I was a customer of Swift Sterling for several year-had about 12 loans all paid back on time. No it's been take over by longer-loans.com it is TERRIBLE. Be warned, they do a full credit check and leave a massive footprint on your file for 6 years. Many people who use pay day loan companies do not have a great credit file so the new owners have got a bit of a shock coming. SECONDLY, they did not tell me the result, I had to chase it. THIRDLY, they barred me from opening my online account to check the results. ABSOLUTE incompetent idiots - NOT HAPPY. All those years of careful repayments-for nothing!!