I have been using this site for about ten years now, it's always my "GO TO' for a bit of fun. I am, a member of all the main ones in the UK and this one has the best chat, pictures, and profiles. The forum is quieter than some of the other sites, but all in all it's good to use. You can read and reply to all messages even on a free account, and admin have always been really helpful. Lots of hot couples but getting action with them can be challenging so I try to get to know them in chat first as it helps break the ice. Never had any issues with payments, you can stop and start your membership any time you want from the site if you go for an extras package.
Chat, Admin, Genuine site and members.
Lots of couples, but as it's busy getting a threesome as a single guy can take some work. But saying that I get more action on here than most of the other sites.
Matt Hardy does recommend SwingingHeaven to friends/family