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  1. Hi All, Could really do with some help , I am trying to get unjustified charges back from swift took out an unregulated secured loan back in Oct 2007 for 36k repaid over 100k and now paid them 47k in settlement as now sold my house....................please can anyone help they have offered me £600 !!!!!!!!
  2. Hi All, I have recently (in the last two days) been subject to a second hearing for possession of my home by Swift Advances. We've had two hearings. First hearing the CC judge ordered that we investigate the excessive interest on our account and get clear explanation from Swift as to why they have charged an account management fee every month since the year 2007 to date--totalling £5267.00. We investigated to the best of our affordability to no avail. However, Swift advances made a statement over the phone to me (i quote) "We at Swift will never charge you a fee as long
  3. Took out a secured £12k loan in October 2007 over a 10 year period. Please note I didn't want to take out the loan but had no choice if I wanted a quiet life as at the time I was in a controlled marriage ..mostly mental with some physical abuse resulting depression, anxiety and panic attacks . The 10 year loan gives 120 months worth of payments out of these 120 months I made 107 payments on time and 13 missed payments these were down to my so called husband taking the money out of my wages in the bank to pay loan and saying would put back to pay but never did ... with my depress
  4. Just a brief outline regarding my experience dealing with Swift Advances regarding a excessive charges complaint of which involved Fos. 2005 I took out a regulated loan for £10000 to be paid over 5 years.. Regular monthly payments were made inline with the agreed amount, sometimes a day or so late. This triggers charges on the account of which also incur the same interest rate as the loan. as you can see the charges are relentless. Late 2008 i was in severe financial difficulty as i was elf employed my business was struggling. Realising the depth of debt especially with Swift fo
  5. Hi all I have applied for all my information from Swift Advances, but I think the broker does not trade anymore, so will have to go to FCSC for PPI reclaim I think?. I am not sure how to go about the spreadsheet that is talked about. ...is there a step by step guide, and a copy of the spread sheet? I want to try to reclaim extortionate charges from Swift.
  6. In 2006 I took out a secured loan on my property with swift advances, the loan was £44,000. The loan term was 10 years, with monthly repayments of approx £450. 3 years ago I missed a few payments and fell into arrears with them of £4000 and in 2014 they took me to court in regards to the arrears. I managed to clear the arrears by making an agreement of paying £200 more on top of the original monthly payments. The arrears were cleared but now the term of the loan has ended (in 2016) and I am left with £44,000 still left to pay (somehow??). Swift are now planning to reposses
  7. In 2007 me and my then husband took out an additional secured loan on our property with swift in joint names for the amount of £10k the money was to do up the house. In February 2007 the loan was granted to be paid back by Feb 2017 in the same year me and my husband split up which resulted in a divorce soon after. I was left with a loan, mortgage and 3 very young children to bring up on my own. I informed the company with the changes in my circumstances but was ignored instead advised that I was liable for the full amount as I was the resident in the property in questio
  8. Hi, i'm new to this forum and need help with what steps to take when dealing with Swift advances! I took out a loan in 2004 for £47,500 in which i had to prove my income by self certification as i was self employed. i started to struggle with the debt so Swift allowed me to take out further advances based on my original proof of income! between april 2004 to november 2006 they allowed me to take out 7 further advances without question, bringing the grand total of the loan to £97,743.00. I then started to fall behind with payments so swift asked me to increase monthly
  9. Reference Swift Advances Being new to this site, yesterday I posted the following message on the back of continued subject of Swift Advances. I have since been advised to create a new thread on the subject. I have a Secured Loan with Swift Advances, the execution date of which was 31.07.06 The amount of credit for the Loan was £100k On the Statement there is an amount of Credit for PPP in the Sum of £10,696.00 A broker fee of £6000.00 Can anyone advise what the PPP is for - presumably not the same as PPI - I have since been advised that this stands f
  10. Hi, I have kept an eye on this forum for a while and, like so many others that have got mixed up with this bunch of lowlifes, I have been trying to stop them getting possession of our home. I haven't posted about this before because this situation is so embarrassing and, also, because I didn't know if Swift spy on these forums. Long story short, Swift have an Eviction Warrant but we managed to get it postponed for a couple of weeks before which, hopefully, we will be able to pay the arrears off. I've read up a lot on here over the past few weeks and followed other peoples threa
