Debt with SCL? – Do not pay them directly
If your debt with SCL is no longer affordable, you may be able to write them off
Have SCL recently chased you for debts which they allege are owed to them?You are not the only one.
In fact, there are millions of people who are struggling with debt and are being pursued by debt collectors. But even still, this can be a daunting experience.We are here to help.
In this guide we will discuss the steps you need to take to stop SCL in their tracks. By the end of this explainer article you will know the steps you need to take to get your debts in order and at the same time, stop debt collectors from phoning and visiting you.
But first, lets look at who SCL are, why they contacted you and show you what to do next…
Who are SCL?
SCL are a debt collection company based in the United Kingdom. Their full company name is Aberdeen Financial Limited. They are registered with the Financial Conduct Authority (FCA) to collect debts in England, Wales, Scotland and Northern Ireland.
SCL purchase debts from other companies at a reduced rate and use their own debt collection staff to follow-up customers for the debt. They also employ field agents, who may visit your home to collect debts.
In this case, here is what you should do …
I have been contacted by SCL, what should I do?
First of all, don’t panic. We are here to help you to get back on track.
It is tempting just to ignore the first letter and hope the matter sorts itself out. But in truth, it never does. You should take action without delay, before fees and charges increase further.
What happens next?
Not only will they call you a lot of times, they will no doubt look to visit your house if you are not in contact with them. Of course this is worrying and some people can find this extremely stressful, but it can be avoided.
When you are at this point, you need to speak to an Independent Debt Advisor. There are many good advantages of this, doing it sooner rather than later will no doubt help you in the long run (and avoid any unnecessary home visits).
An Independent Debt Advisor will:
- look at the debts you currently have
- assess the assets which you own (such as houses, savings and shares)
If you do not act immediately, debt collectors and bailiffs can look at escalating the matter further. Which can include:
- home visits
- car repossession
- they can remove goods from your home to pay for the debt (with the necessary court order)
What about if I choose to ignore SCL?
If a debt collector or Enforcement Agent has tried to make contact with you a number of times, the next logical step for them would be to visit your property to make contract.
What do I do if SCL visit my home?
It is not uncommon for debt collectors to visit your home to collect debts.
If they have, or if they have set an appointment to visit then you should follow these steps:
- remove any vehicles from the driveway to a safe place
- make sure all doors and windows are locked and shut
- do not allow them access to the property (they are not permitted to push past you)
- contact us before they arrive
What rights do SCL have?
The simple answer is, not many – to start with.
As a debt collector, they have similar rights as the original creditor do.
At first they can:
- send you letters
- call you
- send you emails
- text you
- visit your home
Knowing Your Options
Who can I go to for help?
If you are struggling to repay your debts and you are being chased by debt collectors, like SCL then you should seek independent debt advice as soon as you can.
The following companies may be able to help you:
Get help with SCL
If you are struggling to pay your debt with SCL, seek Independent Financial Advice now.
If you want to get in touch with SCL directly, you can contact directly using the details below:
42 Goldstone Road, Hove, East Sussex, BN3 3RH
0345 644 5747
Via their website:
12 January 2007
Company Registration Number:
If you would like to make a complaint about SCL, you can contact the Financial Ombudsman Service or speak to the CSA, which is the trade association for the Debt Collection industry.