Hi there, Was wondering if anyone could give some advice on my thread regarding O2 and lowells. Many Thanks, RB http://www.consumeractiongroup.co.uk/forum/telecoms-mobile-fixed/184319-old-o2-account-now.html

Hey There, Just received this e-mail from 02 regarding my debt. they explain that i am liable, however they have never pursued me since October 2006, the only reason they have started pursuing me is because i queried a default notice on my credit file. can anyone give me advice on what to do? This debt is purely due to a termination fee, the debt is not for any outstanding call charges etc. the reply is as follows: Good afternoon Mr Bell Thank you for your recent emails. As promised last week, I’ve made further enquiries into your claims that you had no knowledge of the outstanding debt and that you were advised by Moorcroft that the debt was settled in full. For ease of reference I’ve responded to your points below, as laid out in your email dated 19 February 2009: · You state that you have not received any explanation as to how the balance is owed. Please refer to my email of 26 January 2009 which states that “I’ve checked the account history and I can see that your number was disconnected on 2 March 2006 due to non-payment. As you were within the original contract period, you were charged a termination fee which is line rental up to the end of the 18 months. When this amount wasn’t settled in full, we’ve recorded this with the credit reference agencies.” My email of 5 February 2009 states that “The circumstances surrounding the debt are that, as explained in my earlier email, your number was disconnected on 2 March 2006 due to non payment. As you were within the original contract period, you were charged a termination fee which is line rental up to the end of the 18-month contract you agreed on 11 November 2005. When this amount wasn’t settled in full, we’ve recorded this with the credit reference agencies” I also explained that “You mentioned that you have no recollection of us contacting you about this amount however I can see that we sent emails and wrote to you after the number had been disconnected. You made payments for five months after we issued our final bill which would indicate you were aware of the amount outstanding. For your information the last payment we received was on 18 October 2006 and came via our debt recovery agent, Moorcroft.” · I’m sorry I didn’t point out that the debt had been assigned to Lowell’s. We’re permitted to reassign debt if we’re unable to recover monies from our customers. · I’ve contacted Moorcroft Debt Recovery Ltd who have confirmed that they didn’t issue confirmation of full and final settlement. Their records show that their account was closed and passed back to us as uncollectable. · As there is no question over the fact that you are the debtor associated with this account we’re not acting unfairly. · You are not a third party; you are the account holder, so for us or our associated agents to pursue you isn’t unfair. Since you contacted me regarding the correspondence you received from Lowell’s, their action has been placed on hold so I do not agree that we are using deceptive or unfair methods. · We do not believe our demands for payment to be unjustified and have provided detailed explanations as to how and why the balance is due. Therefore, I do not agree that our actions amount to harassment. · I temporarily suspended debt recovery activity with Lowell’s whilst I was in contact with Moorcroft Debt Recovery Ltd. However, as we have provided evidence that you are liable the suspension will be lifted and Lowell’s will continue in their attempts to recover monies from you. I’m sorry that this isn’t the outcome you were hoping for but I trust that I’ve clarified our position further. Kind regards

Also sent the template letter to lowells, but just got this e-mail back from O2 today. Hello Mr Bell I have asked that you’re not contacted by Lowell’s until we’ve investigated this further. I’m sorry that you weren’t aware we’d passed the debt to them. You’ve mentioned you were advised by Moorcroft Debt Recovery Ltd that the payments you’d made were sufficient to settle the account. While I make further enquiries can you please establish if you have any correspondence from them confirming this as we have nothing to suggest this is the case, hence the default some time later. I’m sorry you’re unhappy with the way I’ve responded to your complaint. My decision was based on the information available to me but I’m happy to review this given your recent update. I’ll contact you once I’ve clarified things further. If you need to speak to me please don’t hesitate to call me on the number below. Kind regards So, where do i go from here? When i originally contacted O2, i questioned the fact that the account had been settled, but it was ignored until i included the template letter in the complaint. I have had a look for some correspondance, but can't find anything to say the account has been settled, so what do i do now? Thanks RB

