Hello I obtained a loan from swift in 2008 , I asked to borrow £25k to repay another loan , did not realise about Swift   when I eventually got the papers some years later they included £4k which they said they gave me in a cheque . I informed them I have never had a cheque from them ,   they refuse to tell me where the cheque was cashed according to their records . I claimed my PPI back from them   they said they can continue to charge me for it