Thanks for the update.

hi all, just subbing to this thread ATM. but I am a Swift customer too. One of the problems I feel with any action against them is, how they will react to us. I do not feel their agreement or charges are fair, but reading about them puts me off taking any action against them for fear of subtle financial reprisals ( that we currently can't afford). EDIT* Forgot to mention/ask - is this thread mainly for loans over 25K? , as mine is 20K and supposedly regulated by CCA 1974