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Everything posted by peugeott16

  1. thank you for the information, i am going to do an SAR once i have the requested documents what would the next stage be thanks
  2. hi after reading a lot of the threads on here about this company i thought i would ask a question i took out a loan long time ago when i lost my job i missed a few payments (my fault i suppose for telling Swift) after a while they sent a man round to discuss this (that or the house gone), they sorted a payment plan for the arrears which i paid to the end of the term BUT they say interest has accumulated to £xxxxx and would need a payment plan put in place which i did (no house if not) now 2 years down the line i still owe interest so to avoid the house been taken i agreed to pay £170 a month for 5 years (thought this the best way than court and taking the house) now i want to know is this lawful and is there anything i can do, i know they kept charging monthly fee of £60 for account fees an this is where they say the interest is from and the interest for the months i did not pay its now going to cost an extra £10200 in interest and who knows what they will come up with in 5 years (they say thats it)+ the last 2 years at £150 a month sick of pay pay pay where do i stand, i notice people say about send an SAR how do i do this and will it get me anywhere
  3. hi everybody probably been asked before sorry but i dont know where to start, I took out a loan with Swift quite a few years ago i was paying the monthly payments great up to a few years ago when i was made out of work so while looking for work and not been able to afford repayments but never rung them to explain this (tried to bury my head in the sand and thought it would be ok), so missed a few payments, after a while they sent me a letter for repossession which i manage to work out an arrangement, which was the monthly payments plus a bit extra for the arrears, A few years down the line i'm still paying the monthly pus a bit BUT they still say i owe £xxx , i have been paying this for about 3 over the end of the period its says that this was a repayment mortgage if so why does the interest still keep and if its repayment mortgage then i have paid well over the the original repayment amount. help what can i do they want so send someone from a counselling services to see what they can do to find a solution but nothing has changed since the last time i spoke to them, how can they ask for more when i cannot find more ,sorry if its all higgledy piggledy as i am a bit frustrated thinking that they will try to get the house again thanks
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