I don't know if any one can advice on my situation. I tried to claim back my PPI from LTSB a coouple of years ago as it was mis sold to me. It went to court and LTSB won. The magistrate at the time said I could apeal to the High Court but I did not have the resources/knowledge to do that. Am I able to claim again now that the new rulings have been made?

Will do as soon a I can. Please remind me if it does not get to you within the next week. Sorry i have not been much use so far but problems are just exasebrated by these people. Am sill under treatment. You are a star.

Kindest regards Sparkie. I do hope you are getting better and that your problems are significantly easing.

Hi Sparkie Have pm'd you also.

Good Luck tomorrow. Were all behind you.

Hi Smarterchick The bank I pay money to Swift at is Barclays sort code **7289 account no ****5818. Hope this is helpful!

I too would be interested in a group action but I am only in receipt of benefits due to long term illness so it would be very dependent on costs. I really do think this company needs to be stopped from trading and made to answer for their dodgy practices and those in charge made accountable. Hopefully it would help a lot of us who are living day by day on a knife edge less anxious about the future. It would definitely be an even bigger bonus if we could get back the unfair charges and be charged a reasonable interest rate or better still agreements deemed unenforceable where appropriate.

I also have received this leaflet today and was suprised charges had slightly decreased. Too late for these people to start making themselves "look good and fair".

Hi Sparkie Have not been about for a while. Was so depressed after court case with Swift where they made me agree to drop the Unenforceable Loan case under section ? of CCA that i disappeared into a black hole. Although their counsel did say that it did not mean I could not go down another route but dont know where to begin. Anyway now back again and They are on my back again. My circumstances are un changed and after their "kind" {ha ha) gesture of letting me pay half installments for 3 months now want full amount plus an amount towards arrears and no doubt they will charge me excessively for this. Also I am still under the threat of repossession. I see you are doing great things and the sumission to the Treasury Comittee looks good. It would be so good to give this company the grief that they so readily dish out,

Hi I have previous posts about my dealings with Swift and will be in court against them next week. Can you let me know how you know they are being investigated and also watching this website....I may be able to use this in court! Zeblet

Hi Sparkie Really feel for you and your friends. I expect you want to mull over things for a while . Zeblet

Hi Sparkie I agree media shpuld be involved. I have an update for you on my case and wonder whether I should pm latest documents to you. Court 12th March for suspension of possession order but of course Swift are contending the issue and have since had a threatening letter from them. I am at my wits end .

Sorry I have taken so long to reply but has been quite a hectic time. Hope you also had a good Christmas and A Happy New Year to you. I did go to the CAB but they said it was too specialist a subject for them to advise me on however they suggested i get a free half hour consultation with a solicitor to get advice, which I have now done. He said my first step should be to send a letter to Swift asking for a copy of original credit agreement and a statement detailing all payments made and all charges. Do I have to pay for this and do Swift have to reply within a certain time? Can you also let me know if there is a specific template for this? You are being a great help and I really want to follow this through to its conclusion. I am a bit concerned that the loan/mortgage is for over £25000 is this still eligible for this action? I am also pursuing LTSB through the courts on a totally separate matter regarding mis-sold PPI so that is taking up a lot of time at the moment.

Hi Sparkie New to this forum but feel I may be a Swift victim. Please could I pm my agreement etc to you. Basically i took out loan in 2005 for 27000. they immediately charged more interest than quoted and the interest rate has been further increased twice. I got into difficulty because of illness and was taken to cort for repossession but managed to get that suspended as long as payments maintained and some arrears paid off monthly.fortunately I had PPI which has actually paid out so helped a lot with the payments but these will end in January and I fear all will go pear shaped again as I am still unable to work. I have not received any statements and only got breakdown of payments received by Swift with court documents regarding the repo but it did not show any charges they have made. Can you advise? I will if paperwork seems incorrect continue the campaign to notify FOS. Thanks

No they were all done on the internet.

My three Egg PPIs paid out for a period of illness back in 2004 ( a serious neck problem) but I now have an unrelated condition which I have suffered from for several years due to some very tragic circumstances and the insurance company say that as it was a pre-exixting condition they will not pay this claim. This loan was taken out in October 2001 and i was not informed about or asked about medical conditions or pre-existing illness. Do i have any grounds to claim back on these PPIs?