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Showing results for tags 'scm'.
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hi. im new to this and need some advice, i dont know whether this is right place to post this. i took aloan out from lloyds 2012 to pay for the machinery i had leased. every thing was ok untill i lost the buiseness and then lost the job early this year. i couldnt afford the payment and the lloyds bank was pretty helpful as they agreed the lower payment until my circumstances would change. then i started to get the phone calls and letters from apex. i phoned the lloyds regarding this and they said i didnt need to worry but the phone calls never stopped. i got in touch with step dept charity and with their help and advice i wrote the letter to apex asking for the token payment for time being. they never reply to this and i made no payment at all. yesterday i got the letter from scm solicitors asking for the full amount within 14 days. im worried, can somebody advice me what to do please. -
Hi i would be grateful for any clarification other caggers can provide. LTSB Gold Service Payment application form circa 1990's. across the top of the application 'Lloyds Bank Gold Service Payment/Photo Card Application Form' underneath Credit agreement regulated by the Consumer Credit Act 1974. this is very confusing as part of the document states under 'Security' 'the overdraft facility made available under this agreement is unsecured and shall not be secured or treated as secured by virtue of any mortgage, charge or other security which i/we may have already given (or may in future give) to you. does this then mean that if there is a dispute that LTSB cannot enforce to change the 'unsecured' to 'secured' via a CCJ ? then further down it states 'to be considered for a Lloyds Bank Gold Service Payment Card you must sign in the box below' this implies to me the A4 form is an application form and not an agreement, however in the signature box it refers to 'this is a Credit Agreement regulated by the CCA' has anyone else come across this? and what is the position. Thank You -
This is all kicking off this week and next.. if you are receiving letters Check if they are SRA registered. Basically lloyds and other have been sending out scare letter under the disguise of a third party solicitors firm. http://www.theguardian.com/money/2014/jul/04/banks-legal-demands-that-scare-customers http://www.lawgazette.co.uk/practice...042018.article
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Hi. I asked for about £225 from BOS for £12 late payment charges on a credit card from around 2010 back from BOS. They refused. I added interest and issued county court papers in December. They are defending the claim. We have to exchange court bundles by Monday. I had theirs this morning and have just about finished mine. A firm called SCM solicitors have been dealing with the matter. What I am wondering is does anybody think they will deal before court baring in mind it's only 20 days away, will they turn up? Is it worth calling them and asking for a deal? They also state they want all their costs back. I closed the account in 2011 btw. I ask because I'm a very nervous person and dreading court. I'm not sleeping and wish I hadn't started now. Any thoughts appreciated
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Hi I apologise if this has been asked before. I have defaulted on a credit card, its my own doing and I just want to make things right. I am single parent with two kids living with me, things were okay until my ex wife made some crazy allegations and took my kids off me. I then ended up spending 20k in 5 weeks on legal fees. My kids came back all was dropped. I have not had any child support help in six years while she claimed legal aid, living at her mothers house. Anyway enough of my sob story , I have paid of my 20k debt after some hard days in two years. But I had £1,500 I had a LLOYDS TSB credit which I defaulted on 28/09/2012. Now I have had a letter from SCM Solicitors is there anyway I can get this debt marked off my credit report and make a payment offer. What is the best thing to do? Funny thing is credit expert is saying the following message: Your most recent defaulted/delinquent account is now considered to be less significant. Thanks in advance. -
Lloyds have sent a "formal demand" from SCM regarding an overdraft. In another piece of correspondence with Lloyds I demanded proof of my agreement to overdraft charges and received a reply that stated "we do not hold a signed contract as we do not have an obligation to do so". They are still adding charges and interest. I am drafting responses now and am considering CCA and SAR requests. Advice is gratefully received.
