Paul hi, I was interested in your comments regarding Swifts unlawful charges for the period you listed, only I took out a swift loan in 2007 for £7500 for ten years that's due to end in October this year. I have already paid back £15000 and Swift are demanding an additional £18500 IN October FOR INTEREST AND ACCOUNT CHARGES due to some missed payments during the last 10 years. This amount seems crazy I wondered if it is even legal I would have to sell my house to raise this sort of money. any advice or info would be appreciated. Best Regards J Dallison.