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Lloyds tsb/ aka SCM solicitors


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Now they have turned on the bully boy tactics.

They know of my circumstances and i have kept to the agreement with them for the last 2 years, I have made payments monthly as agreed with them.


Two months ago they started sending me letters informing me of charges so i took my complaint to my MP Jason Mccartney who wrote to Lloyds on my behalf.


I received a respone from Lloyds who confirmed they would look into my complaint and get back to me within a month, Of course that never happened, Im at the stage now of throwing the towel in and going to court, If its a pound a week then thats fine by me i just stopped caring.


My loan was taken out in july 2004 and i know i was paying PPI but i canceled that in 2005

What on earth am i going to do ?

Anyone advise please.


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debt is £2668 which i was paying monthly at a reduced rate thanks to the CAB who handled my claim for me 2 years ago. Statements of income were sent to them in march this year, they confirmed in writing to pay monthly at reduced rate, I havent missed any paymets.

Then they started adding interest when they agreed they wouldnt ! So i took it my MP who wrote to them.

I havent 'CCA' them, should i ?

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Ask your creditor for a copy of your credit agreement under the Consumer Credit Act 1974




1 High Street,



R21 4RH



June 28, 2006



The Loan Company

Company House,

Church Street,



R1 7HG


Dear Sir/Madam


Re:− Account/Reference Number 4563210025897412


This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.


I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply.


If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.


Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection From Unfair Tradinglink3.gif Regulations 2008 (CPUTR).


I enclose a postal order in the sum of £1.00, which is the statutory fee. Note that these funds are not to be used for any other purpose.


If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee.


We look forward to hearing from you.


Yours faithfully

Mr A N Other

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nigel_bytes - in same situation as you, paying reduced payments initial agreement due to end early next year, then same letter from SCM, then letters from Moorcroft, which after advice on CAG I have ignored - just made payment by cash to LTSb to show keeping up with terms of temp agreemnet. About to CCA them. Good luck



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Recorded delivery sent yesterday evening so will check midweek if they have received my request.

I found this article in the times from last year, so it looks like they are up to their old tricks.




Thanks everyone.

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  • 2 weeks later...
  • 4 weeks later...

Hi all, I got a response today from Lloyds but my scanners not working. In brief they write,

I write in response to your request for a copy of your consumer credit agreement .....

I have enclosed with this letter a copy of THE RECONSTITUTED VERSION of your executed agreement and a signed statement of your account.

By providing you with the documents attatched to this letter we have satisfied our obligation to provide a copy of the executed agreement under section 78.

blah blah blah. (my caps)

Will try later to get scanned copy.

Thanks for reading.

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