Hi Guys, Sent this e-mail to the O2 woman. Dear Ms , Firstly may i thank you for your speedy reply to my complaint query, however, i would like to express my disatisfaction in your overzealous approach to my complaint. I hope you do not treat all customer complaints with the same approach. As yet you have still not given me any explanation or proof that the balance in question is still owed by myself other than some poor attempts to deny that i have any reason for a query. Instead, what you have done is pass my account to Lowell Portfolio I. Obviously, you may have been expecting an e-mail such as this, since the way you have dealt with my query has been nothing less than underhand and disgraceful. I especially like how at no point in your last e-mail did you happen to mention that my account has been passed on to the previously mentioned company, until the letter from Lowell Portfolio I dropped through the postbox. I would point out that I have no knowledge of any further debt being owed to O2, as looking at my records after making payments to Moorcroft, i was told by them that the account had been settled.This may explain the reason why the account had not been pursued by yourselves since 2006, until i queried the default on my credit file, of course. I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions. I look forward to your reply in writing. Yours faithfully

Further to my earlier post......which was a copy of the reply from the O2 complaints dept...... Is this legal? "I’m aware that we’ve added a default for non payment to your credit file and my email doesn’t state otherwise. You quoted a requirement under the Consumer Credit Act and my email explained that, as we’re not regulated by this act, we don’t need to issue a notice of default to record defaulted payments with the Credit Reference Agencies. I’m sorry if you misunderstood me." Many thanks

Hi, Many thanks. I'll get onto it. Should i send to both lowell and O2 as i have letters from both?

Here is the most recent reply to my complaint. Can i just say that i did make payments to moorcroft and was under the impression the debt was settled. I never ever received e-mails or letters from them. the account was passed to mooorcroft and i made payments because i was constantly harassed by them. If she says moorcroft picked the debt up for repayment, then how can they pass it to lowell? Good afternoon Mr Bell Thank you for your email sent on 27 January 2009 about the response you received to your complaint last week. I’m sorry if my response didn’t clearly explain our position. I’m aware that we’ve added a default for non payment to your credit file and my email doesn’t state otherwise. You quoted a requirement under the Consumer Credit Act and my email explained that, as we’re not regulated by this act, we don’t need to issue a notice of default to record defaulted payments with the Credit Reference Agencies. I’m sorry if you misunderstood me. The circumstances surrounding the debt are that, as explained in my earlier email, your number was disconnected on 2 March 2006 due to non payment. As you were within the original contract period, you were charged a termination fee which is line rental up to the end of the 18-month contract you agreed on 11 November 2005. When this amount wasn’t settled in full, we’ve recorded this with the credit reference agencies. You mentioned that you have no recollection of us contacting you about this amount however I can see that we sent emails and wrote to you after the number had been disconnected. You made payments for five months after we issued our final bill which would indicate you were aware of the amount outstanding. For your information the last payment we received was on 18 October 2006 and came via our debt recovery agent, Moorcroft. We have a legal obligation to record the way in which customers make payments and therefore can’t remove entries that are a true reflection of your payment history. I hope I’ve clarified our position further for you. Kind regards Kirsty Kirsty Eatwell Executive Relations t 0845 3300683 O2 www.o2.co.uk

Nope, That's the thing, i requested that they supply me with all the information regarding the account and remove the default. She replied by saying that because the account was not a credit agreement then they could not issue defaults. I argued that there was a default on the CRA file and that she should send me a copy of the default notice. The complaints woman sent me some more palm off e-mails before i got the letter from lowell. I will try and post my coresspondance as well. I stupidly sent a CCA request originally, when i should have sent a Subject access request. I just can't believe they just sold the supposed debt on, before fulfilling my complaint. So, to answer your question, no they haven't proven the debt is mine. I have until the 25/2 to reply to lowell. or so they say.

Hi There, Where do i begin? I recently checked my credit file and found that i had a default on an old O2 account. I thought that the account was settled and sent an e-mail to O2 regarding clarification and to ask for the default to be removed. However, upon e-mailing the customer relations woman, she stated that they had a legal right to keep CRA's updated with payment history and then stated there was still a balance on the account. I requested that she send me any information on the account and clarify, as i did not have any paerwork to state that the account was in arrears. The account dated back to 2006. So after some rubbish e-mails back from the complaints woman i had no real outcome or results. However, today i received a lovely letter from lowell portfolio stating that i owed £360 for an O2 account. I will upload the letters if possible. I am totally confused as to where to go from hear and any advice would be much appreciated. Many thanks, RB

