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tamer13

************** read this about swift money first **********

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Please read this first about Swift Money before you apply for a loan with them. I am going to include a copy of my emails and their replies to them. They barred me from applying to any more loans for making a query or posting a comment about their policies. You will see from their replies that they act like a dictator in the way they run their business and give no thought to any of their customers.

 

They charge £25 for a same day advance even though the banks offer it for free nowadays under the faster payment system which every other payday loan company use. They are a complete rip off so please don't use them unless you have no other option. But still i would stay away from them.

 

You can also see from the emails below that i was accepted for the loan if it's not for me being off work sick today, and then they turn me down because i raised a query. Please read below my emails in blue and theirs in red.

 

 

We can lend our money to however we wish, and should we choose not to deal with someone due to their attitude, we are well within our rights to do so, as the OFT will tell you.

 

Thanks

 

Kind regards!

 

From:

Sent: 09 August 2012 15:15

To: Info Swift

Subject: Re: Loan status

 

That's fine i will see what the Office of Fair Trading, and Financial Ombudsman, and every consumer advice site have to say about the way you treat customers that make a complaint.

 

Thanks,

 

 

From: Info Swift

To:

Sent: Thursday, 9 August 2012, 15:20

Subject: RE: Loan status

 

Tamer

 

We request that you take your business elsewhere, we will no longer be processing your application.

 

Many thanks

 

Kind regards

 

Swift Money

From:

Sent: 09 August 2012 14:42

To: Info Swift

Subject: Re: Loan status

 

I'm sorry i wasn't aware that i am not allowed to make a complaint or raise a point or query if you wished to do so.

 

Tamer

 

From: Info Swift

To:

Sent: Thursday, 9 August 2012, 14:47

Subject: RE: Loan status

 

 

 

This is the second time you have made a complaint about our service.

 

Please be aware that our underwriting rules are in place for good reason, and will not be reviewed.

 

If you wish to apply when you are back in work please feel free to do so, if you are displeased with the service then please be reminded it is optional and there are other lenders that may operate differently should you choose to use them.

 

Regards

From:

Sent: 09 August 2012 14:22

To: Info Swift

Subject: Re: Loan status

 

Thanks for the reply. But i find the rules to be strange and contradicting. It's OK to be on holiday but yet not OK to be off sick even though i'm still fully employed and in current employment with my employer. I mean i am back on Monday and can apply for the loan and be accepted for it and then go off sick for a recurring illness or a new illness, how will that affect my loan then?

 

I think your rules need to be reviewed. Holidays, and sicknesses need to treated the same way and not separately from one another.

 

Thanks,

 

From: Info Swift

To:

Sent: Thursday, 9 August 2012, 13:46

Subject: RE: Loan status

 

Hi

 

I still havent been able to get through - I havent tried for an hour so I will try again in a moment - fingers crossed

 

Many thanks

 

From:

Sent: 09 August 2012 13:38

To:

Subject: Loan status

 

I would like to get an update on my loan application. I have tried calling but the line is constantly engaged.

 

Sent from Yahoo! Mail on Android

Edited by Ell-enn
Removed name and libellous comment

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I would remove your name from the posts. We don't advise on taking a payday loan out unless it's absolutely necessary and no offence but they can accept / decline whoever they please, they probably think that if you're off sick or on long term you might only get half pay - i would say that it's a responsible decision and it's about time that these companies stop throwing money at a wall and hoping it sticks - you cant have it both ways, either they responsibly lend (some complain) or they irresponsibly lend (a major issue at the moment) and most complain.

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Hi, I have removed your name from the emails in your post so you can't be identified. I have also removed a comment which could be seen as libellous.


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My advice is based on my opinion and experience only. It is not to be taken as legal advice - if you are unsure you should seek professional help.

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I agree with Jamie Kingston here, and whilst I can understand why you are annoyed, it seems like you are wasting your time and energy goading them into an arguement which all seems a bit unnecessary.

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