Chris Laverty, Trevor OSullivan and Helen Dale of Grant Thornton UK LLP were appointed as Joint Administrators of MMP Financial Limited on 9 December 2019, and were subsequently appointed as Joint Liquidators on 15 June 2020.

The Joint Liquidators ceased collections activity on 6 November 2020 and are no longer accepting loan applications or payments relating to existing loans. A first and final distribution to unsecured creditors including redress customers was made on 2 December 2020 following the closure of collection operations.

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Website - Terms and Conditions of Use

Website - Terms and Conditions of Use

Last Updated: 26 Feb 2020

Please read these Terms and Conditions of use carefully as they set out the basis on which you may make use of the website of MMP Financial Limited, trading as Swift Sterling (the 'Website'). This contains important information about your rights and obligations when using this Website.

Swift Sterling is a brand website operated by MMP Financial Limited ('MMP'). MMP is registered in England under company number 07870321 and with our registered office: c/o Grant Thornton UK LLP, 4 Hardman Square, Spinningfields, Manchester, M3 3EB.

We are a consumer credit provider in the business of providing and operating loans to UK consumers.

By visiting the Website you are accepting and consenting to the terms described here and are agreeing to comply with them.

You can read more about our approach to privacy in our Privacy Policy and about our use of cookies in our Cookie Policy

1. Is it safe to access your website?
Yes. You can access parts of our Website without having to give us your details. However, you are responsible for accessing our Website and for anyone else who uses your internet connection. We regularly test the security of our systems so any data you give us is kept secure. You are responsible for making all arrangements necessary for you to have access to our Website and you are also responsible for ensuring that all persons who access our Website through your internet connection are aware of these Website Terms and Conditions and any other applicable terms and conditions, and that they comply with them.
2. Who is your Website aimed at?
Our Website is directed to people living in the United Kingdom. We do not represent that content available on or through our Website is appropriate or available in other locations. We may limit the availability of our Website or any service or product described on our Website to any person or geographic area at any time. If you choose to access our Website from outside the United Kingdom, you do so at your own risk.
3.Does your website have a copyright?
Yes. All content of the pages on our Website, trademarks, computer programmes, data, styles and designs etc are owned by us. You are strictly not allowed to reproduce or modify this content. We also own all content available via our social media accounts and any newsletters or updates we may produce (including pictures, photographs, logos, brand names, copy and other materials) represent copyright, design rights or registered trademarks owned by, or licensed to us, our technology providers, or their respective owners. All such rights are reserved.
4.Can I download, print, copy any parts of the website?
Yes. You can download or copy the content and other downloadable items, but it may only be used for personal use. You can print one copy of the content again only for personal use. You are strictly not allowed to reproduce, change, copy or distribute any content that will be used for non-personal reasons or passed to a third party for their commercial uses.
5. What are my responsibilities?
You must make sure that any of the products, services or information advertised meets your individual needs. Also, using the internet is not always safe, so you have to be responsible for any damage or loss to your computer, equipment, programmes or data due to any viruses etc that may harm your computer, from using our Website or downloading anything or any websites linked to ours.
6. How accurate is your website?
We try to make sure that the information on our Website is always accurate. However, this is not always possible.
We will do our best to solve anything that is not accurate as soon as possible but this is not always guaranteed. We may update our Website and change the content at any time. We do not guarantee that our Website, or any content on it, will be free from errors or omissions.
7.What if the website is not working properly?
We always try to ensure that our Website works at all times. However, we cannot be liable if it is not working properly. Obviously we want our Website to be operational all the time. However, we do not guarantee that our Website, or any content on it, will always be available or be uninterrupted. We will not be liable to you if, for any reason, our Website is unavailable at any time or for any period.
8.Do you change things on the website?
We can make changes without letting you know. If necessary we can change or stop anything on our Website, which could include features, information or the entire website.
9. What am I not allowed to do with your website?
Upload unlawful, threatening, obscene or other things that are questionable.
Upload anything that could lead to criminal or civil offences including local, national and international practices.
Do anything which might break the law or regulation including through using public telecommunications network, disrupting or damaging our Website, the networks to do with it or ones linked to it.
Use data gathering tools e.g. Robots to take any of our Website.
Send advertising or promotions that are not allowed.
Create your own website using our features.
Use any part of the content on our Website for commercial purposes.
Attack and add viruses or spyware etc to our website with the intention of causing harm to it.
Try to get in to our server or any database linked to it.
Damage or disrupt any part of the website or equipment.
10. What will happen if I do any of the above actions?
You will be reported to the appropriate law enforcement authority or regulator and your identity will be given to them.
11.Am I allowed to link my website to your website?
No – unless we have given our express consent to do so.
12. What links are available on your website?
Sometimes we offer links to other websites but if you decide to access them that will be entirely at your own risk. You should read that website’s Terms and Conditions and Privacy Policy before going any further.
13. Do you use Cookies?