Hi Guys, Still haven't heard from Blair et al. They recieved my first letter requesting the credit agreement on the 9th Jan. How long do i wait before sending any other letters/stopping payments? Any advice? Thanks

Ok sorry bout the code. second time lucky. Please take a look at it and feel free to tweak. Blair Oliver and Scott PO Box 66 Rosyth (Via recorded delivery) Account in Dispute. Do not ignore this letter. Dear Sir, Re: Agreement reference This letter has also been sent to the Company Secretary, Blair Oliver & Scott Ltd, 8 North Bank Street, Edinburgh, EH1 2LP Before I continue I wish to establish that I am not seeking to avoid responsibility for any debt that I may have or had, I am seeking to redress a wrong. I wrote to you on the [iNSERT DATE] requesting a copy of the executed agreement under the Consumer Credit Act (1974). I also asked for a statement of account. A ‘Lxxa’ at your address assured myself that she would contact the relevant department to ensure that my original letter had been received. I also requested an executed deed of assignment documenting Blair Oliver & Scott’s involvement; this too has not been supplied. In the statutory time you have been unable to supply an agreement . Consequently I do not acknowledge any debt to your company As you will know your non-compliance with my request means that your company has committed an offence under Section 77 (4) of the Consumer Credit Act 1974, summarily punishable by a Level 4 fine on the standard scale. A credit agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act and is therefore a complete defence to any court claim that is issued. Please take note that any legal action you may contemplate will be vigorously defended and contested. I also contend that the money that you have obtained from me has been unlawful since you have not provided me with any documentation to prove the contrary, and under common law you may not profit from an unlawful act. Furthermore your actions arguably do not comply with the Office of Fair Trading’s (OFT) Debt Collection Guidelines of July 2003, in that you have ‘communicated with [me] in an inaccurate or misleading manner (section 2.1) by ‘presenting information in that it creates a false or misleading impression’ and ‘failing to provide [me] with information on the status of debts’. Notwithstanding the above your operatives have sought to contact me on a number of occasions (approximately ten times) in one day,I would imagine regarding your Company’s viewpoint on the above now disputed agreement. I know of these attempts because of the recording received when using British Telcom’s 1471 facility. This intrusion into my privacy has caused a great deal of distress to my family and myself, since because of The Data Protection Act (Data Protection Act) your operatives say they are not allowed to discuss matters with them. We now consider that your ‘phone calls constitute harassment and so from this date any further calls to me will be reported to the Police. In addition you are in breech of the OFT’s July 2003 guidelines in that you are wrongly pursing me contrary to Section 2.8(i). Another worrying facet of this whole case is the unlawful dissemination of my data by your company to a third party. Under the Data Protection Act I have principled rights in that (Schedule I) 1. Personal data shall be processed fairly and lawfully. 2. Personal data shall be obtained only for one or more specified and lawful purposes, and shall not be further processed in any manner incompatible with that purpose or those purposes. (Schedule II) 1. The subject has given his consent. 2. The processing is necessary – a. For the performance of a contract to which the data subject is a party. I have recently conducted an audit of my personal credit reports supplied by Experian and Equifax. Within both files, an entry referenced as “Bank of Scotland” is lodged indicating a loan. This is recorded as “In Default” on the [insert date]. However, I note that files have been updated continually since then. Since I have had no contact with The Bank of Scotland I can only deduce that it is Blair Oliver & Scott that is updating my credit file without my consent or that your company is disseminating my information to a third party without my consent The fact that you cannot provide me with a copy of the agreement negates any Notice of Default being served on me, as required by the conditions of the Consumer Credit Act 1974. Incidentally, I cannot recollect receipt of the said documentation. If the documentation were to be produced as you are aware the default notice cancels any original terms and conditions and as such cancels any right to share my information without my consent. What I require. 1. I require you with immediate effect to ensure that all data held by you regarding the alleged agreement is removed from any and all Credit Reference Agency database. 2. Ensure that all data held by you regarding me and my family is destroyed. 3. Refund all monies paid to you by me since August 2007. 4. Ensure that no further telephone calls are made to me or my place of work. 5. Ensure that all correspondence is made in writing. 6. I require written confirmation of the above together with a quarterly statement that no data has been processed regarding me by you. Failure to comply Failure to comply with my request under the Data Protection Act 1998 will result in the matter being referred to the Information Commissioner. Failure to comply with the requirements of the Consumer Credit Act will cause me to refer the matter to the Office of Fair Trading, and Trading Standards. Failure to comply with the requirements Office of Fair Trading guidelines will lead to a report being submitted. Continued telephone contact will generate a complaint to the police. Failure to repay the paid sums shall cause me to report you to the OFT, Trading Standards and the Financial Services Authority. If you fail to comply with any or all of the above I reserve the right to offer the experience to Consumer Interest media, I have just enrolled with BBC TV’s consumer watchdog database. If you fail to comply with any or all of the above I reserve the right to take action against you without further contact. I hope to hear from you within 12 working days from the date of this letter, failure to do so will be taken that you failed to comply with my request. Yours faithfully,

