Hi DM, I found the same when asking for the interest rates charged on my loan..... The reply I got from Swift included a list of AER and monthly rates..... Not an APR in sight! I've come to the conclusion that most of us on CAG probably know far more about interest rates and the associated terminology than Swift. Apollo18

Hi All, It's good to see that Swift are getting some of the bad publicity they deserve in the 'Mail On Sunday' !!!!! http://www.dailymail.co.uk/money/article-1358696/My-mortgage-10---Im-trapped-possibility-remortgaging-elsewhere.html Apollo18

Hi GML, 'Would some other cowboy company take them on'. YES!!!!! PROBABLY..... Apollo18

Hi GML, It may help if you write to Swift and request an 'Actuarial Accrual Account Summary', which appears to be the nearest thing they produce that resembles a full statement account. Perhaps then you might be able see exactly what charges and interest Swift have added, and how they claim to have worked out the balance still outstanding. Apollo18

Welcome back Sparkie!!! It's good to see you again!!! Apollo18

Hi All, I note that the OFT public register has been updated..... Swift Advances plc licence number 0391618 Licence Notes: Minded to Impose Conduct Requirement(s) 10/11/2010 Lets hope we don't have to wait too much longer!!!!! Apollo18

Well said SC.....I agree entirely Apollo18

Hi All, shoops.....It's worth e-mailing the details of your experience with Swift to David Blocksidge at the Office of Fair Trading. He has a file on Swift that is growing all the time, and the more complaints he gets regarding the way Swift operate and apply outrageous charges without your knowledge the better. The e-mail address for David Blocksidge is [email protected] Apollo18

Hi All, Very well put Doc.....An unfair relationship without a doubt! Does anyone know when the OFT will be publishing the findings of their investigation into a number of second charge lenders????? Only they've been stating it'll be in a few months time for quite a while now! Apollo18

Hi Cas, OFT = Office of Fair Trading I suggest that you address any correspondence to: David Blocksidge Office of Fair Trading Fleetbank House 2-6 Salisbury Square London EC4Y 8JX E-Mail: [email protected] The more complaints and evidence they get against Swift the better! Apollo18

Hi Marky, Did you say your loan agreement is regulated? I thought secured loans over £25K taken out before the Consumer Credit Act 2006 came into force were all unregulated! Apollo18

Hi Sparkie, It appears that your shadow sparkle72 has returned! Apollo18

Hi All, Excellent post Marky, I agree with you 100%. WLB - As others have commented, think very carefully before spending any money with claims management companies. Dominic Littlewood said on the 'One Show' earlier this week....."If it sounds too good to be true, it probably is", so tread carefully and don't be taken in by people who just tell you what they think you want to hear! Apollo18

Hi, westlandbabe.....pm = private message

Does this not suggest that Swift/Kestrel do indeed securitise? CISX - Listed Security Detail - GB00B3KJXL9 - Kestrel Acquisitions Ltd Apollo18