Sechiari, Clark and Mitchell Solicitors (SCM)
Dealing with debt can be stressful, and getting a letter from debt collectors such as SCM will only add to this.
- Did you have an outstanding account with SCM and are interested in finding out more about who they are?
- Did you take out a loan with one of the banks associated with Lloyds Banking Group that SCM claimed you owed them for?
- Have you had an account with Sechiari, Clark and Mitchell Solicitors that you forgot about or misplaced, and now want to know how to reinstate payments?
If you’re looking for answers to any of the above, or anything else to do with SCM, we’ve got the answers.
The following page will tell you who they are, what they do, and what your rights are if you ever held an outstanding credit or loan account with them.
Sechiari, Clark and Mitchell Solicitors contact details:
Company Name: Sechiari, Clark and Mitchell Solicitors
Other Names: SCM Solicitors, Lloyds Banking Group
PO Box 499
Lower Ground Floor
1–5 Queens Road Quadrant
Lloyds Bank Plc. Registered Office:
25 Gresham Street
Main Contact Number(s): 0808 145 0370
Other phone numbers that they might use to contact you:
Who are Sechiari, Clark and Mitchell Solicitors?
Sechiari, Clark and Mitchell Solicitors were an in-house debt collection department for the Lloyds Banking Group.
In 2011 they were dissolved, yet the title SCM Solicitors was still used as part of Lloyds Banking Group’s in-house litigation department.
Some banks and large financial organisations use an in-house operation that appears to be an external company to chase outstanding debt. They believe it puts added pressure on their customers to pay.
However, it is a practice that is frowned upon by the Financial Conduct Authority and the Law Society, and in this case, Lloyds phased out the use of the SCM Solicitor’s brand in 2014.
If you have an account associated with SCM, it should now be managed by Lloyds Bank Group or been passed over to an alternative external debt recovery company.
All debt collection agencies must follow the Code of Practice provided by the Consumer Credit Association and are regulated by the Financial Conduct Authority.
Why would they contact you?
SCM Solicitors pursued defaulted loans, mortgages, credit cards and other services provided by the banks of the Lloyds Banking Group.
If you failed to meet your repayments, it would have been SCM Solicitor’s job to find out why and to negotiate methods to recover the money you owe.
Do you owe SCM Solicitors money?
If you held an account with SCM Solicitors, you should have long since received instruction about who would be taking over the responsibility of your repayments.
If you haven’t been in touch with SCM or Lloyds Banking Group for several years, then you may choose to engage with them to find out what you should do about the money you owe.
In some instances, debt that has been inactive for several years can be cancelled. If so, you may choose not to make contact until you have received advice from an independent advisor. We can confirm all cases of debt that can be written off 100%.
How old is the debt they are collecting?
Any inactive debt over 5-years-old in Scotland or 6-years-old in England has a strong chance of being removed because it has become statute barred.
A statute barred debt must conform to specific criteria, but if it does, can be removed without you paying anything further towards it.
If you haven’t paid anything during the relative timeframe, nor made written contact accepting responsibility during that time, then we’ll help confirm if this is the case and guide you through the steps to remove the debt.
If the debt is still active, TAD will let you know the best way to progress. With various options available, they’ll let you know the one most suited to your situation, and with the best possible outcome.
Did SCM Solicitors treat you unfairly?
All debt collectors, whoever they work for, have to abide by the laws that regulate them.
If you think you’ve been mistreated, or your debt collector has acted in a way that appears unfair, we can confirm if you have the grounds to make a complaint to the Financial Conduct Authority. In certain cases, you may be entitled to an amount of compensation.
Have you been charged excessive interest rates or outrageous fees?
Were you bullied into making payments you couldn’t really afford?
There are even instances where an agent will try to confuse you with paperwork that is designed to look like court papers or baffle you with technical terms to try and get you to pay towards what you owe.
These are only a few of the ways you can be mistreated. We want to know if you think you’ve been subject to illegal treatment so we can help you get the protection you deserve.
Managing your debt
We want to help you get out of debt and to stay that way. We know how stressful and draining it can be to have money worries hanging overhead. That’s why we help so many of our customers understand the options available and their best-case scenarios.
If you’d like to know any more about how you can become debt-free and stay that way, or ask us particular questions about SCM Solicitors, we’re ready and waiting to help.
We’re here to help you take control of your budget—to understand the many issues and causes of debt, how to avoid them, and how to resolve problem situations whenever the need arises.
Support from our trusted debt advice partners will help you determine the state of your debt to be certain you do owe the money, or if it has been statute barred.
If they can challenge the debt, they will make sure you don’t have to pay them a penny.
If, however, the debt is live, then they can help you find a debt solution that suits your circumstances to help regain control of your finances.
Your debt solution will allow you to repay what you owe with monthly payments based on what you can realistically afford each month.
For help dealing with your debt, talk to TAD to be connected with one of our trusted debt partners.