Letter to Blair Oliver & Scott Blair Oliver & Scott PO Box 66 Rosyth Fife KY11 2WG I have recently received a letter from Halifax plc stating that my account has been passed to Blair Oliver & Scott and that any future procedure concerning my account I am to contact you. Please note that I consider the debt to be formally disputed and I have made the Halifax aware. I am currently in the process of resolving this matter and will contact the Halifax directly until the matter is resolved. What do you think?

Ok well i rang Blair Oliver & Scott for their address as halifax didn't include it in the letter and it seems that i'm not on the system yet. Nevermind, got the address and letter informing them of dispute will be posted monday. I HATE HALIFAX......LOL

CONGRATS.......putting my N1 form on monday.

thanks jonni2bad, i appreciate your help and advice

What stage are you upto, have you just sent the prelim letter or the lba?

Thanks Daz, are there any templates on here for this kind of letter as i am not much of a letter writer.

You should have opened a bank account before starting this, that is the advice given as if you don't then problems like this can occur. Have you tried TSB?

Hi, well unfortunately i can't help but maybe you should have a look at jonni2bad, his thread has some legal links and it may have some that you need.

Ok, i am just jinxed, not only having trouble with halifax and a default notice, but now my N1 form against Nationwide has been returned to me as I didn't sign the exemption form. Can you believe it, the guy checked the form and i asked if i had to sign it and he said no, saying that he did only look about 12. So now i am gonna have to go back to the court on monday to return the claim form and again wait, wait and wait some more for MY MONEY!!! Not a happy bunny! I have been checking my account recently as it is £23 overdrawn and so far I don't seem to have incurred anymore charges, which i am suprised at.

Ok letter received today from HBOS: Thank you for your letter dated 7th August 2006. The reason your account has been served with a default notice is that you are approx £265 over your overdraft limit and only £15.00 has been paid into the account since march 2006. Your account is now with our debt recovery agents Blair Oliver & Scott. please contact them on 0870 240 5138 for any information regarding future procedure. Please find enclosed a leaflet explaining our procedures. (Personal Customer Complaints leaflet). Should any of your concerns remain unresolved please let me know what you like me to do to put matters right (like I haven't told you already). We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the financial ombudsman. If I do not hear from you within the next 8 weeks I will assume you are satisfied with our response to you letter. Ok so they have fobbed off the s.10 and also my letter to their legal department. Anyone have any suggestions as to what is the next step?

ok well i sent the prelim off today, but altered one that i used for natiowide which didn't include the default section. Shall i just include it with the lba, as i have also sent them a s.10?

Hey jonni2bad, the amount of charges is £2749.50 (not including interest charges) by the date of the default. It seems that halifax have stopped all interest and charges since 31 July as I haven't had any charges since then.

Hi, there is a template for the particulars of claim in the template library, thats the one i used.

Hey jonni2bad, what do you mean by the level of charges?

Hi, what part of the N! form are you unsure about and the spread sheet with the 8% interest, well you just fill that in and it does it for you, it is interest on each seperate charge from the day the charge was debited.

Hi, jonni2bad, the letter i received is as follows, dated 26th July 2006: Default notice served under section 87(1) of the consumer credit act 1974. The terms and conditions of the account state:- "Unless we agree that you can do so, you must not use your account or allow anyone else to use it is this would make your account go overdrawn or go over your limit." You are in breach of that condition because, without our agreement, you have used your account or allowed someone else to use it so as to make your account go overdrawn or over your limit. To remedy the breach you must pay into your bank account the sum of £233.78 before 24th August 2006. I have a £740 overdraft on the account as its my student account

Hi ukwbg, yes after the lba letter the next step is the court claim, put mine in last week. As for payment, they may put it into the cashbuilder account but as the account your claiming on is closed then they may send a cheque.

hi, there is a rejection of offer letter in the template library and yes as far as i am aware you can ask for it to be paid in the form of a cheque. I will be asking for a cheque as i have an overdraft on one of my accounts.

you can claim the 8% interest on every charge and interest charge at the court claim stage.

the amount you have requested, then add the 8% interest as stated by the s.69. to calculate the 8% interest use the spreadsheet in the template section as it is complicated. As it is 8% for each charge since the day of the unfair charge.

claiming the interest charges shouldn't affect your claim, as i am only claiming part of the interest charges. to calculate the 8%, there is a spreadsheet in the templates section that calculates it for you as it is 8% for each charge since the day it was debited from the account, just input all the infromation in the spreadsheet and that does it for you.

yes, if the time limit stated in the letter has past and they have not replied, then go straight to the court stage.

what it is saying is that you are claiming back the charges, but you also claim back the interest charges the bank debits if the account goes overdrawn. You can only claim back the interest charges if the bank charges cause you to go overdrawn. The 8% interest is not added until the court stage I hope that helps

WOW, I have just read your thread from beginning to end and i am fasicinated, just hope i don't have to go through the same thing to get my default notice removed....lol.....i'm not sure i would know what i was doing. Can't wait for the next episode jonni2bad

Thanks jonni2bad. As it was a student account with an interest free overdraft i don't think that i was paying for any services, well not that i was aware anyway. Unfortunately I have no idea what the charges were for as it doesn't state this on the statements i received, so i am just going to try and claim all charges of £10 and above and the interest debited when the charges took me overdrawn. That alone still comes to about £3000, thats good enough for me. I see that you are having trouble with a default notice jonni2bad, i am having a problem too. Could you suggest as what i should do, i sent the s.10 letter and halifax replied with the letter shown above in a previous post. What should my next step be? Also should i mention the removal of the default notice in the prelim letter or not, if so how should i word this within the context of the prelim letter? Help please!!!!!