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He has credit card with Lloyds and recently lost his job due to redundancy, cannot claim on the PPI so I am going to do a reclaim for him.
He is being persued for 3.910 from SCM solicitors, bill shows min payment due 429.00. He has been paying the affordable amount of 10 pounds a month.
I am writing a letter to them to accept this as temp arrangement, question do I send letter to SCM or Lloyds and if anyone any advise on letter appreciated.
I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.
1) give a small donation to this site to keep it going because without this forum I would know nothing.
2) Use your experience to help somone else on another thread.
Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.
this is a quick attempt at a letter just need to know were to send it please ?
I am sorry I am unable to pay the original monthly payments due to my change of circumstances being forced into unemployment in this current climate and not meeting the criteria for your PPI on this policy.
I informed you of this on 01/07/2009, and after seeking advice from my solicotors, I have discovered that I have disposable income of 10 pounds a month. Since I have £3,910.52 total debt, your share of this pro-rata offer is £10 monthly.
I have made the first payment on the 08/12/2009 and a further payment on the 08/01/2010 and will continue o do so on the 8th of the month.
Also, could you please consider using your discretion to freeze any interest or charges that might accumulate, which I am aware is the standard practice for socially responsible companies such as yourself.
As soon as my circumstances change I will contact you to make further arrangements but untill this time please accept my offer to ensure the balance is continually coming down at the offered reasonable rate.
I am a consumer helping other consumers. Together we can and will make a differance. Please double check any information or advise I may give as I like yourself am learning as I go along in life.
1) give a small donation to this site to keep it going because without this forum I would know nothing.
2) Use your experience to help somone else on another thread.
Please do not PM me, my mail address is my username at this site address . I will not under any circumstances give out advise or help through mail, only on the open forum, however feel free to mail me to point me towards your thread and general talk etc.
scm solicitors
and recently lost his job due to redundancy
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