioned the services are free. That the company only gets paid when the client does. That right there is false information, secondly with most of the information on said medical forms they have information wrong, such as my doctors name. My doctor also didnt agree to sign anything or work with swift disabilities as he told me to not go through with it.
regarding the agreement these fees of 24% doesnt equal to the amount oweing of $6895, nor is close to the amount I was initially given by swift, the initial amount was closer to around $1500. So Im wondering where these numbers are coming from. The invoice is speculative and baseless as it has nothing on it but the amount owed and just stating its disability tax credit services.
The only work done was filling out the medical form and the agreement per se, which the medical forms I have already had that info in records with my doctor. So why am I gonna pay for a service that was initially never done with. The services never went through, the agreement is so vague on what its stating and Im not going to be paying anything for something I never received or gone through with.
This is down right predatory and not to forget infringing on the consumers rights act and it stating that:

The right to unfair treatment:
-Being grossly overcharged
-Being lied to or misled about goods or services
The few that apply

The right to take action when treated unfairly:
-cancel a contract without penalty within one year if a business is found to have used an unfair practice

Sincerely,

Brody Puech
Business Response
Date: 08/08/2024
We have reviewed the concerns raised by this client and are pleased to inform you that we have reached an amicable resolution with the client.
Both parties have agreed upon a solution that addresses the issues outlined in the complaint, and we believe this outcome is satisfactory for all involved. We appreciate your role in facilitating this process and consider this matter resolved.
Customer Answer
Date: 08/08/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

Brody Puech
Initial Complaint
Date:30/04/2024
Type:Order Issues
Status:
AnsweredMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Swift Disability has failed to acknowledge and accept the ending of the contractual obligation between their predatory, unethical business and myself. In section 8.2 of the agreement I signed it reads clearly as follows "This Agreement will automatically terminate: (a) if Client experiences financial difficulties (including but not limited to Swift Disability Services Ltd. chronic late or failed invoice payments) such that Company can reasonably assume that the Client can no longer meet its obligations under the Agreement; or (b) one (1) day before Client becomes bankrupt or insolvent, or a receiving order is made against Client, or an assignment is made for the benefit of creditors, or Client takes the benefit of any statute relating to bankrupt or insolvent debtors."On February 15th, 2024, I became insolvent and filed for Consumer Proposal with the Office of the Superintendent of Bankruptcy Canada. Proof of my filing is included in this complaint as evidence. I made Swift Disability aware of insolvency, the fact that because of my insolvency, our contractual obligations to eachother have ended, and that I will no longer be needing their services. Since then, Swift Disability has repeatedly hareased me with constant emails, denying that our contract has ended, and has even gone so far as to charge me an invoice for the amount of $3682.73, for a service they did not provide, and that I no longer needed. Swift Disability did not apply on my behalf to the *** for the Disability Tax Credit, nor have they done any "work" or provided me any receipt or explanation of Services Rendered as a justification for this absurd invoice. Swift Disability has threatened to send me a Letter of Demand if I do not pay them, and to send me to their "collections partner" if I do not pay. Again, it is a fact that I am insolvent, and that because of my insolvency, our relationship has contractactually ended. Please BBB, help me have them stop their harrassment.
Business Response
Date: 30/04/2024
We understand the gravity of your situation and want to address your concerns promptly and professionally.
Firstly, we want to clarify that we take our contractual obligations seriously and strive to uphold the highest ethical standards in our business practices. We acknowledge the clause in section 8.2 of the agreement you referenced and understand the implications of your insolvency on our contractual relationship. However, this pertains to clients who file insolvency in which our invoice is included in their creditors package. If you can provide your Trustees contact info or copy of your creditors package for review, we can determine whether this invoice can be included as part of the insolvency.
It is important to note that our invoice was issued after the date of your insolvency, and we were not made aware of your filing until you brought it to our attention.
Considering your insolvency and request for termination of our contractual agreement, we are willing to work with you to resolve this matter amicably. We understand that financial difficulties can be challenging, and we want to alleviate any undue stress or burden on your part.
We will gladly remove the invoice once we receive re authorization from the ********************* (***) and can determine that you did not apply for the Disability Tax Credit Independently. Additionally, if you require any further documentation or clarification regarding the breach of contract of services rendered or the invoice in question, please don't hesitate to reach out to us.
2. Client Obligations and Acknowledgements. 2.1 Client agrees and acknowledges that he or she shall: (a) cooperate fully with Company on a timely basis and warrants that all information provided to Company in connection with providing the Services is current, complete, true, and accurate at all times and in all respects; (b)be responsible for payment of any and all fees charged by a medical practitioner connected to the performance of the Services; (c) not engage or appoint any other representative to render services that are identical, or similar to, the Services contemplated under this agreement to the Client; (d)not apply on his or her own behalf to the *** within twenty-four (24) months of the Effective Date, for the Benefits corresponding to the time period for which Company prepares an application to the *** under this Agreement;
Our goal is to ensure a fair and equitable resolution to this matter, and we appreciate your cooperation in helping us achieve that.Please let us know how we can assist you further, and we remain committed to resolving this issue.
Customer Answer
Date: 07/05/2024

