Ok thanks. I'll have a read up later and see what I can do.

Hello and thanks for answering. What is oft and ts? Is there a link on here so as I can read up on them? Oh and in the meantime should I just ignore these letters or write back or what? Thankyou

Once again I've recieved a letter from Blair Oliver and Scott asking me to call them because my repayment is up for review. I'm to have details of my income and expenditure at hand for their Collection Specialists to assist me. Any thoughts on what I should do?

Think that's it. Sorry about all this!

Ooops! sorry

Hello again. I've finally recieved the Credit Agreement. I apologise because my information was off before. The loan was through Capital Bank which is a Bank of Scotland company, and not through the Royal Bank of Scotland which I originally thought. Also it says it was for £4000 and not the £3000 I thought it was. Anyway, attached is a copy of what they've sent me.

Could you point me in the direction of the SAR letter please.

Thanks, I've been seeing it but not properly reading it but definately will be now

If indeed they did I will definately share some of the love to this site! It's excellent.

Thanks. I feel better just reading this forum because before I didn't really know where to ask. I'm sorry for my ignorance but I'll have to read up on what the SAR is. I'd never heard of it until yesterday Everyone has been as helpful as they can be and it's extremely appreciated.

All I can really remember is whoever he was dealing with said it would be better if my name was on there too and so when it came we both signed for it, I'm unsure of specific details as such, that's why I've never really questioned trying to pay it etc. Hopefully by the end of all this I'll have a better understanding and not be so naive in future!

I know it probably sounds pathetic but I daren't just stop paying. I'd dread someone turning up on my doorstep because of it. From what I've read on this forum I understand that they can't just do that but still probably will. I'll read up more on here to find out about the OFT/TS is and how to report it to them etc. Thanks for taking the time to help, I appreciate it

OH? Other Half? If so then no, he took it out but we both signed for it. I don't know if there is a CCA, sorry.

I think the last balance I had was just shy of £5000. From what I recall I started with payments of about £5 and they've gradually worked up to £20.20. I've done the letter and the postal order and hopefully will get some sort of a reply soon. As soon as I recieve one I'll put it on here so you can help me decide what to do next. Thankyou very, very much for all your help so far

Thankyou both very kindly for your help

If I explain what has happened to the best of my recollection maybe you'll have a better picture. Nine years ago my then husband took out an unsecured personal loan for £3000 with the Royal Bank of Scotland. Although he applied for it we both signed for it, it was a cheque delivered by courier. I at the time didn't work because I'd just had a child. Months later he lost his job and in the end declared bankruptcy. As soon as he made them aware they piled the interest on and £3000 became £6000. They threatened him for a while but he passed everything onto his appointed Official Reciever? Anyway they then came after me, I explained I didn't work so they accepted a monthly token payment of which I've never missed. Every year they would ring and ask if I could pay more to which I replied my circumstances hadn't changed so no I couldn't. Then after sometime, I was divorced and in receipt of benefits only, the calls then became 6 monthly. I admit I was cowardly and just ended up not answering the phone so they would write letters saying to ring them because I needed a payment review. This is how it has carried on for the last few years. This time when I had to ring them I told them I couldn't afford to pay more. I'm currently paying £20.20 as was their last suggestion but they said it's not enough now and will have to fill out an expenditure form I asked if they sent me one out and their reply was, `You know what an expenditure form is don't you? Use your brain, fill one out, send it back to us and ring 2 weeks later to see what we have to say` That was 3 weeks ago and I still haven't sent one out. The payment of £20.20 is still ongoing.

It's Blair Oliver & Scott. It originates from an unsecured loan from Royal Bank of Scotland. I'm sorry to sound such a fool but I've no idea if they've ever been to a County Court. I would assume I'd have had a letter if they did?

I apologise if this has been covered but I've not come across it as yet. I've been asked by a debt collection agency to fill out an expenditure form. I'm unclear as to how much I can realistically put down for everything. I'm a lone parent on benefits and have been paying this debt for the last 9 years but now they are contacting me every 3 months and demanding I pay more so I told them I can't afford it and that's when they said I have to fill one out. I'd be grateful for any help. Thanks