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Muffintop v scm lloyds tsb


Muffintop
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Hi caggers not been on here for a very long time, situation is now my credit file is covered in defaults which is depressing for me and has caused me to take away my choices in life.. I decided to go into a dmp with cccs incase i was called to court and the judge could see I was trying my hardest.

I have found most of the cards ok to deal with and have chipped away slowly and had a f and f settlment offer on a couple of them..however i received this letter courtesty of Lloyds credit card, not my biggest amount to be honest from SCM solicitors. Checked em out on here and mildly worried now that I will ge a CCJ, this I do not want... can anyone tell me what the likelyhood of this is, whether they would negotiate a f and f settlment and should I contact them? OR just ignore them? and carry on paying token payments every month? if I was given a CCJ would I know about it and have time to defend myself, in otherwords do you have togo to court and could I pay it off before that stage.

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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Impatient but BUMP anyone advise please as dont know whether should ring scm or not

muffintop

Won Nationwide £900 and £1908 Bank Charges

Lloyds personal account 1,861

Lloyds Bus Account 2k

Abbey bank acc. Stayed 2008

 

CCA requested Barclaycard Nov 08 - n1 issued - GAVE UP

CCA Mbna Nov 08- n1 issued - GAVE UP

Marks and Spencer Money Nov 08 -lost found 2b enforceable.

Tomson Holiday - WON

 

if I help you tip my little scales it gives me a thrill. MT

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