Complaint: 21628518

I am rejecting this response because:
First of all, there is nothing in the contract stipulating that Swift Disability needs to be included in my insolvency, or that Swift Disability requires to be part of my creditors package. As Swift Disability has offered to provide additional information, I would like to invite them to show me exactly where in the agreement it says they should be included in my creditors package, and access to my ********************* account. ********************************************* originally asked for proof of my insolvency, which I swiftly provided. After they received proof, it was then when they changed direction and came up with a new form of unethical, damaging manipulation, and told me they needed to be included in my "creditors package." For reference, what the agreement DOES SAY, is exactly as follows:
"This Agreement will automatically terminate: (a) if Client experiences financial difficulties (including but not limited to chronic late or failed invoice payments) such that Company can reasonably assume that the Client can no longer meet its obligations under the Agreement; or (b) one (1) day before Client becomes bankrupt or insolvent, or a receiving order is made against Client, or an assignment is made for the benefit of creditors, or Client takes the benefit of any statute relating to bankrupt or insolvent debtors."
Swift Disability is not adhering to the clear terms with which we agreed to, and is desperately trying to implement themselves into my insolvency, so they can get some sort of payment for a service they did not provide, I no longer needed, and for which we were/ are no longer bound to each other by.
Secondly, I let Swift Disability know of my insolvency long before they sent me the crippling invoice for $3,682.73, for which Swift Disability admits in their very response to my BBB complaint, was issued AFTER I let them know of my insolvency, which as agreed, AUTOMATICALLY TERMINATED our contract. Swift Disabilities justification for this invoice is "Breach of Contract" but there was no breach of contract, because I became insolvent, and let them know I no longer needed their services, as is my right. Swift Disability says that the reason for breach of contract is because I removed them from my ********************* account. Once again, there is nothing in the contract that says Swift Disability requires access to the *** to provide their services, and demanding such access is a breach of Federal Law. On the invoice I have been burdened by from Swift Disability for the sum of $3,682.73, there is nothing other than "Disability Tax Services" explaining what the invoice is actually for. There is no breakdown of costs or services rendered, or any justification for the invoice at all. As well there is no mention of "Breach of Contract."
Thirdly, Swift Disability did not apply on my behalf to the *** for the Disability Tax Credit. Our business relationship had legally and contractually ended long before that process could be finished, or even really begin. A quick search on the internet will provide many similar stories to mine, where Swift Disability viscously preys on people in the same sorts of ways. This is a company with a history of this type of damaging behavior. There are several complaints right here on the Better Business Bureau highlighting this fact. Another issue is that I have requested on multiple occasions that Swift Disability does not contact me anymore, and they refuse to be receptive to my wishes. They re-send the invoice almost daily, and have even called me to continue their harassment.
To quote Swift Disability directly from their response "Considering your insolvency and request for termination of our contractual agreement, we are willing to work with you to resolve this matter amicably. We understand that financial difficulties can be challenging, and we want to alleviate any undue stress or burden on your part." Swift Disability is directly causing undue stress and financial burden upon both my family and I, as admitted in their response. They are manipulating the facts, had no grounds to issue an invoice in the first place, and have now done more work defending themselves on this matter, than they ever did for the "service" they allegedly provided, but certainly didn't.
If Swift Disability truly does want to alleviate any undue stress or burden, then the only fair and amicable thing to do is the right thing, which is to acknowledge the facts, erase the invoice and leave me alone. Anything else, as has been the case so far, is directly causing undue stress and financial burden to both me and my family.
Sincerely,

