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Charges Help

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It was only after being late in our last payment to Swift that I reliased how much these people were charging me for being late. Sadly over the last year I have been late with payments, but as of today, I have paid everyone. Here is a list of charges they have for me-


5 year loan starts on 6th March 2007. Payments all up to date until August 2008.


9th Nov 2007-£65- SG2/65 Letter Sent

12th Dec 2007 £65- SG2/65 Letter Sent

18th Jan 2008- £65- SG2/65 Letter Sent

6th Aug 2008- Returned Direct Debit- £188.52 (thats my monthly payment)

6th Aug 2008- £33- Admin Fee- R/D Auto Added

11th Aug 2008- £23- Arrears Charge R1

18th Aug 2008- £23- Request for info from mortgage

18th Aug 2008- £23- Arrears charge R2

22 Aug 2008- £12- RCD Info from 1st Mortgagee

22 Aug 2008- £24.01- Interest Adjustment

22 Aug 2008- £395- L&D Adjustment

22 Aug 2008- £395(credit)- L&D Adjustment

26 Aug 2008- £23- Arrears Charge R3

2 Sept 2008- £23- Arrears Charge R4

8 Sept 2008- £23- Arrears Charge R5

11 Sept 2008- £23- Arrears Charge C10

11 Sept 2008- £250- Default Charge

10 Oct 2008- £23- Arrears Charge R1

17 Oct 2008- £23- Request for Info from Mrtge

17 Oct- £23- Arrears Charge R2

22 Oct- £12- RCD info from 1st Mortgagee

24 Oct- £23- Arrears Charge R3

31 Oct- £23- Arrears Charge R4

6 Nov 2008- £23- Arrears Charge R5

11 Nov- £23 Arrears Charge C10

11 Nov- £110- Default Charge

10 Feb- £23- Arrears Charge R1

11 Feb- £23- Enclose S/O Mandate

11 Feb- £23 (credit)- Reversal of previous charge

11 May- £23- Arrears Charge R1

18 May-£23- Request for Info from mrtge

18 May- £23- Arrears Charge R2

18 May-£23- Request for Info from mrtge

18 May-£12- Attempted Borrower contact

22 May-£23- Request for Info from mrtge

26 May-£23 Arrears Charge R3

3 June-£12- RCD Info from 1st Mortgagee

10 June-£23-Arrears Charge R1


How can they get away with charging me so much?:mad: Especially the default charges of £250 and £110 and the amount of times they requested mortgage info in May.


Having looked through these charges, do you have any advice? I still have until March 2012 to pay this loan off.

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Guess what ? This looks exactly the same as mine. Have requesed a full break down of the charges and what the SG2 and RD1 means ?

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sad thing is they will charge interest on these too, which is also secured against your loan.

If my post helped you feel better, click my scales.

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