Hey, Drafted up this second letter to be sent in the instance that Blair et al do not contact me or provide me with a valid CCA. Thanks to this forum of course, for the material etc. Please take a look at it and feel free to tweak. Blair Oliver and Scott PO Box 66 Rosyth (Via recorded delivery) Account in Dispute. Do not ignore this letter. Dear Sir, Re: Agreement reference This letter has also been sent to the Company Secretary, Blair Oliver & Scott Ltd, 8 North Bank Street, Edinburgh, EH1 2LP Before I continue I wish to establish that I am not seeking to avoid responsibility for any debt that I may have or had, I am seeking to redress a wrong. I wrote to you on the [INSERT DATE] requesting a copy of the executed agreement under the Consumer Credit Act (1974). I also asked for a statement of account. A ‘Lxxa’ at your address assured myself that she would contact the relevant department to ensure that my original letter had been received. I also requested an executed deed of assignment documenting Blair Oliver & Scott’s involvement; this too has not been supplied. In the statutory time you have been unable to supply an agreement . Consequently I do not acknowledge any debt to your company As you will know your non-compliance with my request means that your company has committed an offence under Section 77 (4) of the Consumer Credit Act 1974, summarily punishable by a Level 4 fine on the standard scale. A credit agreement that is not properly documented and signed by the customer is totally unenforceable under the Consumer Credit Act and is therefore a complete defence to any court claim that is issued. Please take note that any legal action you may contemplate will be vigorously defended and contested. I also contend that the money that you have obtained from me has been unlawful since you have not provided me with any documentation to prove the contrary, and under common law you may not profit from an unlawful act. Furthermore your actions arguably do not comply with the Office of Fair Trading’s (OFT) Debt Collection Guidelines of July 2003, in that you have ‘communicated with [me] in an inaccurate or misleading manner (section 2.1) by ‘presenting information in that it creates a false or misleading impression’ and ‘failing to provide [me] with information on the status of debts’. Notwithstanding the above your operatives have sought to contact me on a number of occasions (approximately ten times) in one day,I would imagine regarding your Company’s viewpoint on the above now disputed agreement. I know of these attempts because of the recording received when using British Telcom’s 1471 facility. This intrusion into my privacy has caused a great deal of distress to my family and myself, since because of The Data Protection Act (Data Protection Act) your operatives say they are not allowed to discuss matters with them. We now consider that your ‘phone calls constitute harassment and so from this date any further calls to me will be reported to the Police. In addition you are in breech of the OFT’s July 2003 guidelines in that you are wrongly pursing me contrary to Section 2.8(i). Another worrying facet of this whole case is the unlawful dissemination of my data by your company to a third party. Under the Data Protection Act I have principled rights in that (Schedule I) 1. Personal data shall be processed fairly and lawfully. 2. Personal data shall be obtained only for one or more specified and lawful purposes, and shall not be further processed in any manner incompatible with that purpose or those purposes. (Schedule II) 1. The subject has given his consent. 2. The processing is necessary – a. For the performance of a contract to which the data subject is a party. I have recently conducted an audit of my personal credit reports supplied by Experian and Equifax. Within both files, an entry referenced as “Bank of Scotland” is lodged indicating a loan. This is recorded as “In Default” on the 27th February 2004. However, I note that files have been updated continually since then. Since I have had no contact with The Bank of Scotland I can only deduce that it is Blair Oliver & Scott that is updating my credit file without my consent or that your company is disseminating my information to a third party without my consent The fact that you cannot provide me with a copy of the agreement negates any Notice of Default being served on me, as required by the conditions of the Consumer Credit Act 1974. Incidentally, I cannot recollect receipt of the said documentation. If the documentation were to be produced as you are aware the default notice cancels any original terms and conditions and as such cancels any right to share my information without my consent. What I require. 1. I require you with immediate effect to ensure that all data held by you regarding the alleged agreement is removed from any and all Credit Reference Agency database. 2. Ensure that all data held by you regarding me and my family is destroyed. 3. Refund all monies paid to you by me since August 2007. 4. Ensure that no further telephone calls are made to me or my place of work. 5. Ensure that all correspondence is made in writing. 6. I require written confirmation of the above together with a quarterly statement that no data has been processed regarding me by you. Failure to comply Failure to comply with my request under the Data Protection Act 1998 will result in the matter being referred to the Information Commissioner. Failure to comply with the requirements of the Consumer Credit Act will cause me to refer the matter to the Office of Fair Trading, and Trading Standards. Failure to comply with the requirements Office of Fair Trading guidelines will lead to a report being submitted. Continued telephone contact will generate a complaint to the police. Failure to repay the paid sums shall cause me to report you to the OFT, Trading Standards and the Financial Services Authority. If you fail to comply with any or all of the above I reserve the right to offer the experience to Consumer Interest media, I have just enrolled with BBC TV’s consumer watchdog database. If you fail to comply with any or all of the above I reserve the right to take action against you without further contact. I hope to hear from you within 12 working days from the date of this letter, failure to do so will be taken that you failed to comply with my request. Yours faithfully,

