I just had to deal with the "luggage on a folder" problem myself and posted about it. I like this rack as such, but I can not imagine using it on a dayly basis w a loaded pannier. First of all I would load the front of a folder first (can be done with the rack). Having this thing hanging from a Brompton or other looong seatpost (the swift one is shorter) must put serious stress on the seatpost/frame! I would only use it for a wery short and rare ocation or look for a different solution.