Hi I am also a Swift customer but although we fell behind in my payments (due to losing the home business) they have an agreement with us to pay the full monthly amount plus £100 towards arrears until we get back on our feet financially. The only problem is we are selling the house and if we clear the mortgage and Swift we will have absolutely no equity left on the house for our new house. Can anyone tell me is it possible to transfer the Swift loan to a new property meaning we can have equity left over and can clear the current Swift arrears bringing us up to date? I would be grateful for any help.