Hi kirby, I've just spotted your post en route to bed, but I'll be up early and will try and give you a response to go with..can't stop now, but this is a well trodden path sadly and your plight one I have come across only too regularly.

I'll be back in the morning....I had 5 yrs of these dross and in the thick of others who have been there too so maybe we can shed some light...

Sleep tight, there day is coming believe me.

A1

Hi kirby

You are going to see your MP today, so there's not a lot I can give you right now other than encouragement. Stella Creasey MP has been made aware of this company's activities as have the old OFT and the FCA.

There are terms in their contracts which are being tested by the Unfairness rules and I know of one on Blemain which although not in the High court yet, has past its way through the County court proving terms are unfair where charges are imposed as Swift do.

I was fighting Swift for a number of years along with a group of others and they will drain you totally in legal costs and then go in for the kill. What you need though is all the records they keep, which if you have POA for your late mothers estate you may be able to obtain, but you'd need advice on that as I am no legal buff, just a consumer like you and all the others.

With Swift, the devil is in the detail, so you need to get all the records pertaining to the account via your Subject Access Request, but they are hard as nails. Their legal operation under Matthew Payne and Stephen McConnell takes no prisoners and empathy is not something they have ever heard of. Challenge them legally and you will be stuffed with their solicitors and barristers costs.

I know far too many people who cracked under the pressure - hardened people broken by Swift's actions, you don't need to go far to find them, but the best way out is to pay them off as quick as you can and fight from the outside to get anything back.

Sadly I cannot get involved with Swift or sufferers any longer as a promise to my wife since we sold up so I am unable to spend any time further on your plight.

I can only suggest the FCA and the routes you have taken and to read as much as you can on here or other forums where Swift have been highlighted. A Google will direct you. We covered a phenominal amount of ground and it is still going on proving that Swift never owned the loans or had the right to sue...but it'll take some work to prove it.

Just don't break yourself or your bank taking them on.

Good luck.

A1

Please let us know how you got on with your MP kirby if you can...always useful to know how much interest they take...

Thanks and good luck..

A1