SCM solicitors - and CCJ on old LLoyds credit card debt - how much have i paid?

[iwannaclearmydebts]

Hi all,

 

Its been a while since I posted on CAG, however I have always kept an eye on the forums regarding DCA activity!

 

I need some help, probably rather simple, however I hope someone can point my in the right direction?

 

I have been paying an old CCJ (Lloydstsb creditcard debt) to SCM since 2007 and would like to find out how much I have left owing as I have never heard from them prior to the standing order being sent up in the same year.

 

Does anyone know the contact address or telephone number for them?

 

Also, on a separate note I have never checked statements for charges / interest, so would this still be possible or even worthwhile looking into now?

 

Any help is always appreciated.

 

Many thanks.

[maroondevo52]

 

Does anyone know the contact address or telephone number for them?

 

Department SO

PO BOX 499

Second Floor

Three City Park

The Droveway ,Hove

East Sussex

BN3 7AU

[iwannaclearmydebts]

Hi Maroondevo52,

 

Appreciate the quick response.

 

On a debt like this is it worth a SAR to them and in your opinion would it be worthwhile this far into paying it off?

 

Many thanks,

 

iwcmd.

Edited September 16, 2013 by iwannaclearmydebts
typo error

[dx100uk]

urm by law your should be receiving a statement better than annually....

 

scm ae Lloyds so what is going on here.

 

sar Lloyds

 

dx

[sequenci]

urm by law your should be receiving a statement better than annually....

 

 

Isn't it an annual statement at the very least according to the consumer credit act?

[dx100uk]

yes that's what I thought too seq.

 

somethings not right here with this

 

beginning to smell

 

dx

[sequenci]

And as far as I'm aware I'm pretty sure they cannot add contractual interest if they don't supply that notice? Someone more clued up than me can clarify that.

[AndyOrch]

And as far as I'm aware I'm pretty sure they cannot add contractual interest if they don't supply that notice? Someone more clued up than me can clarify that.

 

 

Pre litigation ....post litigation would depend on the the judgment and the original T&Cs of the agreement.

[sequenci]

Pre litigation ....post litigation would depend on the the judgment and the original T&Cs of the agreement.

 

Isn't it the case that contractual interest on post octomber 08 judgments cannot accrue as part of the judgment anyway?

[AndyOrch]

Not sure what relevance it is to this thread Seq as the OP has not raised that but for reference:-

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?139880-Warning!!-PJI-Post-Judgment-Contractual-Interest

 

Regards

 

Andyorch

[iwannaclearmydebts]

Hi All,

 

Thanks for your comments and thoughts on this matter.

 

The CCJ was back in 2005/2006 and is not on my credit file.

It was for a Lloydstsb creditcard debt £13k if I remember correctly.

I don't know f their was or still is any charges / interest applied as I have never SAR 'd them

and I have never had a statement or contact at all from them since prior to judgement.

 

I pay £100 / month (it was £150 / month until I reduced it due to personal finances in 2007).

 

So, I really have no clue as to what is left owing, how long I need to carry on paying etc.

 

Also, I had an old overdraft with Lloydstsb, which I defaulted in 2003

(around £5k after charges / interest and still taking DD for old loan) and have never been contacted by them on this,

so would it be risky to SAR Lloydstsb directly possibly stirring up a wasps nest?

 

Many thanks for any input you can give me as I do understand there are a lot of people with more pressing situations on CAG.

 

BR,

 

iwcmd.

Edited September 18, 2013 by iwannaclearmydebts
incorrect spelling / missed words

[AndyOrch]

The problem we have is that once a CCJ is in place and payments are being made

there is no accounting from most of if not all Judgement creditors.

 

This also applies to Consent/Tomlin Orders there is no accounting or statements provided.

 

I assume that this is because the debt has been wrote off and tax relief claimed on the bad debt that those payments are miscellaneous and unaccountable.

 

There is no requirement to supply statement or notice of arrears as the agreement has now ended and been replaced by the judgment.

 

Regards

 

Andy

[iwannaclearmydebts]

Thanks all / Andy,

 

I appreciate your knowledge on this matter.

 

So, the only real thing I can do now is contact SCM to request a balance left outstanding?

 

BR,

 

Iwcmd.

[AndyOrch]

Yes or use your own estimate...Judgment date x £ x Mths Paid =