i have just recieved a letter from scm. so i called them, i was on a plan for £10 a month for my overdraft (£1,800) they say i missed 2 payments . so went online to my account to see why it wasnt payed direct debit have done it this way for a year, found that lloyds credit card had tried to take £177 out of the same account not once but three times. because no money in that account except the ten pounds.the debit was returned. i got bank charges. the took that so no money in to pay my ten pound plan.now because i defaulted, scm now want £50 per month. or will take me to court.