Lloyds Tsb / Sechiari Clark & Mitchell

dealingwithit_2

Hi, Been On A Dmp Since March 07 With Cccs. Has Anybody Had Dealings With Lloyds After Receiving Letters From The Above, I Have Responded To All Communications As I Prefer Not To Speak To Them, But Have Had A Message Asking For Me To Contact Them (had A Call A Few Weeks Ago And They Wanted To Accept Payment If I Refinanced Through Them, Which Is Not Feasible, The Guy Did Say It Would Be Passed To Recoveries Where They Would Probably Accept Payment). What Next, Do They Ever Accept Payments? It Is Pretty Scary When You Get Letters And Phone Calls. Help Anybody. Thanks In Advance.

louise1111_2

hello!

i was paying £5 monthly to Lloyds. i missed one payment and they have sent it to AIC. i would say though never to speak to them on the phone. keep everything in writing.

have you CCA'd them?

craftingqueen_2

Hi,
Lloyds are one of our major creditors we had the same letters from their solicitor's to.We informed them we were on a DMP and could not afford anymore at the present time.They then pass us on to a DCA,they accepted our payments from the beginning.Hope this helps.

CQ

kel123_2

Hi D.W.T

Lets cover some basics

1. have you had a letter from Lloyds saying that is as been sold or assigned to SCM?
2. It is against oft guidlines to offer you this kind of deal?
3. Letter to them to remove your phone number from their system and comunicate in writing only
4. Talk to CCCS
5. Don't panic they do these things it's part and parcel for the course
6. It is adviseable to ask for your Customer credit agreement so you know exactly were you stand - if they cannot supply one then that can lead you down another route but only if you want to?

Please do as I suggest Don't speak to them on the phone, by letter only you have proof of what they say!

Kel

10past6

kel123 wrote: »

Hi D.W.T

Lets cover some basics

1. have you had a letter from Lloyds saying that is as been sold or assigned to SCM?l

Huh?

SCM are the solicitors who act on behalf of Lloyds

OP, this is the letter you need to send of to them, quoting your CCCS ref number

Obtain the name & address for the CEO for the company (Google is your friend) then send them this letter, amending it with your own personal details and send by recorded delivery:

Your Address

DAC / Creditor's Address

Date

Ref A/C xxxxxxxx

On the top of your letter state very clearly in big bold letters “FORMAL COMPLAINT”

Dear Sir / Madam

I refer to the above account, held with yourself's.

I have informed your company on numerous occasions I am experiencing financial difficulties.

I am acting in a responsible manner re my current situation, by seeking the advice from XXXX, I have informed your company of this, which has fallen on deaf ears.

Due to the continued harassment I'm experiencing from your company, I have taken advice from the OFT, I am informed your company is in breach of the following guidelines:

Deceptive and / Or Unfair Methods.

2.8 Examples of unfair practices as follows:

C: Refusing to deal with appointed or authorised appointed third parties, such as, Citizens Advice Bureau, Independent Advice Centres, or Money Advisor's.

Contacting debtors directly and bypassing their appointed representatives.

I have informed your company, that (give the name of the organisation and account number of whose managing your DMP), is my authorised third party appointed representative.

If I do not receive a satisfactory reply to my complaint from your company within 7 working days, from the date of this letter, I reserve the right to refer my complaint to the OFT for adjudication.

Sit back and see what happens

kel123_2

OK din't realise SCM were solicitors I had read OP's post incorrectly I had read it as if SCM had offered the refinance and they was accepting payment! But the HUH?

10past6

kel123 wrote: »

But the HUH?

If you look at post number 3, that also confirms it's from their solicitors, which is why I said, huh?

Did you not read the comments before posting? genuine question.

fermi

kel123 wrote: »

OK din't realise SCM were solicitors I had read OP's post incorrectly I had read it as if SCM had offered the refinance and they was accepting payment! But the HUH?

SCM are not "Solicitors".

They are part of Lloyds TSB's "in house" DCA.

EDIT: As far as I know anyway.

See: http://www.payplan.com/debt-library/miscellaneous.php

They never seem to act for anyone else.;)

rayday2

They are the last line of defense before Lloyds give up - I take it it was lovely grey paper (mine was!)

Just copy them with the offer of payment that you have sent. I wrote a quite snotty letter to them and they did roll over and accept after that.

Please do not loose sleep just pretend its a Lloyds letter (which it is!) on grey paper and carry on as you have been.

10past6

fermi wrote: »

SCM are not "Solicitors".

They are part of Lloyds TSB's "in house" DCA.

EDIT: As far as I know anyway.

See: http://www.payplan.com/debt-library/miscellaneous.php

They never seem to act for anyone else.;)

Hi Fermi

I thought SCM were solicitors, is this not the company that defends Lloyds re claiming back charges?

fermi

Yep. They are not a separate firm of solicitors.

I should have said, they are Lloyds TSB wearing a different "hat".

As rayday says, they tend to get involved when Lloyds are getting desperate.