Hi all I'm new to this site and it's my first post so please be patient with me. My situation is that I took a 2nd charge mortgage with Swift in 2006. Last year I began challenging them and requested full disclosure on my mortgage contract. I then stopped making payments as they failed to disclose what I had requested. This culminated in my going to County Court and making an application for full disclosure. I did not get my processes quite right as a LIP and the judge declined my request due to my not siting a clear cause of action. Anyway, I began making payments again as I feared repossession. However, I sent them a SAR which they have just responded to. There are large parts of my account history that have been redacted! Can they do this? Also there is no mention of any securitization of my mortgage loan to a third party. I'm not sure this is the case. They are now chasing me for arrears of £8,547.80 and charging £64 per month while the account remains in arrears! They further state that all charges are added to a seperate balance running alongside my loan which will attract additional interest daily and increase my loan balance and loan term. Having read some of the threads here I realise some of you have been dealing with this shower and having success around charges being repaid etc. I would really appreciate any advice in this respect and/or help with my next move as I forsee things getting stick in the not so distant future. Kind Regards roryg