Lloyds/SCM claim form - Loan - settled by N9a - sold to Link

[bold]

hi. im new to this and need some advice,

i dont know whether this is right place to post this.

 

i took aloan out from lloyds 2012 to pay for the machinery i had leased.

every thing was ok untill i lost the buiseness and then lost the job early this year.

 

i couldnt afford the payment and the lloyds bank was pretty helpful

as they agreed the lower payment until my circumstances would change.

 

then i started to get the phone calls and letters from apex.

i phoned the lloyds regarding this and

they said i didnt need to worry but the phone calls never stopped.

 

i got in touch with step dept charity and with their help and advice

i wrote the letter to apex asking for the token payment for time being.

they never reply to this and i made no payment at all.

 

yesterday i got the letter from scm solicitors asking for the full amount within 14 days.

 

im worried,

can somebody advice me what to do please.

[renegadeimp]

Did you take it out as a personal loan or business?

 

Ignore apex. Can you scan the solicitors letter up and edit out personal info?

[bold]

thanks for your reply. it was personel loan and unsecured. i will scan the letter asap. as i dont have facility on this computer.

[bold]

date. 23rd december 2013.

dear sir / madam

re. our client lloyds bank plc.

account number. xxxxxxxxxx

balance. 14,921

 

we solicitors for lloyds bank plc. and act for them in relation to the above matter.

you are required to pay to the balannce of 14,921 in full wthin 14 days of date of this letter to avoid court proceedings being issued against you.

 

telephone us today on 0845 600 4583 as we may able to come to an amicable agrrement for you to pay off the dept

without the need to insitigate legal proceedings.

 

we are able to take details of debit or credit card payment on behalf of our client.

 

if you decide to make payment in this way lloyds b plc.

will show on your credit or bank statement.

[mjt2013]

Are you sure it was a personal loan? I see you took it to pay for machinery for your business.

[bold]

im sure mjt2013, i took the loan to improve for the house , but circumstances became worse so i used the loan to pay off for the machinery.

[dx100uk]

ok so not business

you sadly need to address this

as a 2012 loan is not something you can easily get out of.

 

 

do you have the agreement?

 

all the statements?

 

SCM are Lloyds and should not be ignored

 

they will take court action.

 

dx

[renegadeimp]

Could always tell SCM that you will pay but will be dealing with lloyds direct.

[bold]

yes. i dont want to deny the dept, but cant afford to pay at the moment. i was paying to lloyds before selling dept to apex.

[dx100uk]

if SCM are chasing are you SURE is been sold to APEX.

 

doesn't read that way 'our clients ...lloyds'

SCM are Lloyds

 

check your CRa credit file.

 

dx

[bold]

this is first time iv had this letter from scm. i have had phone and letters from apex. talking about CRa credit file i dont have one.

[renegadeimp]

You do have one. You have 3 in fact. You just need to contact the agencies and ask for it. use noddle. its free.

[bold]

still dont understand mate, if the depts were not sold to apex why were they calling me almost every day, as lloyds have not contacted me for 6months. thanks for your help.

[renegadeimp]

Thats what DCA's do. They harass, intimidate and threaten you. You really nee to check your credit record and see for sure who actually owns the debt. Chances are lloyds still own it, but are using the DCA to bully you into paying. If that is true, then you must put your foot down and get complaints rolling.

[bold]

ok mate ill do that. thanx again for your advice.

[dx100uk]

noddle details are below

 

dx

[bold]

thanx dx. but unfotunatly asking for card detail and dont have one as lloyds have cancelled all my bank accounts.

[dx100uk]

ok so you'll have to do the £2 postal request.

 

Here is the message that has just been posted:

***************

not all the creditors/dcas report to ALL of the CRAs.. so to obtain a full check, you really need to contact the 3 main players.

 

Company Secretary

Equifax Limited

Capital House

25 Chapel Street

London

NW1 5DS

 

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Company Secretary

Experian Limited

Talbot House

Talbot Street

Nottingham

NG80 1TH

 

You can either complete the forms online or send a letter (below) with a £2.00 postal order.

 

---Quote---

All of the three Credit reference agencies offer a paper version and they only cost £2

 

Noddle (who are part of CallCredit) off free online credit reports but as they are the smallest of the threee, they may not have all the info

 

Experian paper app.

http://www.experian.co.uk/downloads/consumer/cfa.pdf

 

Call credit

http://www.callcredit.co.uk/media/53...itfile-app.pdf

 

Equifax

http://www.equifax.co.uk/Products/cr..._file_0310.pdf

 

Send with a £2 postal order.

 

You can use Experians online free trial. just make sure you cancel before the trial runs out

 

Address

 

Company Secretary

CallCredit Limited

1, Park Lane,

LEEDS

West Yorkshire

LS3 1EP

 

Dear Sir or Madam,

*Limited Data Subject Access Request

s9(2) The Data Protection Act 1998*

I hereby request a copy of my Statutory Credit Report, served under s9(2) of The Data Protection Act 1998.

I enclose the Statutory Fee of £2 paid via Postal Order, number: 123456.

For the purposes of confirming my identity, I can confirm the following details:

*My full name*:

*My Maiden Name: *

*My Date of Birth*:

*My current Address*:

 

I have lived at the above address for XX years.

 

I note that under s7(3) of the above Act, a data controller is not obliged to comply with a request under this section unless he is supplied with such information as he may reasonably require in order to satisfy himself as to the identity of the person making the request and to locate the information which that person seeks.

However, I feel the above information identifies me sufficiently to discharge your obligations to establish my identity before posting my Credit Report.

I am aware that you have 7 Working Days to post the Credit Report to me, commencing the day after this s9(2) Statutory Request has been delivered to your Company.

*This letter must not be regarded as granting your Company any Data Consent*.

Yours faithfully,

*Enclosures:

*1 x Statutory £2.00 Fee via Postal Order Number: 123456

*Notes*:this letter is being sent via Royal Mail Special Delivery service

---End Quote---

there is also

www.checkmyfile.com

....ends

[marylikes]

im worried,

can somebody advice me what to do please.

 

Send and income and expenditure form to SCM showing them and offering them an affordable payment.

[bold]

thanx for all the help, ill do what dx have said. as marylikes shall i ring them and tell them about income and expenditure form or write to them.

[marylikes]

Hi bold, my situation is very similar to yours.

 

Loan>lower payments>deal with Apex>letter from SCM> now a court claim.

 

My advice would be to put it all in writing,

showing them your IE,

with a firm and concrete offer ASAP.

 

You could ring them up to confirm it too.

But i would have it in writing to them.

 

Chances are high that you'll have a claim on your doormat otherwise.

I personally wouldn't bother waiting for any credit reports.

 

You know you had a loan, just make an affordable offer then there's not a lot they can do.

[bold]

thanx marylikes. i will write the letter and post it to them. shall i post special delivery or just normal.

[marylikes]

I'd just send it first class with proof of posting (free at post office), then ring them up to confirm they have recieved it.

[bold]

ok m8. ill do that first thing in morning.

[AndyOrch]

Thread moved to Debt Collection Industry.

 

 

Andy