What To Do If You Get A Nasty Letter or Phone Call From:
Sechiari Clark and Mitchell
Who Act On Behalf Of Debt Collecting Firms
Clark and Mitchell is a law firm which acts on behalf of some debt collection
undertake work on behalf of clients who are debt collecting companies
and who either appear in DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily clients
of Sechiari Clarke and Mitchell), and especially the debt purchasing
element, go a bit too far sometimes and can make people's lives a misery
when those same people are at their most vulnerable. We do not suggest
that they are acting outside the law, but getting that letter or phone
call is not exactly helpful to you right now.
So the first thing
you must do if clients of Sechiari Clarke and Mitchell (or indeed Sechiari
Clarke and Mitchell themselves) are bothering you is not to
panic or despair. That's just what they want! They'd love you
to call their number and speak to their specially trained sales team
for 'advice'. But once you do that you'll be suggestible to whatever
they tell you, instead of getting independent advice. While we always
say that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
But first a word
of warning. You may be tempted to get a payday loan. There is no shortgage
of advertising for them. The problem is that the interest rates are
extremely high. Consequently we cannot recommend them. In any case,
they are designed only to be used over the very short term and are quite
unsuitable for long term debt management.
As an alternative
you could apply for a 'logbook loan' which many people
find a very handy option. It is actually a loan secured on your car,
except you get to keep the car and keep the cash as well! That's why
some people find it such a good idea, as it unlocks the equity in your
vehicle without taking away your means of transport (there's no need
to sell the car).
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
be aware that figures entered need to be accurate by law, and to give
the best service to you. It is extremely important that you budget for
all necessary expenditure including rent or mortgage, council tax and
utility bills, etc., and any other necessary outgoings related to the
upkeep of your household and in relation to any specific circumstances
that may relate to you. This website only collects data on behalf of
debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect their
ability to get credit in the short term or even in the long term in
some cases. It is free to apply from this website; you will be given
advice by debt management professionals and a 'cooling off' period,
by law, to decide whether or not the debt management plan is suitable
for you, and you should be aware that a fee will be chargeable upon
a successful arrangement, as with any commercial transaction. Failure
to meet the repayments on an IVA or any debt management programme may
result in serious consequences, including, but not limited to, bankruptcy.
Bankruptcies, CCJs and similar defaults will be entered into a public
register and will remain there for a statutory period of not less than
six (6) years.
Clark and Mitchell
Also Known As: Sechiari Clark and Mitchell Debt Collectors, SC&M,
Sechiari Clark and Mitchell Ltd, Sechiari Clark and Mitchell Brighton,
Address: Department SO, P O Box 499, Brighton, East Sussex BN1 3XJ
Telephone: 01273 205381 (BUT DO NOT PHONE THEM)
Fax: 01273 745356
Extra Data: Associated with Lloyds TSB and Lloyds TSB Asset Management.
Get a free QuickCreditScore
check by applying
Clark and Mitchell and the Truth About Your Debt
Ask Sechiari Clark
and Mitchell for a copy of the original contract when you took out your
loan or credit card.
Want to be in a
much better position to manage your affairs? Challenge your debts and
reclaim all your credit card charges over 6 years. For more details
about this Ministry of Justice licenced service see Help
For Debt Problems.
Free Invoice Finance Quotes & Invoice Factoring Quotes
Here are a few websites to help you to raise capital if you are in business, or are self-employed, and you find yourself in a position where you need to raise capital. The following services will allow you to get free invoice finance quotes. Here is the list of websites:
Against Sechiari Clark and Mitchell
is a diversity of comment on the shortcomings of Sechiari Clark and
Mitchell on all the good consumer finance website forums, notably the
ConsumerActionGroup forum and the Penalty Charges forum. These people
seem to like getting all sorts of other debt colectors involved as well,
including Allied International Credit (q.v.) and Mackenzie
Hall (q.v.). SCAM are part of Lloyds TSB Asset Management,
follows on these characters presently.
Policy | Help
Us | Contact
Us | Compliance
& Disclosure | Complaints
a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Sechiari Clark and Mitchell website is part of DPC Registry website
group. All rights reserved. Complaints Against Sechiari Clark and Mitchell