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Hi all



I was a SL victim.

I failed to keep up payments thus was taken to court.

I then reached an agreement which I also failed to keep to.



have had lots of harrassing emails over the last few days

but have managed to get the offer agreed to one which I am happy with.


Here it is;

Original loan for £160.00 back in 2011

CCJ taken in 2012 - now owing £550.00

Offer to SL in March 2012 for £220.00 split into 3 payments which I made 2 payments and failed on the 3rd.

SL then increased the debt to £346.00 now owing


I emailed SL explaining that I can not afford to make any of the payment offers they have in their letters.



SL then bombarded me with email after email not paying any attention to my request for information

as to how the debt had increased by so much.



Yet more emails ignoring my requests or offers.



I threatened to make a complaint to the Financial Ombudsman, giving them 8 weeks to reply to this complaint.

SL emailed me back saying please log on to their web site and follow their complaints procedure

...I pointed out that on their website it clearly states

"You may contact us in any way which is convenient to you,

by telephone in writing or by email" and that they should not ignore my complaint.


This worked and I now have the debt down to £80.00 and thats the end of it.


This was my email to them;




To whom it may concern,


I hereby notify you that I am raising as formal complaint with you. The reasons are listed below.


1) You have failed to respond to my request for a more detailed breakdown as to how the outstanding amount is broken down.

ie; What are you admin charges, what are the additional charges.


2) I have already advised you that I can not make any payment until the end of the month,

yet you have now sent me the same email 5 times in 2 days, failing to acknowledge my current financial situation.


3) The fact that you have sent the same email 5 times in 2 days can only be described as harassment and bullying.


4) You have also failed to acknowledge my offer of finalising the debt as per our original agreement made last year 2012

, which again I will not be able to do until the end of January.


As per the terms stated by the Financial Ombudsman you have 8 weeks to respond to this email.

If I feel that yet again you have failed to address my concerns and requests adequately

then I shall with hesitation raise this complaint with the Financial Ombudsman.

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