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Hello
hope someone can help me, totally at rock bottom. I have a debt of £6000 with scm solicitors originally an unsecured loan with Lloyd's took out in 23 oct 2006 as reconsolidate on loan for overdraft made up mostly of bank charges and credit card balance again bigger trough large amount of charges. I had gone in the bank that day crying as charges had swallowed up my child tax credit, I as took to a side room wher I cried and explained to the bank lady that I had had a nervous breakdown in June 2006 after being bullied in my employment, they were ignoring or refusing the obligation to pay me statutory sick pay and how I was in a spiral of charges with Lloyd's tsb and didn't have money for food due to more charges etc. I was told under no circumstances be refunded any charges as I had got myself into this mess, but once I repaired my account that ant charges would be looked ya as I would be a good customer then, she then rang through to the loans department who arranged me the recon loan to enable me to have my child tax credit if £180 available to me. I was in tears and asked if this was my only route for child tax credit to be available as i didn't feel that comfortable as still was waiting for help regarding ssp and didn't know how quickly I would return to work. But to feed my children I signed for loan. Wish I had had access to information on sites like this then.
anyway I defaulted with loan and pay £5 per week to scm they have secured my debt now on my home. I still owe £6127 as charges for default etc made sum higher. I rang scm today asking for a full and final settlement figure as I am in a catch 22, have been looking after my father who has dementia sine 2008, but have managed to secure a really good full time job beginning in April but only if I show this debt as satisfied. Which I cannot afford without the job, I am just so sad. I have just heard from lloyds ppi reclaim that a letter is on the way to uphold my ppi claim with a £2500. And I was hoping to use this as a full and final settlement to show satisfied on my ccj.
thanks for any help or advice, such a low ebb and just want a normal life again
hope someone can help me, totally at rock bottom. I have a debt of £6000 with scm solicitors originally an unsecured loan with Lloyd's took out in 23 oct 2006 as reconsolidate on loan for overdraft made up mostly of bank charges and credit card balance again bigger trough large amount of charges. I had gone in the bank that day crying as charges had swallowed up my child tax credit, I as took to a side room wher I cried and explained to the bank lady that I had had a nervous breakdown in June 2006 after being bullied in my employment, they were ignoring or refusing the obligation to pay me statutory sick pay and how I was in a spiral of charges with Lloyd's tsb and didn't have money for food due to more charges etc. I was told under no circumstances be refunded any charges as I had got myself into this mess, but once I repaired my account that ant charges would be looked ya as I would be a good customer then, she then rang through to the loans department who arranged me the recon loan to enable me to have my child tax credit if £180 available to me. I was in tears and asked if this was my only route for child tax credit to be available as i didn't feel that comfortable as still was waiting for help regarding ssp and didn't know how quickly I would return to work. But to feed my children I signed for loan. Wish I had had access to information on sites like this then.
anyway I defaulted with loan and pay £5 per week to scm they have secured my debt now on my home. I still owe £6127 as charges for default etc made sum higher. I rang scm today asking for a full and final settlement figure as I am in a catch 22, have been looking after my father who has dementia sine 2008, but have managed to secure a really good full time job beginning in April but only if I show this debt as satisfied. Which I cannot afford without the job, I am just so sad. I have just heard from lloyds ppi reclaim that a letter is on the way to uphold my ppi claim with a £2500. And I was hoping to use this as a full and final settlement to show satisfied on my ccj.
thanks for any help or advice, such a low ebb and just want a normal life again
to LB .
) starting in April which may be in jeopardy if you can't prove this debt has been settled. 
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