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Last year I sold my house paid a ridiculous settlement to Swift and rid myself of any debt I had. While this has been a great weight off our shoulders and left us with some money behind us to buy again in a couple of years, I can't get rid of that feeling of injustice. We fell into arrears and the charges being applied were exhorbitant, to say the least. As a secured loan ( initial mortgage with NR ) what are the chances of realistically getting anything back from this bunch of crooks. I seriously don't know whether to just draw a line under it and move on with the rest of my life, or try and nail this mob, and to stop them doing it to others.