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swansea osprey

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  1. hi glen Sorry to hear of your problem that you are having with Swift. they are a glorified,legalised money lenders.
  2. im with you on that i wish someone will blow swift up they are glorified,legalised money lenders.
  3. hi thanks for your replys :-)i just recieved Accrual Account Summary the charges were very high ,when i was late paying they sent out 2 letters sometimes more @ £23.00 each 1 for me 1 for my wife and phone calls sometime a few @ £12.00 and other charges its all added up over 10 years . i phoned swift and asked if i can put charges to the end of the loan but they said some companies will do that but its not there policy they said only way to reduce the interest is to pay extra £100.00 month this will be a credit on my account and will start to reduce the interest.i have not got morgage on my home thats paid off im sorry i ever had a loan from them i never missed payments just late i even changed the payment dates with them but this did not make any difference.i said why didnt any 1 contact explaining the charges they said they won't chase me for extra payments because im paying the contacted amount if i didnt notice this at the end of the loan i could lost my house if i could'nt afford pay the outstanding amount it makes me because i would not of minded being charged for phone call or letter explaining this. if i could reclaim all there rip off charges i be well of
  4. hi i hope someone can help i had taken out this secure loan in 2000 with swift advances I received account statement for period 23 january2010 to 21 january 2011 amount of credit for loan £15.000.00 amout credit for ppp: £2.268.00 broker fee: £1.200.00 opening balance as at 22 jan 2010 £25.762.35 closing balance as at 21 jan 2011 £26.623.52 payments due £239.99 payment recieved £240.00 fees charged interest £325.04 ect i phoned swift today and asked why is my balance going up he said give him a few minutes he then told me i had charges on my account of £5000.00 thats why the interest is high so i need pay an extra £90.00 month i said why didnt anyone contact me to discuss it before he then said ill send you out statement of all the charges i know i been late in my payments because i was off work sick for while but dont know where the £5000.00 came from but if they contacted me before explaining the charges i could paid extra off the balance instead of it getting so high even if i pay the extra £90.00 its going to take ages to it off with that interest could i ask them to put the charges at the end of the loan im lost in what to do about it thanks for any advice
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