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SCM Sporting Classic Motors is a company based in north Hampshire close to the Berkshire border in Southern England specialising in classic car restoration, with an emphasis on historic motor vehicles with a sporting predisposition.


The restoration of pre-war vintage motor vehicles is incorporated with post war Classic Car restoration, classic car maintenance, classic car servicing and classic car repairs.


Much of the work involves British and German classics such as Mercedes Benz, Porsche, Austin Healey, Bentley and Daimler but not exclusively.

Have actually financial obligation aided by the Sigma Financial Group? Today get help

The Sigma Financial Group will not stop calling me personally. Exactly what can i really do about any of it?

That depends. The Sigma Financial Group, as with any business collection agencies agencies, is needed to work according to guidelines put down by the Financial Conduct Authority.

Debt collectors cannot, for instance, threaten legal action which they understand it really is not likely to materialise. They can’t deliver letters that appear to be court kinds or imagine to own appropriate capabilities they don’t possess ( they can’t, for instance, deliver bailiffs round with out a court purchase). And so they can not chase you for re re payment whenever your debt will be handled with a Trust Deed Scotland or IVA (Individual Voluntary Arrangement).

Also, as being a known user of this Credit Services Association, The Sigma Financial Group in addition has decided to strive towards the CSA rule of conduct.

There’s an expectation that commercial collection agency agencies that join towards the rule of conduct don’t simply consent to its terms, but in addition consent to strive towards the character associated with rule.

The Sigma Financial Group or just about any commercial collection agency business should, therefore, do some of the after:

  • Call you at unreasonable times
  • Contact you in a manner that does meet the preferences n’t you have currently agreed with them
  • Phone you at the job without authorization or after you’ve told them to end
  • Discuss a family member to your debts or company
  • simply Take re re payments without your authorization
  • Refuse to offer you time for you to think about your choices when you’ve contacted a debt advice agency for help
  • Force you into paying down a debt by borrowing more income
  • Utilize appropriate language or technical jargon to confuse your
  • Demand re payment whenever a debt is statute barred – this is certainly, your debt has become considered too old to enforce (see below)

We enjoy numerous reports about debt collection agencies which act unscrupulously – you’ll find out more when you look at the movie below – that we have no specific information to suggest The Sigma Financial Group is one of these although it’s important to note. If, but, you feel you have got explanation to complain concerning the Sigma Financial Group, you will discover the target for complaints, when it comes to Financial Ombudsman and also for the Credit solutions Association towards the base of the web web page.

I had a financial obligation call or letter through the Sigma Financial Group. Just just just What must I do next?

Before you make any repayment, always always check the immediate following:

Would you owe your debt?

Be sure your debt to that the Sigma Financial Group’s letter relates can be your financial obligation. If you should be genuinely not sure whether or not the financial obligation is yours, talk to a credit agency (such as for example Experian or Noddle) to obtain the outstanding debts shown against your title.

Encourage them to show it having a ‘Prove The Debt’ Letter

The Sigma Financial Group (and each other commercial collection agency agency) has to be able to prove that your debt they do say is yours in fact is yours. Should they can not prove it they usually have no option but to mark your debt as settled.

Listed here is an example page you should use to make sure The Sigma Financial Group has got the proof to connect your debt to you personally:

We received your page concerning the account indicated above, claiming that We owed an amount that is specific.

I’d like to let you know I owe (name of specific creditor) that I do not know of any such amount. I might additionally love to phone your awareness of the FCA’s (Financial Conduct Authority) customer Credit sourcebook that states that:

A strong should neither ignore nor disregard an individual’s declare that their financial obligation happens to be settled and/or is disputed and must stop making needs for re re re payment without supplying the client justification that is clear evidence as to the reasons the claim just isn’t legitimate.

A company must suspend or stop the actions it or its agent takes into the data data recovery of a customer’s financial obligation where in actuality the consumer disputes or has settled your debt on legitimate grounds or exactly what can be considered grounds that are valid.

The firm must re-examine the dispute and provide details of the customer’s debt to the customer in a reasonably timely manner if a customer disputes the debt on valid grounds or on what may be considered valid grounds.

If you have a dispute about the identification regarding the debtor or perhaps the level of your debt, its for the company ( perhaps maybe not the consumer) to determine, that the client should indeed be the proper person/identity in reference to your debt owed or that the quantity is proper beneath the contract.

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An assortment company must definitely provide the consumer with details about the end result of its investigations in regards to a financial obligation that the client disputed or has settled on valid grounds. 7.14.5

The firm is required to if the customer disputes the debt and the firm who seeks to recover the debt is neither the lender nor the owner

Pass the data provided by the client towards the lender that is actual the dog owner; or

In the event that company was handed authority by the lender or the owner to investigate the dispute, the company is needed to alert the lending company or owner in connection with results of the research. 7.14.6

You have got not ceased your collection tasks whilst investigating a fairly disrupted or queried financial obligation, a way that is considered unfair and misleading. Also, by continuing to create needs from us in order to make re payment whilst ignoring/disregarding claims that my debts are disputed or settled, your agency is committing exactly exactly exactly what amounts to mental and/or harassment that is physical.

In light with this, i will be asking that you don’t get in touch with me personally about the above account without supplying me personally with proof regarding my obligation.

I will await your reaction confirming that the problem We have presented above is closed. If i really do not get such verification, i will register a issue using the division of trading criteria that will notify the FCA with regards to your actions.

If required, i will additionally ahead a grievance using the Office of the Financial Ombudsman provider and Suggestions Commissioner.