Is their a template letter that I can send to swift advances to challenge unfair charges and interest charges and get them paid back to me my charges are currently at £1797.00 and £7545.23 in interest charges or do I have to get a sar I took a loan out with swift advances for £8000.00 in 2007 according to swift advances I have only paid off £254.00 of the loan in 7yrs I find this astonishing I wish I had never heard of them

Hi all I stupidly took a secured loan out 7 years ago with Swift advance for £8000.00 got into difficulty 4yrs ago due to serious illness which I informed them off so the payments were reduced from £140.08 to £100 per mouth never missed any of these payments only today I find out I have only actually paid of £285.12 of the loan and still owe £7714.88 which I find outrageous I can only presume that I have had a lot of charges applied to my account I am waiting now for my statements to be sent out to me Swift Advances are no better than loan sharks and all these pay day money lending company's and need to made accountable for their corrupt way of selling loans I have read some of the stories on here and I am shocked and horrified that the lengths this company will go to to get money out of people can we not go to the newspapers or somebody about them as they have to be stopped

I have a car loan with Billing Finance I have 6 more payments to pay until the car is actually mine I phoned them up last week to see if I could reduce my payments for the next 3mths as I am going into hospital on the 5th June 2013 for major surgery and will be of work for about 3 mths their answer to me was no as I have entered into an agreement with them and they dont accept reduce payments I have not missed one payment since I took out the agreement out. They are terrible people to deal with and they treat you like dirt anyone got any suggestions on what to do