  11. Hello I am new to this, I have been reading up on your blogs about swift advances they are a force to be reckoned with, if I could get them of my back it would be such a relief. I took out a consolidation loan with them in 2008 which is secured to my mortgage, at that time I was very unsure whether to take the loan or not but with my foolish self listened to the sales person on the other end who suggested I take the loan and maybe in 3 years time I could apply for a further loan at a reduced rate. I accepted., not knowing that I was never intended to pay off tha
  12. Hi folks First time posting, so apologies if this seems a little amateurish. We had a loan back in 2004 that was spread over 20yrs, but it included PPI that was only going to be "live" in effect for the first 5yrs of the loan and would only pay a maximum of 12mths if I was out of work. We've settled it early but wonder if we can claim anything back ?? As a result of it being included as a front-loaded charge and being spread over the 20yrs, it cost almost £6k more than it would have if we had taken the loan over 20yrs and a separate PPI loan over the 5yrs. Anyone have any i
  13. Hi all I am looking for some basic information at this stage about how to handle swift finances. I don't have the exact figures in front of me but here is the background. About 8 years ago I was very stupid and ran up a lot of unsecured debts. In my wisdom I decided to get a secure loan to clear these and this is what lead me to a deal with Swift Advances in the first place. I struggled for years to make the payments till 2 years ago I was made redundant. I was off work for just under a year and fell very behind both with Swift and my main mortgage company. This all came to a h
  14. Hi all. I have just recently registered and been looking through the forums regarding the biggest **** in this country - Swift Advances. I have seen all the help given to people around this forum especially ims21 which I honestly applaud and was wondering if you can help me with this too? I'm doing this for my father who quite frankly is just about managing to keep up with his payments and has been in arrears for quite some time on and off. He has his 1st Mortgage with another mortgage provider Birmingham Midshires - £50,000 in 2005 and this is his second secured loan - £34,9
  15. Hi I took out a loan withSwift Advances which is secured on my property as a 2nd Mortage. I am up to date with my monthly payments and have been for the last 9 months. When my husband & I came out of work previously we got into difficulties and racked up approx £3200 in arrear charges, phone calls, letters etc etc from Swift. I wrote to them saying itwas unfair to levy say £35 for a letter & a £60 fee for account management whilst in arrears. I asked for a full list of all charges to be sent (which I never got!) What I did g et was a letter saying that they were prepared to k
  16. Urgent help please, They are at it again, sent then a large payment through chaps payments and 1 minuet before deadline they phone to say they cant accept the chaps because it from a friends account and they need to know all their details, can this be done by them? i paid £23.50 for the service and the bank manager checks everything over then sends it so i would say he has done all the checks and knows both parties involved, they cant accept because of fraud. please help
  17. im just wondering has anyone applied for one of these yet? i know they offer food voucher for living expenses but what about furniture cookers fridges ect ect? especially if there replacing community care grants
  18. Hi I have a Swift loan dated 2007 that is due to be paid out at the end of this month (Nov 2012). The loan has been in small arrears on and off throughout the lending term, though has been always brought up to date, and currently I have less than one payment left on the original agreed amount. Swift however say I owe over £2300 all of which is charges and fees for letters. I have ,admittedly briefly, perused this forum and rang Swift to request a transaction history. I will also make a formal complaint and send copies to both the OFT and FSA. Is there anything else I should be doing? Should I
  19. Hi I would like to tell you my story regarding this company. My wife and I took out a secured loan with this company in Feb 2007 for £3000, it was to buy our son a car and it was all arranged through a broker. We believed we were getting a fixed loan over 5 years at £79 a month which was within our budget. After a couple of years the interest rates started to go up nationally, swift contacted us twice in a period of 3 months saying because of the rate rises our payments would now be £87 a month. Although not happy as we thought it was fixed we paid the increase as it was not a massive
  20. Hi all, my name is Donal I live in County Down Northern Ireland. I am 30 years old and still live with my parents, I should be in my own place but that just doesnt happen in this day and age. I have four younger brothers all in their 20s and we are all on the same boat, my parents are happy with us at home and have never forced or asked us to leave. My dad is a carpenter and has worked his ass off all his life and my mum is a nurse who also has worked quite hard to keep our large family ticking over. My parents have got them selves into bother with swift and owe them over 40 grand bec
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