Well,well Mr Takeiteasy, I,m only joining in cause you infuriate me so much. Its not Sparkie on here that put me up to getting a fully quilified consumer credit solicitor involved. It was ME. So lay of the old guys and pick on us younger ones instead. Read my posts on swift and my experiances with them. I,ve not been on here for a while because i,m waiting on a new doner liver aswell as worrying about having my home repossesed. Don,t suppose you carry a doner card do you? Then again would i won,t anything of a heartless t..t like you? My wife is a school teacher and brings in money every month, pays tax and looks after me and 4 kids. Is compation taking our house just because i became ill and can no longer meet our commitments? My solicitor has wrote numerous letters to the FSA and Mr Blockersage and now informs us he has never seen such hi, hidden and devious credit agreements he has ever seen. I wont to go to the high court to face these people! bring them on because even the path the courts will see who,s right and wrong! So go and start your own thread instead of hijacking ours. P.S did you write your message on a swift computer? Was Mr Mark watching over you? I wonder! P.s because life throws all sorts of things at you tell Marky Mark my brother did not enjoy his stay in prison and he was 6"4" and built like a wall. Said christmas tea wasn,t that good either!