My wife and I entered an agreement with Swift in April 1995 for the sum of £20,000. Due to her contact MS which had a rapid decline on her i gave up employment 4 years later to care for here 24/7 This had a dramatic effect on our income and the extra expense in special equipment, alterations to the house and the expenses of outside care and in her last years the expense of nursing care. She died in 2008. During this period Swift where also kept informed of our situation the account fell into arrears they should no sympathy what so ever and continued hounding us with threatening letters and reposession action and continued adding charges. Bearing in mind the orginal loan was for £20,000 £80,000 has been paid and within the last weeks I am informed by Swift the current balance is over £154,000. therefore my calculation a £20,000 is costing me £234,000. Also they are now threatening me with loosing my home within weeks. I am 68 years of age. talk about making money out of misery and ill health Any help or advise would be of great help.