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Found 15 results

  1. Hi all, New member here; can't believe it's taken me this long to deal with this! back in 2003 my wife and I took out a secured loan through Freedom Finance; the loan (and ASU cover) were provided by Endeavour Personal Finance and all payments were directly made to them. We settled the loan in full in January 2008 - despite having paid five years' worth of repayments, thanks to the PPI being added and crippling interest applied, the settlement amount was still more than the original loan value! It was only fairly recently that we discovered that ASU cover and P
  2. any ideas as FOS cant do anything....... can they? they sent me a summary of my account and thats the only contact ive had off them.
  3. hi all, i took a loan out with swift sterling £1580 over 5 payments 1st payment of £230 paid, recently, but im not going to be able to make the next payments 4x £630. so my question is i'm going to offer £150 a month im assuming to the value of the borrowed money . now should i make this offer now or after ive defaulted, im moving bank accounts so they cant get at my wages at the end of the month. ...will they then try and take the money out of my bank now if i let them know before hand of my impending doom? ive used advice before from this f
  4. Hi, as someone who's used this forum again and again,and gained such useful advice and confidence from it's content, may I just offer some quick advice to anyone struggling to repay Swift Sterling, who according to some have a reputation for being less than sympathetic. I have a loan I am struggling to repay and recently defaulted on the full repayment. I had no reply to a week of emails to their customer services proposing a repayment plan, just regular sms and emails informing me of the arrears and possible charges of £59.00. I then emailed them via the complaints link on their website, whi
  5. HI, I am having an odd problem with swift sterling. i managed to shake them off and owe them £0. I Never defaulted once always paid on time. so i guess they see me as alow risk good customer. i have now decided to ban my self to keep clear of them. i have requested twice for them to close down my acount and delete all details they have on me(once they confirm my account is closed). they have not replied and my account remains open. all they have doen is increased my credit limit with them. what elese can i do thanks
  6. if you happen to have a claim, they will use Davies Group Loss adjusters to rubbish your claim, appoint your own FREE LOSS ASSESSORS to assist you, WHEN we had water damage recently, they trawled through 5 years of Insurers cover, if we had made a claim or not been covered they would have rejected the claim - THEY DONT TELL YOU THIS WHEN YOU TAKE THE POLICY - WHAT A RIP OFF TO REJECT A CLAIM - ours is Valid as we had full cover and never claimed in 5 years - DAVIES GROUP BY BAD INSURERS AS LOSS ADJUSTERS TO RUBBISH VALID CLAIMS. CHE
  7. Can anybody help i am due to repay swift sterling on fri i have rang and sent emails but have been told to wait untill fri untilli default then get charged 59 late fee so since then i have just emailed to be told i need to ring up which i dont want to to do i do want to repay the debt which is 697 j can pay 40 a month but i need there details can anyone help just worried ?
  8. Hi can anyone help me find the historical 3 mnth Sterling LIBOR rates going back to 2007. I have a Kensington Morgage based on these figures. Many thanks Stuart
  9. Friend found a credit agreement from these people has a Beneficial logo in the corner . She remembers paying it off a bout 3 years ago when her husband died as advised by a financial advisor but it now transpires on looking at this that there was a sickness and redundanciy cover. Who does she need to claim against tried HSBC and sent copy of the agreement and they keep asking for sort code and account number. We done an SAR on her bank to see when the last payment was made. She went into the bank and they were just useless so and SAR was the best option.
  10. Seem to have disappeared. I am due to repay them £840 pounds at the end of the month. I was then planning to take another £500 from them to tide me over. I am working overtime this month to get me partly out of the mire. Without that £500 i am going to be in a bad way financially. Their website is no more. Im sure they will have morphed into some other loan shark but i am not willing to risk them not lending to me again. I bank with RBS and have written out my CPA cancellation letter which i will hand in tomorrow. Is cancelling a CPA a simple process for the ban
  11. Hi, I have two payday loans with swift sterling, 400 pound with the charge for the credit at £119 per month & 100 pound with the charge for the credit at £30 per month. Total they are request this month is the full repayment of £649.00 My bank card was stolen at the weekend, and I've cancelled it and requested a new one, so I'm currently a few days late on my repayment. To be honest I've realise I'm never going to get to a point where I'm going to be able to pay this back, without having to reloan each month. I've done that at least 4 times now with Swift. T
  12. Hi All I have a payday loan with swift sterling and I was due to pay last month, I sent an email explaining I was not able to afford this as my tax credits have been stopped. I only receive 880 a month and they are expecting 920 on 31st December. I have 2 children and a mortgage to pay, I am in no position to pay this. I have emailed them requesting to make a payment of 50 a month and explained my circumstances, I was informed they do not take benefits in consideration. When I applied I included my benefits. Can someone please advise? Can I also be pointed in the right direction to send th
  13. Hi Guys, Hi Rene and PDL Victim Just been popping in now and again, but i have a friend who needs some advice, so reaching out to all of you. She has a loan with swift sterling, which is due to be repaid on the 10th of this month, but like many of us, has been doing the loan and repayment pattern for way to long, and she just doesn't have the means to repay the loan this month. Its not for a huge amount, but my advice to her was to cancel her agreement within the fourteen days, and tell them she was suffering financial hardship, and that she'd like to set up a weekly payment plan to clear
  14. Just a quick note to say that when my last wages payment went into the bank, the PDL I had with Swift Sterling had already left the account... I thought all PDLs took collections after 5am but I guess I was wrong. Please let that be a warning to anyone who does not move bank accounts and / or cancel CPAs that you do run the risk of getting cleaned out even if you plan to stay up and intercept your wages
  15. I'm hoping to set up a repayment plan with Swift Sterling when I default on their payment this Friday. I've read terrible things on this forum about them..has anyone had any luck setting up a repayment plan with them? What is the best way to approach it? Thanks!
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