Thankyou I will do that. Thanks for your advice. Much appreciated.

I'd have to have a look. I think I will have original agreement but not sure about every statement.

It is a secured loan of originally 10k. I have been in arrears before but currently am up to date with payments. Last time I asked for a settlement figure was back in April and they said it would be £14487.

I don't know, I haven't got them. Loan was taken out approx 2005.

its currently running.

Can anyone tell me the best way to pay off a Swift Advances Loan? Lump sum or increased payment? I don't want to give them a penny more than I have to! Thankyou in advance.

Update: "About Churchbarn Autos, Blackpool As an independent business established for over 25 years, we are one of the best-known used car dealers in the Blackpool area. We pride ourselves on excellent customer care and attention to detail, we are sure you will agree that our quality of service is second to none. We aim to make sure that when you purchase your next used car from Churchbarn Autos in Blackpool the experience you have is a good one and we hope that you will have no hesitation in recommending us to others. 10 Good Reasons to Buy Your Next Used Car from Churchbarn Autos, Used Cars Blackpool • Value for Money – we check our prices on a regular basis so you can be assured you’re buying your next used car at the right price. • Good Choice – we handpick all of our quality used cars. • Great Customer Service – we offer a friendly, reliable service that is second to none. • Knowledgeable Sales Staff – whatever your question, our highly trained sales staff will do their utmost to help. • No-nonsense Finance Deals – we can arrange Used Car Finance to assist with the purchase of your new car. • Great Deals on Part Exchange – trade in your old car to help finance your new one, we are happy to offer you a no obligation quote. • Quality Aftersales Care – we can arrange protection of your used car with our own 3 month used car warranty, which can be extended if required. • Regular Promotions – great value internet deals from a trustworthy local dealer. • Good Reputation – with many recommendations from previous customers we have built up a solid reputation for our used car sales and services. • Easily Accessible – we are open 7 days per week and conveniently located in Highfield Road, Blackpool, if you are travelling by public transport we can arrange local collection from Blackpool South Shore station if you give us prior notice." The above is from Churchbarn Autos website, Great customer service?? The way I have been spoken to when I have been trying to get from them what they promised is atrocious. Yes I have finally got the spare key after being told "you have had the car 3 months, you can manage without it the monday"( the original excuse being he didn't have the log book to order the key, how do you sell a car without a log book?) and "you got a parcel shelf out of it didn't you?". Shouldn't a car have a parcel shelf and 2 keys anyway? It seems they are eager to get your money and then the after sales care goes to pot. Good reputation?? Not if Brian speaks to all his customers like that. When I went to pick the key up, I got abuse from Brian ranting over he didn't have to get me a key etc. He sure knows how to get repeat business. The service from Mercedes garage was fantastic by contrast and kept me informed of everything.

Thanks for you reply but I dont understand the log book issue, you had the log book because I have just received it (although it is a present winging its way back to DVLA because it was in the wrong name) and it states previous owner as Autosave, so you must have had it at the time of purchase?

We bought a car from Autosave on 11th Sept, they wanted paying by cheque because there was a new "manager" taking over and didn't want the money going into the "old account". I was told at the time they would get me a parcel shelf which would take a week for the car we purchased.......we are still waiting for it despite several phonecalls to them. As far as I'm concerned, the money for the car went into the new account..presumably Churchbarn autos so they should honour what they said when the car was bought. I also wanted 2 keys with the car as most do and I have been told that when there is only 1 key it is a way of getting more money out of you. I refuse to pay anymore as they got full asking price for the car. I'm totally disappointed with the company and will not be considering them again for future cars.

I have asked Swift to refund me the excessive charges they have added to my loan over the past few years..over £2000.....they offered me £18! I declined their very kind offer! I am going to complain to the financial ombudsman...any one else had any luck?

Does anyone have an email contact for THE MORTGAGE BUSINESS? I have used the address on their letter to post to them but don't seem to be getting any replies! The address I have is PO Box 548 leeds LS1 1WU

Yes please. That would be great! Thankyou

Hi,can anyone give me an email address for someone at rbs. I'm stuck in a spiral of bank charges. Posted a letter to my local bank two weeks ago but have heard nothing.

thanks pam56, I am going to attempt to get some of the charges back, what letter do you send at first?

