Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I was made redundant in May and unfortunately could not make payments on various credit cards and loans, I've been paying off what I can whilst waiting for my house sale to go through (which should be in 6 weeks). My outgoing living expenses are currently about £50 below my income so don't really have a massive amount to spare. Some of my Creditors have been fairly reasonable but the Bank of Scotland are calling me non-stop, they call me anytime between 8am in the morning to 9pm at night whether its a Monday or Sunday. I offer a payment that I can only just afford but they pester me for more, even if I offer more they ask for more on top!!! They ask if I can borrow off friends or relatives to pay the money I owe them and tell me that i'm accumilating charges not paying.. When I do pay some money to them that I can ill afford i'm called a week later with a request for more.. What is the best course of action to take? i've told them that they will receive an offer of settlement in due course and will have to be patient but they just won't back off!!! Looking at the OFT rules they appear to breaking a lot of them
Is it Bank of Scotland calling you, or Blair, Oliver and Scott Ltd?
RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself.
I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
Im sure there an harassment letter on the site to send to the bank to stop them from calling you, have a look in the templates library, they cant have what you havent got, best of luck..Gc
Absolutely - send the harassment letter, but don't be surprised if they ignore it. Personally I would send it recorded delivery so they can't deny receiving it. Also log every single call.
If you're feeling brave, you could try winding them up a bit by refusing to answer any of their security questions until they answer yours, or pick up the phone and say 'I'm just going to get my credit card', then put it next to a speaker with the volume turned up and see how long they will wait. If you have a read around the site, you'll find plenty more suggestions for revenge.
RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself.
I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
Harrassment from Bank of Scotland
in May and unfortunately could not make payments on various credit cards and loans, I've been paying off what I can whilst waiting for my house sale to go through (which should be in 6 weeks). My outgoing living expenses are currently about £50 below my income so don't really have a massive amount to spare. Some of my Creditors have been fairly reasonable but the Bank of Scotland
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