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About Me


Found 12 results

  1. I am moving house shortly and in the process of clearing out and sending a lot of items to charity or skip. I have a lot of correspondence from the financial institutions as I am now reluctant to throw anything out. In a prior life, I ignored correspondence from the banks, partly due to the scale of financial problems I had several years ago, which are now thankfully resolved. CAG gave me the courage to turn things around. Any way, came across a personal loan agreement from 4 June 2003 for a consolidation/ reschedule personal loan agreement with bank of Scotland. Details are: Ad
  2. hi all am just new to this forum dont know who else to turn to i am 30 years old and from glasgow scotland i have been a - halifax personal customer 25 years bank of scotland business customer 6 years the story so far (27 days no access to funds) 3rd december 2013 block put on my halifax personal and bank of scotland business account 5th december went to pay for fuel at petrol station both cards didnt work. 6th december went to local branch they informed me accounts is blocked contacted complaints informed me that i would receive a letter in the post they could
  3. Hello everybody! I have an issue with Bank of Scotland regarding an account that I have opened with them. They have blocked theaccount and are refusing to return the 8000GBP that I have in it. The account was opened for myself as self employed. After 9 months since opening it was closed without explanation by BoS. This happened 2 years ago. Since then, they have refused any communication with me and to this date the reason of the closure of this account is unknown to me. I have contacted the Financial Ombudsman Service and after their investigation they have concluded that I need to
  4. * Can you help please. I am looking for advice on behalf of my partner. He was diagnosed with a brain tumour back in 2009 and doesn’t need the added stress of dealing with debt so I have been managing it for him. He has various debts which were originally with the Bank of Scotland. They were passed on to Blair Oliver Scott when he failed to make his payments. When he was in hospital for 5 months I was able to set up direct debits for him and now he has made serious dents in what he owes. He has three debts to Blair Oliver Scott which he is paying monthly.
  5. ]Hi guys, This is my first post on here so please be kind. I defaulted on a Mint card way back in June 2007 for £4,500. At that time I was in dispute and refused to pay monthly payments until this was sorted. I then heard NOTHING for five years and for the first 18 months of that the debt appeared on my Credit Expert file as an ongoing 3 ball. last year however, I received a letter from the dreaded Arrow Global who informed me they had 'bought' the debt from Mint. I asked a barrister who informed me that selling a debt is unlawful, but non the less they are still taking people to cou
  6. Hello All, I have recently started "clearing up" all my financial arrangements and am slowly receiving my CCA and SAR requests that I had sent after reading the threads on here. I have received a CCA today from The Capital Bank after duly sending them my £1 fee. The response is clearly marked "No PPI", so I presume that they were able to "find" my agreement, I wonder if they would have if it did have PPI on there!!! The agreement is dated April 1999 and shows an "Administration Fee" of £55. I have long since paid the loan off but is this something that was legimately and le
  7. Last year i recieved SAR from AA loan i had it was with RBS i sent off letter asking for ppi payments back and recieved rejection letter i pointed out my pre existing medical conditions and the fact i was not asked if i had any and got letter back stating i was affected to some extent by the exclusions of my ppi policy however the extent of the affect means that there was no impact on the suitability of the ppi policy so they would not uphold my complaint. As this was there final response i decided to file a court action on MCOL i filled in brief description of claim and was surprised to get
  8. I'm in Scotland, I suppose I should get that part out of the way. I had a BoS credit card (opened the account in 2001), which had a balance of £ 8,246. I was no longer able to pay the monthly bill (due to loss of my job because of long-term ill-health) and, stupidly, stuck my head in the sand. (I should also point out that over and above this credit card I had been, and continue to be, a Bank Of Scotland customer, with both a saving account (that's a joke lol) and a current account. The default date was June 2007, and a decree was granted at the local Sheriff Court on 8th January
  9. Hi there, I have already posted about a few other debts my other half has on other threads, not sure I have done this correctly. He has a Northern Rock loan which I believe he took out in 2004 alongside his mortgage, it was before we were together. I got him to write and as for a copy of the original agreement which they have sent. I find it unbelievable the interest rate that he is paying. It looks like he took out an unsecured loan of £22,498.00 with an APR of 7.1%. He has since sold his flat and paid off the mortgage with the sale. But the loan states that i
  10. In 2007 i took out a hired purchase agreement on a car from Bank of Scotland. I am in my final year of the agreement with only four months left before i have to pay final balance. The strange thing is four months ago they stopped taking payment from me (I have a standing order set up). A few months ago i recieved a letter from Bank of Scotland stating they have transferred this agreement to Lloyds but all payment details will stay the same. Fair enough i thought! Last week i recieved another letter stating that the agreement has now been transfered to Lex Autolease, which is also part of Lloyd
  11. I would like to hear from all those who have had banking fees taken from HBOS. we need to stand together and fight this
  12. Hi, We had a vehicle on a 2 year contract hire between 2006-08, all sums due under this agreement were paid, save excess mileage, rectification etc. However at the end of the hire period we retained the car and called the company to request an extension quote. We heard nothing for six months and called back to be told we would receive a quote etc. At no time was the vehicle requested back or un-lawfully witheld. Just over a year later we received a letter requesting the vehicle to which we complied and it was picked up. We then received invoices for the full years rental a
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