Can I do anything about Swift Advances

carol_creek

I need some advice please;
My husband and I got an urgent loan out over two years ago from swift advances, to cover an existing loan and pay off some debts. I am trying to remember (find out who the original loan was with and now in hindsight of this website, why we needed to borrow so much from swift, as we have never initially borrowed that much money).
Firstly, can anyone tell me how/where I can investigate as to who we would have had the loan out with??? I am sure that it would have been a secured loan.
Because of redundancies, and mental health problems etc; we got into problems in 2007 with swift, the case did go to court and we had an arrangement to pay back.
Anyway, with new jobs, we remortgaged our house, paid off swift in full, in 2007, since then been debt free.
But have been checking out the settlement figures, is there any chance of reclaiming any of the fees??
Original loan £52,063.00
Interest charged £8981.49
Less payments received £4,572.72
Sub total £56,471.77

Title insurance premium £135.00
Arrears letters & call charges £289.00
Redemption request charges £65.00
Other letter charges £35.00
Default charge £250.00
Management charges in default £735.00
Fee charged for instructing solicitors £75.00
Fee charged for issuing court proceedings £100.00
Litigation fees £1815.42
Court issue fee £82.25
Solicitor agents fees £82.25
Fee charged for issuing eviction appointment £100.00
Fee charged for issuing eviction appointment £100.00
Warrant fees £95.00
Fee charged for cancelling eviction appointment £100.00
Cancel repossession fees £29.38
Sub total £60,627.82
Sealing/discharge fee £250.00
Early settlement interest charged £3802.92

Redemption figure £64,680.74
Sorry for the length of this message, any response would be gratefully accepted.

Graeme7777

Hi,

I don't know enough to answer your question but I can give your post a nudge so perhaps others more able to help will see it.

If it's a secured loan will the lender with which you have your mortgage perhaps be able to tell you who had a 2nd charge on your property?

Graeme7777

And if you get no answers to this query, perhaps trying re-posting in the Debt-Free Wannabee board?