Yes, we use them to analyse visits to our Website and also behaviour. When you visit our Website the pages and Cookies are downloaded to your computer so that we are able to help us to show you better products and also again for analysis to profile visitors.

Please be aware that we do not store passwords or any other information about you in a cookie that could identify you, your location, your preferences or your financial activity.

14.Do you use web analytics?
Yes, this Website uses SessionCam web analytics service. SessionCam may record mouse clicks, mouse movements, scrolling activity as well as text you type in our Website. SessionCam does not collect personally identifiable information that you enter in our Website. SessionCam does not track your browsing habits across websites which do not use SessionCam services. We are using the information collected by SessionCam to improve your online experience. If you do not want SessionCam to record your visit to our Websites you may disable cookies on your computer. For information on how to do this you can use the “help” function within your browser or visit Please note that by disabling cookies this could affect how our website works for you. You can read more about our use of cookies in our Cookie Policy.

Legal Stuff:
15. What happens if I breach any of your Website Terms and Conditions?
You agree that you will compensate, defend and will hold us, and all employees, directors, suppliers and officers, harmless immediately on demand, from and against all claims. This includes losses which could be loss of profit, revenue, goodwill or reputation. These losses could also be costs and expenses, including administrative and legal costs if you breach any of these Terms and Conditions. If this happens, any liabilities that arise due to your use of our website or anyone else using our website using your personal information with your permission.
This section does not affect your consumer statutory rights.
16. General Information
We can change our domain name or anything about our products, services or availability at any time.
If any of these Terms and Conditions are said to be invalid, by a competent authority, the rest of the Terms and Conditions will still be valid.
All our contracts are concluded and available only in English.

17. Our liabilities
Nothing in these Terms and Conditions excludes or limits our liability for death or personal injury arising from our negligence, or our fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by English law.
To the extent permitted by law, we exclude all conditions, warranties, representations or other terms which may apply to our Website or any content on it, whether express or implied.
We will not be liable to any user for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable, arising under or in connection with:
Use of, or inability to use, our Website; or
Use of or reliance on any content displayed on our Website.
If you are a business user, please note that in particular, we will not be liable for:
Loss of profits, sales, business, or revenue;
Business interruption;
Loss of anticipated savings;
Loss of business opportunity, goodwill or reputation; or
Any indirect or consequential loss or damage.
If you are a consumer user, please note that we only provide our Website for domestic and private use. You agree not to use our Website for any commercial or business purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.
We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer equipment, computer programmes, data or other proprietary material due to your use of our Website or to your downloading of any content on it, or on any website linked to it.
We assume no responsibility for the content of websites linked on our site. Such links should not be interpreted as endorsement by us of those linked websites. We will not be liable for any loss or damage that may arise from your use of them.
18. The Law
Our Website is controlled and operated in the United Kingdom.
These Terms and Conditions are governed by the laws of England. You are agreeing to the exclusive jurisdiction of the English courts.
19. Who can I write/email to get more information about these Terms and Conditions?
c/o Grant Thornton UK LLP,
4 Hardman Square,Spinningfields,
Manchester,M3 3EB