*********************
Business Response
Date: 13/05/2024
.Upon reviewing your complaint, it appears that there may be a misunderstanding regarding clause 8.2 of the contract. Allow us to clarify that clause 8.2 is designed to address situations where a client's account is transitioned to a third-party collection agency or when we collaborate directly with an insolvency trustee. This clause does not excuse clients from their contractual obligations, including but not limited to, the completion of the eligibility assessment process and cooperation throughout the engagement.
We have meticulously documented the timeline of our interactions and the services rendered to you:
December 13th, 2023: Initiation of eligibility assessment process, and client agreement sent and duly signed.
December 15th: Comprehensive review of taxes conducted, with an estimated refund of $14,614 provided pending approval for the DTC.
December 19th: T2201 forms completed on your behalf.
January 9th: T2201 forms sent to your doctor's office ahead of the scheduled appointment on January 30th.
Regular calls and correspondence providing updates on January 11th, January 18th, February 1st, and February 9th.
February 9th: Confirmation received from your doctor's office regarding completion and signing of the T2201 forms by Doctor.
February 16th: Continued unresponsiveness from your end.
February 22nd: Notification received from you expressing a desire to cancel the contract due to a consumer proposal. You were informed that cancellation within the term is not permissible, as a consumer proposal does not always impact potential refunds from the CRA.
Notifications sent to you on February 29th and March 4th, ( At this juncture,we note that client likely applied independently as doctor has already signed off on forms)
April 8th: Removal of CRA access by you. We promptly reached out via calls and emails to remind you of your contractual obligations. Reinstatement of CRA access was advised to avoid invoicing for breach of contract.
April 15th: Invoice issued based on breach of contract due to CRA removal.
April 30th: Despite our efforts, you remain uncooperative in reinstating CRA access, hindering our ability to ascertain whether you have applied independently.
We want to emphasize our commitment to resolving this matter in a fair and equitable manner. However, your cooperation is imperative for us to proceed effectively. We are open to discussing potential resolutions that align with your needs and our contractual obligations.
Customer Answer
Date: 20/05/2024

Complaint: 21628518

I am rejecting this response because:
Swift Disability is not answering my questions or providing factual evidence from the agreement to support their arguments. What they are doing is manipulating the words of section 8.2 to try and fit their position, when there is absolutely nothing in there that alludes to needing to be included in my insolvency. As well, Swift has taken upon itself to "meticulously" draft a timeline of events, which is completely unnecessary, as I have already provided all e-mail communication with them as evidence in this case. Swift is trying to paint my character in such a way that I am a liar, and not honest or true in my position, which is a blatant attack on my character. This is not how a professional business should treat a client. I have never dealt with such a manipulative and deceptive entity before. Swift choosing to focus on a timeline of events is wasting everybody's time, including the Better Business Bureau.
Again, I will lay out three very specific questions with which I demand direct, quotable answers:
1. Show me where in the contract it states Swift Disability requires initial and ongoing access to my *** account to provide its services.
2. Show me where in the contract it states that removal of *** access is a breach of contract.
3. Show me where in section 8.2 of the contract it says that "...clause 8.2 is designed to address situations where a client's account is transitioned to a third-party collection agency or when we collaborate directly with an insolvency trustee."
None of these arguments are outlined in the contract as Swift Disability is saying they are. Swift is manipulating the language of the contact to fit their position, instead of abiding by the contract and allowing the agreement to "AUTOMATICALLY TERMINATE" as it clearly states, and is what I agreed to. Swifts actions are very intentional and as I have stated before, causing me emotional distress.
I will not give Swift Disability access to my *** account, because the contract does not say I need to, and because I have no good reason to trust that Swift Disability is acting in good faith. I do not trust their company, or anybody who represents them. I will, however, outline the fact that it is in no way beneficial for me to apply on my own behalf to the *** for the Disability Tax Credit at this time, as any money I am to receive from the government, will be directly applied to the outstanding balance of my Consumer Proposal. It is in my benefit to hold off on any future application until my insolvency has concluded and the balance is paid in full, which is not for another four and a half years. There is no room for assumptions in this matter, only facts and it is a fact that I am insolvent. With that, as agreed to by both Swift Disability and myself, our business relationship is now finished.
I urge anybody reading this complaint on the Better Business Bureau, not to sign a contract with Swift Disability, as they are vicious and relentless in their actions. It is very clear to me now that providing an honest service is not Swift Disabilities business model, and that the contract they have people sign, and defending the contract, is the actual business model. They provide a bare minimum service, which involves pressuring you into signing the contract, clicking a few buttons, a phone call or two, then sitting back and collecting a passive income indefinitely. Then when you have a perfectly legal and honest way out of the contract, the contract of which actually benefits nobody but themselves, they will harass you and manipulate the truth to no end, in defense of their contact. Swift Disability should be helping people with disabilities, not causing emotional distress and furthering financial burden to those they say they are in business to help.
If my response is not satisfactory to Swift Disability, then I will follow the process outlined with the Better Business Bureau, starting with Conciliation, followed by Mediation, then finally submitting a Demand for Arbitration if necessary. I will offer to retract my complaints with the Better Business Bureau against Swift Disability, if they agree to retract their invoice, and acknowledge and accept the ending of our agreement. My argument is factual and true, and Swift Disabilities arguments will not hold up in court, as the facts are not stacked in their favor.

