I received bank charges as swinton took a direct debit on the wrong date and for the wrong amount. Swinton told me that if i took the proof of the charges in, they would give me the charges back. They have not sent me the charges back therefor i am going to incur more charges as i am seriously overdrawn with the bank due to the direct debit and the bank charges all due to swinton's mistake. read full review »