Hi, I asked for a SAR from Swift, they sent me a copy of the agreement! Wrote to them again and finally got a history printout detailing things from them, like a notepad type computer printout. But they refuse to give me a breakdown of charges as they are "not personal data"!!

this is the letter I sent re SAR: Subject Access Request Dear Sir/Madam Please supply me with all data that you hold on me. This includes in particular, but is not limited to, the following:- 1. The original signed, executed credit agreement and any terms and conditions that applied to the account/s at the time of default and at the time the account was opened. 2. Where there has been any event in my account history over this period which has required manual intervention by any person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my account. 3. True copies of any notice of assignment and default notices or enforcement notice that you sent me, with a copy of any proof of postage that you hold. 4. Documents relating to any insurance added to the account, including the insurance contract and terms and conditions, date it was added and deleted. 5. Details of any collection charges added to the account; specifically, the date they were levied, the amount of the charge, a detailed financial breakdown of how the charges were calculated, and what the charges cover. 6. Specific details of the fees/charges levied by any other agency in respect of this account and a detailed breakdown of said fees/charges and what each charge relates to and on what date said fees/charges were levied. 7. A genuine copy of any notice of fair use of my data as required by the Data Protection Act 1998. 8. A list of third party agencies to whom you have disclosed my personal data and a summary of the nature of the information you have disclosed. 9. Copies of statements for the entire duration of the credit agreement. 10.Termination notices. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. Yours faithfully,

i have gpot my so called SAR from Swift,,,,a page of "Summary of personal data as defined by data protection act 1998 held by swift advances plc"...a page of "legal charge (non FSA Mortgages)". a page of."fixed sum loan agreement"....."repayment record" and "list of transactions"........?? I thought I'd get more than that?

statement.bmp

from 06/12/2007 to 6/07/2012 Instalment due: 6537.44 Bounced items 467.22 Monies received: 5687.76 Arrears 1316.90 Arr.in months 11.3 Thats all on the last printout.

just looking through the papers, I can't see anywhere the total of fees in charges. They have just put a repayment record.on.

Elle-enn............Whats my next step with Swift? Do I just leave everything now and hope that I can make the payments?

I have emailed Swift asking about the SAR request that they have cashed cheque for but not recieved an acknowledgement of it, they sent this email back......I havent recieved a thing! We write further to your e-mail dated 7th August 2012, regarding a subject access request. Please be advised that Swift has previously responded to your request. A further copy of our response will be posted to you today. Yours sincerely Alan Loblack Complaints Officer Swift Group Arcadia House Warley Hill Business Park The Drive Brentwood Essex CM13 3BE Internal: 5003 External: 01277 359 570 E-Mail: [email protected]

sent an email to OFT, here's there reply: Consumer Credit Act 1974 (the Act) Complaint Against: Swift Advances Plc Licence No: 391618 I refer to your email on 1 August 2012 sent to Sam Bragg concerning your complaint about Swift Advances Plc (Swift Advances). Your complaint concerns an agreement you entered into for a second charge loan with Swift Advances. As you may be aware, the Office of Fair Trading (OFT) has responsibility for the enforcement of the Consumer Credit Act 1974 (the Act) which regulates secured lending including second charge mortgages. Under the Act, in order to engage in certain consumer credit activities, including lending, businesses must hold a consumer credit licence; this is issued by the OFT. Swift Advances is licensed under the Act. In order to hold a credit licence, a business must satisfy the OFT that it is fit and competent to do so. This includes ensuring compliance with all relevant consumer protection legislation. You have complained that they have sent court papers for repossession of your house and that got into arrears on a second loan you took with them because they did not ask you proof of income when you took the loan and it is impossible for you to pay off the arrears with the amount of interest and charges they are adding on the loan. We are grateful to you for bringing your concerns to our attention. We have noted the details of your complaint, and we will consider this alongside any other complaints we may receive on this issue. If we did decide to take any action against this trader we may need to contact you again in the future. Unfortunately, we cannot disclose any details about any action we may take, due to legal restrictions on the OFT relating to disclosure of information. While we are sorry to hear about the problems you have experienced, I should make clear that our remit does not permit us to intervene on behalf of individuals to resolve complaints. The Financial Ombudsman Service (FOS) can help with most complaints about consumer credit products and services if the consumer has failed to satisfactorily resolve the matter directly with the consumer credit licensee itself. If you have not already done so, we suggest you raise your individual dispute with FOS at the following address: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR; 0845 080 1800; or www.financial-ombudsman.org.uk. Thank you again for writing to us and bringing this matter to our attention. Yours sincerely Olushola Egbowon Enquiries and Reporting Centre Office of Fair Trading

Just rang the courts......Possession order granted but suspended for 28 days on provisal of current monthly installment plus £25 towards arrears of £1291.64, she sending me a copy out. My emails hadn't been put on file but she said she will put it back up to the judge. I don't quite understand, isnt that what I asked them for in the first place? Does that mean if after next months payment they can go back to court??

i've sent it to you in a private email