Thanks very much, that's most helpful.

Hi, this is an odd one. I live in London and am helping my brother-in-law who lives on the family farm in Southern Ireland to sort out proper small holding farm insurance. History:The late parents left the farm to the 4 children in equal parts, but put the property in the name of the youngest sister because she lived in Ireland at the time and the one remaining male living on the farm (the youngest brother) in Ireland was unable to handle administrative issues. He's the one I'm helping. Living on the farm now is the eldest brother who moved back from the UK some years ago, but as the youngest brother effectively ran the small farm once the parents had passed, everything that goes on there on a daily basis is in his name - including the insurance. Trouble was that the insurance he had was a pure home insurance policy which covered diddly-squat by way of risks on a farm. The policy is now up for renewal and I took a look at it for him. The 2 brothers split the cost between them, but the policy is in the younger brothers name. My question is: As the title deeds show the younger sister as the owner of the property at the Land Registry, would the younger brother have any likely problems if a claim had to be made on this policy? He's not a tenant as such and even if he was, would he be able to take out a policy to cover the buildings? These policies are not cheap and there's no point in taking it out in his name if were he to make a claim, this issue restricted the progress of such a claim or ruled it out altogether. Just as a rider to this, there are sentimental and very sensitive feelings between some of these four that the property is soley in the sisters name which makes it difficult to ask the sister to take out the insurance herself - if it were that simple I wouldn't be asking you learned people! The devil's in the detail and that's why I'm doing this instead of them - they've been underinsured for years and it needs to be put right! Thanks in advance for any input.

Hi, I have just got off the phone from 2 very frustrating calls with Uber customer services. I have to go to London today from SE3 and take my wife to hospital for an eye injection as she has wet eye macular degeneration syndrome which requires (wait for it and not for the squeemish) injections into her eyes - both of them. Going by public transport is not a favourable option so we considered taking a cab. I called uber to find out if the quote on their app which was for £19.25 would have any further charges added to it given there are congestion charges being reapplied by County Hall going into London from today. I had called our local cab service and they wanted £41 which covers and includes the congestion charge. Before the Lockdown congestion charges were suspended and for the same journey it was £23 each way, but today congestion charges are being charged again so it was a reasonable request to ask Uber what the actual cost would finally be (+/- a few £ for variations in the time taken), but the Customer services people kept relating back to a journey we took a month ago to the same place when Congestion charges were lifted. So.... Does any person on here have any idea of exactly what Uber will add to the £19.25 charge they are quoting for their ride to London on their app if I travelled between 14.00hrs and 15.00 hrs today? Cheers

Thanks Duchess, One slight correction for which I must apologise: The Document you need to ask Swift for is called the 'Actuarial Accrual Account Summary sheet', not the Actuarial Account Summary sheet. Sorry about that. So, you have an Unregulated Loan Agreement which means at the time of execution was not regulated by the Consumer Credit Act 1976 because it was over £25k. 1) Were any of the previous loans (the car loan for example) secured on your property as a second charge loan? if so, 2) was it a condition of Swift Advances that before you could take the 25k loan, you had to pay the other loans off so they would have a clear second charge on your property behind your main Mortgage Lender who held the 1st Charge? 3) You say you never received any money (cash) from this loan after they had paid the mortgage arrears and car loan etc., but was there even 1p ever paid to you from this overall loan? If so, how much? 4) Can you recall what this £4000 they say they sent you was for or where it fits into the structure of the loan? You really do need to insist that they provide proof of this payment, cheque number, date issued, Bank drawn on, date it cleared through their account to show it was paid and into which account it was paid into when it cleared. Keep pressing for it. Keep insisting on it. 5) Have Swift commenced litigation against you for possession at any time and what is the status of this account with them as we speak? The reason I am asking all this is because the structure of the loan is important as are the charges applied and the interest on same. If you end up in court, the courts will invariably favour Swift and they will employ barristers, at your expense (added to your account), which compounds your problems in what you owe them. What you then have to do is mitigate those costs or they'll skin you rotten. It's never easy against Swift. They are a well-oiled machine. I cannot offer any miracle cure here, but somehow you may be able to mitigate costs and what you end up having to pay them. I have no legal training so do not sit back waiting for Swift to act, get proper legal advice if Swift are gunning for you. I am trying to strip this down to all it's component parts so we know exactly what we are dealing with here, if that's okay with you? No false hope - okay?

What does it say across the top of the Agreement? Is this a Loan 'REGULATED BY THE CONSUMER CREDIT ACT 1976' or an 'UNREGULATED' Agreement?

If you are putting anything up on here make sure the whole personal detail is redacted so nobody can identify you. That includes the usual of names, addresses and personal detail, but also bar-codes and account numbers, date of the agreement etc as Swift troll these sites. The least they know the better.

What you require from Swift is a full statement of account from day 1. The way to get that with 100% of the transactional detail is to ask them for an 'Acutarial Account Summary Sheet', do not just ask for 'a Statement' use the aforesaid name specifically. You also need it as an A5 sized document not A4 because an A4 (normal photocopy size) will not be easy to read as the type -face is too small. That will give you the evidence of any monies in and out of the account, any costs applied any interest applied, the dates of same and solicitor costs (if any). Then you will see exactly what has been processed from day 1 through your account. Swift's statements as such are useless for any decent analysis, but these Actuarial Account Summary Sheets will give you everything. Now, going back to 2008. Can you tell me EXACTLY how your Agreement was set up? Was it a Regulated Agreement under the terms of the Consumer Credit Act or an Unregulated Loan (shown at the top of the Agreement document)? Was it exactly £25,000 or over or under? Was the Loan for £25,000 Plus the PPI and how much PPI was there? What other charges were added to the Agreement document and what was the total amount of the Loan on the Agreement? Did Swift Pay you the full amount or did they pay the loan you had previously, directly themselves to that company and pay you the balance? Was this Loan taken via a Broker? Sorry to ask so many questions, but with Swift, the devil is in the detail. There's no quick fix with Swift and they are happy to wait and watch your debt increase. They have your home and they'll take it without a blink.