Let's get this finished and in the past, please

*********************
Business Response
Date: 23/05/2024

We appreciate the opportunity to respond to the complaint filed by this client regarding the impact of his consumer proposal on his Disability Tax Credit (***) refund and the associated invoicing concerns.
Impact of Consumer Proposal on *** Refund
We want to clarify that the client's consumer proposal should not affect his Disability Tax Credit refund, as there is no debt to the ********************* (***) noted in his proposal. The *** typically offsets refunds against existing debts, but since no *** debt exists in this case, the *** refund should be processed independently of the consumer proposal.

Efforts to Resolve the Issue
We have made multiple attempts to work with this client to address his concerns and clarify the situation. Unfortunately, these efforts have not been successful. Despite this, we remain committed to resolving this matter amicably.

Client Obligations and Acknowledgements
Per Section 2 of our agreement, this client agreed to several obligations, including:
1. Cooperation: Providing current, complete, true, and accurate information on a timely basis. ( This would include *** access)
2. Payment of Fees: Being responsible for any fees charged by a medical practitioner connected to the services provided.
3. Exclusive Representation: Not engaging or appointing any other representative for identical or similar services during the term of the agreement.
4. Non-Application Clause: Not applying to the *** on his own behalf within twenty-four (24) months of the Effective Date for the benefits for which we prepare an application.

Swift has been fully transparent and communicative with this client throughout this process and we are committed to finding a resolution. Our goal is to ensure that all parties fulfill their contractual obligations fairly and transparently.

Sincerely,
Swift Disability Services Ltd.
Customer Answer
Date: 24/05/2024

Complaint: 21628518

I am rejecting this response because:
This is getting to be way past ridiculous. Again, Swift has not actually answered my questions, and I am assuming they are not answering them, because they are not able to answer them. Instead, they choose to dance around the facts, the main one being that they absolutely refuse to acknowledge and accept that our relationship has ended, due to section 8.2 of our contract, and my very true and factual insolvency. I am tired of getting the same response, with them saying that they are doing their best to work together to figure this out, when they have done nothing to work this out. At what point have they offered any solution other than demanding that they receive access to extremely sensitive information, which they are not privy to, and which the contract DOES NOT stipulate they need access to? Even in their own response in their last message, they confirm that I would be responsible for any fees incurred by my DOCTOR, not some made up invoice they came up with on their own, and now are demanding I pay. I am not going to pay anything whatsoever to Swift Disability. I will not give them access to my CRA account. I just want them to leave me alone.
Lets move on to the next step here. Or go straight to binding arbitration. I care not.

Sincerely,

*********************
Business Response
Date: 29/05/2024
We have received and reviewed your complaint. While we understand your frustration, we must address the inaccuracies and untrue statements regarding our business practices.

Firstly, we would like to emphasize that Swift Disability is committed to providing honest and effective services to all our clients. Our aim is to assist individuals in obtaining the benefits they are entitled to, not to cause distress or financial burden.

Regarding your specific situation, we would like to remind you of the obligations outlined in our agreement. Per Section 2 of our agreement, you agreed to several obligations, including:

Cooperation: Providing current, complete, true, and accurate information on a timely basis. This includes granting us access to your CRA account to facilitate the application process.

We have made multiple attempts to provide you with options to have your invoice voided and removed. Unfortunately, these attempts have not been successful due to your refusal to cooperate with the reasonable steps outlined in our agreement.

As you are aware, your contract is now at the demand letter stage. Given your continued non-compliance and refusal to resolve the matter amicably, we will have no choice but to proceed with the next step in escalations..

