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hi everybody probably been asked before sorry but i dont know where to start,


I took out a loan with Swift quite a few years ago i was paying the monthly payments great up to a few years ago when i was made out of work so while looking for work and not been able to afford repayments but never rung them to explain this (tried to bury my head in the sand and thought it would be ok), so missed a few payments, after a while they sent me a letter for repossession which i manage to work out an arrangement, which was the monthly payments plus a bit extra for the arrears,


A few years down the line i'm still paying the monthly pus a bit  BUT they still say i owe £xxx , i have been paying this for about 3 over the end of the period its says that this was a repayment mortgage if so why does the interest still keep and if its repayment mortgage then i have paid well over the the original repayment amount.


help what can i do they want so send someone from a counselling services to see what they can do to find a solution but nothing has changed since the last time i spoke to them, how can they ask for more when i cannot find more ,sorry if its all higgledy piggledy as i am a bit frustrated thinking that they will try to get the house again



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Hi and Welcome to CAG


I have moved your topic to the appropriate forum (Swift Advances) please continue to post here.



We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your Topic please PM me a link to your thread

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you refuse the councillor and don't let them charge you for it.


you will find you have £100's if not £1000+ in fixed sum unlawful penalty fees

like late/arrears/letter/returned DD/ it's raining today - your fault!!


get an sar off to them

and get reclaiming them all.




please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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