OK. So clearly we may have more than a few people ready to take on Swift. I'm pleased I don't have to go this alone. There are 2 angles to attack this issue from, The 'Class Action' I suggested and the 'Consumer Program' to raise the awareness. These I believe can go hand in hand and happen simultaneously. I'm terribly sorry this has come too late to save some people the pain of their clearly unfair repossession, but maybe something can be done retrospectively to compensate them if we are able to stop Swift in the courts. Clearly the most difficult thing initially will be gathering together to start this because of the anonymity of this forum. Equally, I have been told that Swift follow these and other forums and will be aware of what is said on here. So we do face some challenges. Nevertheless I think we should start by getting an idea of likely numbers interested. I will an indicative discussion with some Legals to set out the idea I have, as well as try to speak to someone at the FSA about what is being proposed and the reasons I believe there are serious breaches of the law or at least the spirit of the law by Swift. Pam56, are you able to find out about getting on a consumer program? I think getting on one of those would be the key to getting those 100,000 signatures we need to get this looked at by Parliament. I'm more than happy for any other input or advice anyone can give on this matter. I am by no means looking to lead on this thing, but as I will be taking on Swift regardless of anyone else joining me, I will be going doing some of the things I said above. Doing it together just means we can collectively get extremely good Legals and publicity to stop other suffering in silence and feeling alone against a 'giant'. Come join us !!!!!!

Many thanks. I will get what you suggested above. One question, obviously with Swift watching this as you indicated, they will know where it's heading when the information is requested. Is there anything punitive I should expect from them?

Hi everyone. I am in shock at what I am reading about Swift. My gran has very similar trouble with an original loan of £40,000, fell into £5,000 arrears, paid back £47,000 so far, and now being told there is still £39,000 to pay. WHAT !!!!! I can't believe this can happen in Britain in 2012. Reading the threads, it seems that Swift are getting away with it through many technicalities, while many of our countrymen suffer immense hardship at their hands. I am thinking of taking a leaf out of the Americans books by try to get as many people together to collectively take a class action against Swift. This may be the only way for the ordinary man and woman to afford to go all the way to the European Courts if necessary, while putting Swift through a very costly procedure. At the very least, there should be many many many cases where they have broken the rules or worse, that will be uncovered. I'm hoping to get as many people as possible to come together. So if you are interested in fighting back against this evil company/sharks, let's see what we can do.

Hi everyone. I am in shock at what I am reading about Swift. My gran has very similar trouble with an original loan of £40,000, fell into £5,000 arrears, paid back £47,000 so far, and now being told there is still £39,000 to pay. WHAT !!!!! I can't believe this can happen in Britain in 2012. Reading the threads, it seems that Swift are getting away with it through many technicalities, while many of our countrymen suffer immense hardship at their hands. I am thinking of taking a leaf out of the Americans books by try to get as many people together to collectively take a class action against Swift. This may be the only way for the ordinary man and woman to afford to go all the way to the European Courts if necessary, while putting Swift through a very costly procedure. At the very least, there should be many many many cases where they have broken the rules or worse, that will be uncovered. I'm hoping to get as many people as possible to come together. So if you are interested in fighting back against this evil company/sharks, let's see what we can do.