However, we are willing to offer a compromise. If you are willing to have your accountant provide proof from your CRA account that there is no application for the Disability Tax Credit in process, specifically under *********** Inquiry, Notices of Assessment ***** reassessments for 2014-present, and Benefits and Credits, we can re-evaluate the situation.

We regret that it has come to this, and we encourage you once again to reach out and discuss potential resolutions to avoid further escalation. Our goal remains to resolve this matter in a manner that is fair and satisfactory to both parties.

Sincerely,
Swift Disability Services Management
Customer Answer
Date: 30/05/2024

Complaint: 21628518

I am rejecting this response because:

Sincerely,
There is nothing whatsoever in the contract that stipulates that there is a fee for "breach of contract" which Swift Disability is basing their invoice on, for which they've charged me. There is nothing in the contract that says I need to give them access to my CRA account, and in fact, I was not made aware that they needed access to my CRA account until after they initially pressured me into signing the contract. I made them aware of my insolvency long before they deemed it necessary to go ahead and conjure up their absurd invoice, as well I had let them know I no longer needed their services at the same time. I have pointed out multiple times the very specific and clear terms in section 8.2 that ends our relationship due to my very real and factual insolvency, and Swift has continued to warp and change the wording to suit their needs. They have continuosly refused to accept that not only do I not want their services, but that they have no legal right to access the information they are requesting. They have manipulated their way into obtaining sensitive personal medical and financial information from me, including my full and complete filings involved with my insolvency. Though they know the facts very well, they refuse to accept them and continue forward with their threats of "escalation" and legal actions, all while dressing it up in a package to make it seem like they are trying to work together to come to an amicable agreement. Now they are requesting that I provide them even more sensitive personal information from the **** which again is not explained or agreed to anywhere in the self-serving contract they have their victims sign. There is nothing to work together for. Our obligations to eachother have ended the moment I became insolvent, in fact one day before I became insolvent, as both Swift Disability and I have agreed to. This is an unequivocal fact. It's a fact that does not work in Swift's favor as they would have it, but it is as clear a fact as there can possibly be.
I have attached a screenshot from my CRA account that shows I have not claimed any amount for the **** I trust this will be sufficient to end this miserable experience so we can all move on with our lives.
If not, I am demanding that the Better Business Bureau please step in, so we can move forward with Binding Arbitration. This needs to end. Swift Disability has been and continues to knowingly cause me great deals of emotional and financial distress.
*********************
Customer Answer
Date: 05/06/2024
[A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID .********, , and find that Mediation is necessary.
Regards,
*********************
Business Response
Date: 10/06/2024
[A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the consumer in reference to complaint ID .********.
Thank you.
Customer Answer
Date: 12/06/2024
[A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID .********, , and find that Mediation is necessary.
Regards,
*********************
Business Response
Date: 12/06/2024
[A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the consumer in reference to complaint ID .********, and find that Mediation is necessary.
Thank you.
Business Response
Date: 12/06/2024
[A default letter is provided here which indicates your acceptance of Mediation. If you wish, you may update it before sending it.]
Better Business Bureau:
I have reviewed the response made by the consumer in reference to complaint ID .********, and find that Mediation is necessary.
Thank you.
Initial Complaint
Date:23/02/2024
Type:Billing Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I contacted the company for help and they made it sound like I couldn't apply for the disability credits through *** without their help.They said they needed the original form filled by my doctor, but he refused, so I told them I couldn't get what they needed and to cancel my claim.My doctor explained that he could help me.Now they say I owe them *******, but I didn't use them for my case.
Business Response
Date: 23/02/2024
We appreciate the opportunity to address the concerns raised in your Better Business Bureau complaint, and we take all client feedback seriously. Our commitment to transparency and professionalism is paramount, and we regret any inconvenience caused.

Upon thorough investigation, it has been confirmed that the client breached the terms of our contractual agreement by independently applying for Disability Tax Credit (DTC) without the involvement of our services. Our records indicate that the client informed our account manager that the doctor would not sign the T2201 form, leading to the belief that he was unable to proceed with the application through our assistance.

Upon further examination, we discovered that the client had indeed submitted the application independently, contrary to the understanding conveyed to our account manager. We understand the importance of clear communication and adherence to contractual obligations in fostering a positive client relationship.

