swift advances charges help!!!!please

swanseaosprey

hi i hope someone can help i had taken out this secure loan in 2000 with swift advances
I received account statement for period 23 january2010 to 21 january 2011

amount of credit for loan £15.000.00
amout credit for ppp: £2.268.00
broker fee: £1.200.00
opening balance as at 22 jan 2010 £25.762.35
closing balance as at 21 jan 2011 £26.623.52

payments due £239.99
payment recieved £240.00
fees charged
interest £325.04 ect


i phoned swift today and asked why is my balance going up he said give him a few minutes he then told me i had charges on my account of £5000.00 thats why the interest is high so i need pay an extra £90.00 month i said why didnt anyone contact me to discuss it before he then said ill send you out statement of all the charges i know i been late in my payments because i was off work sick for while but dont know where the £5000.00 came from but if they contacted me before explaining the charges i could paid extra off the balance instead of it getting so high even if i pay the extra £90.00 its going to take ages to it off with that interest could i ask them to put the charges at the end of the loan im lost in what to do about it

thanks for any advice

telboyo

Surely if you were off sick the PPP would have kicked in.

swanseaosprey

telboyo wrote: »

Surely if you were off sick the PPP would have kicked in.

yes ppp did kick in i have not missed payments they were late but when i went back to work i had hospital appointments and therapy appointments due to an accident this reduced my income so thats reasons for being late thanks for the reply any help is appreciated