Hey N.P. The loan was originally opened in 2005 and after that the bank offered to reschedule the loan, which started in 2006. This was then passed on to Blair et al. On the original loan, there is a customer account status message on my credit file which states. "Partial settlement: Payment received as full and final settlementalthough the payment would not fully clear the balance." Also, on the rescheduled loan that was sent to Blair et al the terms on the credit file say " 0@£89" Both files have never been updated since they were defaulted. Btw, still haven't heard anything from Blair et al since my first letter. Regards, R.B.

Hi, I'm quite new to this and feel like a bit of a fish out of water. Can anyone have a look at my thread and offer up some advice. I find my self in a similar situation. It would be greatly appreciated. Thanks, RB here's my thread http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/177589-blair-oliver-scott-need.html

Hi, This is a link to my thread. any input an advice would be greatly appreciated. http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/177589-blair-oliver-scott-need.html

Thanks, But what sort of evidence is satisfactory? I get a bank statement still from bank of scotland every month for both accounts showing my payments have been made. Would this letter only concern the overdraft? Someone said i should claim back the charges on both accounts. would i send this to the Bank or blair et al? I know i owe the money, so in theory i should be paying it back. But i also know the way they treated me in closing my accounts etc was unjustified. My loan amounts to £6500 and my overdraft is at £1900. I pay £35 to each account each month. Thanks for your help.

Hey, here is the original thread i started. http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/177589-blair-oliver-scott-need.html

Thanks J, i did sign the first letters, hopefully though this isn't too big of a deal. i can honestly say i have not signed any agreement between Blair et al and myself. the only agreement i signed was the original loan when i first applied for it with halifax/bos. Think i need to carry on paying my overdraft bill tho as apparently this is exempt from CCA. Don'tknow how to progress with that aspect of it. Will keep you all posted. I didn't realise it was only 12days, i thought it was 30 for the initial letter requesting agreement copies. thanks again.