In light of the situation, we are committed to working on an amicable resolution that will work for both us and the client. We understand the significance of reaching a resolution and are open to further discussion with this client. We are willing to work collaboratively to address any remaining concerns and explore potential avenues for resolution. However, it is crucial to note that the invoice for our services, as outlined in the original agreement, still stands.

Once again, we appreciate the opportunity to address this matter, and we remain dedicated to delivering exceptional service to our valued clients.
Customer Answer
Date: 24/02/2024

Complaint: ********

I am rejecting this response because:
My doctor assisted me with my claim, not Swift disability. I understand they began to help, but then I told them too close my claim. No way am I paying $5005.98 for the amount of help received by them.
Sincerely,

*************************
Business Response
Date: 26/02/2024
We acknowledge and appreciate your recent communication expressing your rejection of the proposed resolution. We are committed to addressing your concerns and finding a compromise that works for both parties.

Despite our sincere efforts to connect with you and discuss the matter further, we have unfortunately been unable to reach you on several occasions. Your satisfaction is of utmost importance to us, and we are fully willing to work with you on an amicable solution.

Understanding that situations can be complex, we seek open communication to better comprehend your perspective and collaborate on a resolution that aligns with your expectations. Your input is invaluable, and we want to ensure that your concerns are thoroughly addressed.

It is crucial to note that, should a resolution not be reached, we may have no alternative but to escalate this matter . We sincerely hope to avoid such measures and believe that an open and transparent conversation can lead to a resolution that satisfies both parties.

We understand that your schedule may be busy, but your prompt attention to this matter is greatly appreciated. We value your business and remain committed to resolving this issue amicably.

Thank you for your understanding and cooperation.

Sincerely,

Swift Management
Customer Answer
Date: 27/02/2024

Complaint: ********

I am rejecting this response because:
I did not use their service in the end. They are scammers who take advantage of people, I am not the first one.
I am not paying a company for doing nothing

Sincerely,

*************************
Business Response
Date: 01/03/2024
Swift and this client have resolved this dispute together collaboratively.
Customer Answer
Date: 04/03/2024

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*************************
Initial Complaint
Date:21/12/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
* ******** * ********* ***** ****** ** **** **** *** ******** ** ******** ****** * ****** * ********* *** * **** **** * *** ******* **** ***** **** ******* ** ****** * ********** *** ******.I have not recieved any money from it yet but Swift has already made up an amount , and sent their Portion which is 24% to collections which is accruing interest as we speak and I have NOT recieved any money yet. Also according to CRA I will only get half of the money that Swift calculated and they would not change the amount for example I'll get around **** instead of ***** but they still say I owe them **** which is more than half.I am eligible for the *** but it could be 8 weeks away still and the interest is accruing right now , by the time I actually recieve anything I'll owe it all to interest.I really need help with this as I am stuck in a bad spot and don't know what to do.Any help would be greatly appreciated.If you need to know anything else please email me at ************************ Thank you.
Business Response
Date: 21/12/2023
We appreciate your reaching out to us and bringing your concerns to our attention via the Better Business Bureau (BBB). We take customer feedback seriously, and we are fully committed to resolving any issues you *** be experiencing.
After carefully reviewing your case, we have identified that your concerns involve invoicing you as a result of your removal of *** access. Please be assured that we are eager to address these concerns and find a satisfactory resolution for you.

However, we have encountered some challenges in our attempts to reach you and proceed with the resolution process. It has come to our attention that the ***** authorization, a crucial element of our contractual agreement, has been removed. This action is in breach of the terms outlined in our contract and has limited our ability to proceed with certain aspects of the resolution.

To move forward and expedite the resolution process, we kindly request your cooperation in reinstating the *** authorization. This step is essential for us to access the necessary information and take the appropriate actions to address your concerns effectively. Once this has been completed, we will be able to identify your refund amount and invoice accordingly.

We understand that communication is key in resolving any issues,and we have made numerous attempts to contact you without success. We genuinely value your business and want to ensure your satisfaction. Rest assured, your concerns are our top priority, and we are eager to work collaboratively to find a resolution that meets your expectations.
Please reach out to us at ********************** to discuss the reinstatement of the *** authorization and to provide any additional information that *** assist us in addressing your concerns promptly. We are committed to resolving this matter to your satisfaction and appreciate your cooperation in facilitating the process.
Customer Answer
Date: 27/12/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*************************************

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Swift Disability Services Ltd. is BBB Accredited.