Hi, This is my first time posting on the site and i'm looking for some advice. I am a full time student and some years ago had a personal loan with Bank of scotland/halifax and a student overdraft. I fell behind with my loan payments and it was referred to Blair, Oliver and Scott along with my overdraft, which at the time of taking out was told by the bank that i would not need to pay back until i had graduated. However, my account was closed half way through my course and i am now making payments to my loan and overdraft via Blair etal. I have been reading some posts and have sent letters to blair et al requesting credit agreements for both debts. What i would like to know is what do i do next once the 30 days are up, whether i get a reply or not from blair et al? I feel that they shift the goal posts whenever they feel necessary, since i started paying the debt via blair et al i have not missed a payment, but they keep harassing me to make increased payments and i am still studying. they know this but refuse to leave me alone everytime they decide to up my payments. when i was making my last payment i chanced it and asked the call handler to send me out the agreements and she said no problem, however, all i got was a list of the payments i had made. So, don't think they will send me any agreements. Also, is it true that a debt is not enforceable under the original bank agreement if it has been passed to a company such as blair et al? Where does this stand with overdrafts? Any help would be greatly appreciated. Below is the original letter i sent out. Blair Oliver and Scott PO Box 66 Rosyth KY112WG (Via recorded delivery) Dear Sir/Madam, Re: xxxx I am presently striving to organise my personal information and can find no reference to the above agreement that I am presently paying money into. Could I ask that you supply me with a true copy of the agreement? I understand that this is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974. I also understand that it is your obligation to provide me with a statement of account. I enclose a £1 postal order in payment of the statutory fee. Since you are a Debt Collection Agency could I ask that you supply a signed true copy of the deed of assignment of the above referenced agreement? This is, I understand, an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974. I hope to hear from you within the statutory time limit. Yours faithfully,

Hi, This is my first time posting on the site and i'm looking for some advice. I am a full time student and some years ago had a personal loan with Bank of scotland/halifax and a student overdraft. I fell behind with my loan payments and it was referred to Blair, Oliver and Scott along with my overdraft, which at the time of taking out was told by the bank that i would not need to pay back until i had graduated. However, my account was closed half way through my course and i am now making payments to my loan and overdraft via Blair etal. I have been reading some posts and have sent letters to blair et al requesting credit agreements for both debts. What i would like to know is what do i do next once the 30 days are up, whether i get a reply or not from blair et al? I feel that they shift the goal posts whenever they feel necessary, since i started paying the debt via blair et al i have not missed a payment, but they keep harassing me to make increased payments and i am still studying. they know this but refuse to leave me alone everytime they decide to up my payments. when i was making my last payment i chanced it and asked the call handler to send me out the agreements and she said no problem, however, all i got was a list of the payments i had made. So, don't think they will send me any agreements. Also, is it true that a debt is not enforceable under the original bank agreement if it has been passed to a company such as blair et al? Where does this stand with overdrafts? Any help would be greatly appreciated. Below is the original letter i sent out. Blair Oliver and Scott PO Box 66 Rosyth KY11 2WG (Via recorded delivery) Dear Sir/Madam, Re: xxxxxxxx I am presently striving to organise my personal information and can find no reference to the above agreement that I am presently paying money into. Could I ask that you supply me with a true copy of the agreement? I understand that this is my right under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974. I also understand that it is your obligation to provide me with a statement of account. I enclose a £1 postal order in payment of the statutory fee. Since you are a Debt Collection Agency could I ask that you supply a signed true copy of the deed of assignment of the above referenced agreement? This is, I understand, an obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974. I hope to hear from you within the statutory time limit. Yours faithfully,

Hi, This is my first time posting on the site and i'm looking for some advice. I am a full time student and some years ago had a personal loan with Bank of scotland/halifax and a student overdraft. I fell behind with my loan payments and it was referred to Blair, Oliver and Scott along with my overdraft, which at the time of taking out was told by the bank that i would not need to pay back until i had graduated. However, my account was closed half way through my course and i am now making payments to my loan and overdraft via Blair etal. I have been reading some posts and have sent letters to blair et al requesting credit agreements for both debts. What i would like to know is what do i do next once the 30 days are up, whether i get a reply or not from blair et al? I feel that they shift the goal posts whenever they feel necessary, since i started paying the debt via blair et al i have not missed a payment, but they keep harassing me to make increased payments and i am still studying. they know this but refuse to leave me alone everytime they decide to up my payments. when i was making my last payment i chanced it and asked the call handler to send me out the agreements and she said no problem, however, all i got was a list of the payments i had made. So, don't think they will send me any agreements. Also, is it true that a debt is not enforceable under the original bank agreement if it has been passed to a company such as blair et al? Where does this stand with overdrafts? Any help would be greatly appreciated.