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Found 18 results

  1. Hi there! I sent a CCA in Dec 2013 to Blair Oliver Scott. They wrote to me afterwards (15th Jan 2014) which was more of a 'payment reminder' notice. They have been on my payplan DMP for several years. Outstanding around £1,500 To date they havent acknowledged my CCA, sent registered. After 2 months waiting, I took them off my DMP.. Now theyve sent me another reminder. I live abroad, out of the UK and EU, so it takes usually one month to recieve normal mail. The last reminder threatened 'further action' if payment not recieved. Any advice for the next steps grate
  2. Letter sent to Blair, Oliver & Scott (from Halifax credit card) requesting CCA. Will await their response. Halifax/BOS £3,960
  3. hi all can you help my brother has his halifax debt with bos and has been paying 1 pound a month to them for over 3 years he owes £15k and been paying rbs 1 pound month for 6 months he owes £1800 he is out of work and on benefits he hasnt a hope in hell of ever paying it off he is in council accomodation he is scared to look at his credit score he had missed 1 payment from each before he went to cab and they suggested he offered 1 a month so he s been paying that amount ever since he struggles with fms and depression and cannt found another job i want to
  4. Have an outstanding debt with Halifax for credit card, that was handed over to Blair Oliver Scott in 2009. Have been making regular payments and balance is reduced from £7,400 to currently £1529.72. I have had had problems with Blair Oli Scott contacting by tel while working away on business etc, and so stated last year that no telephone communications were acceptable and written comms only. This took 2 goes over 2 months to establish this and make sure it was recorded by collection team, I was annoyed and frustrated when in Nov this year I got 2 automated phone calls
  5. Can anyone advise please; I have been paying BOScott £26 per month since 2006. I get a letter from them on a fortnightly basis saying I'm one month in arrears (not) also they threaten to take payment from any money in my account even if it is my Husbands. I was made redundant, illness etc & till now have paid up BUT the letters never stop. I have sent a letter asking for details of the debt agreement as I had read on a previous thread. This morning I have received the usual letter Plus a letter from Bank of Scotland telling me they are trying to obtainthe o
  6. Had a loan with Sainsburys Bank taken out in 2009. In April last year my then partner became unemployed i contacted Sainsburys to inform them that i wouldn't be able to fulfill by contractual payments. I arranged a payment plan to pay them 3.85 per month, this was paid by standing order. I then changed this amount to 5 each month as they where still charging interest despite me asking them to stop so the amount i owed was increasing each month. Sometime between May and September (cant be sure of dates as due to the death of my dad, unemployment and a cheating pa
  7. Hi, I'm 2 months into my 6 month agreement with Halifax regarding my credit card (I have written confirmation). They agreed to my paying 5quid a month which will be reviewed once the 6 months has passed. I've made both payments on time. Last week a receive a letter from Blair et el (in house debt collectors of HBOS) asking me to call their offices to either make full payment or discuss my payment options and that if I don't call they may do a door step visit. I've done some research and have found a template warning against them doing the door step visit but
  8. Sorry guys but its me again with another one of our cards...... This one was originally Halifax and like my others we started having financial problems back in Jan 2010 and still are. I initially came to an arrangement with Halifax to pay £27 back in 2010 but then on 11/03/11 had a letter from Blair, Oliver & Scott and after speaking to them (silly I know now) I arranged to pay £105 pm which was way to much for us but we agreed out of fright. Now looking at my credit file I can see that the card defaulted on 22/02/2011. I continued with these payments up until jan this year
  9. Hi Guys, 1st post ever so please bear with!! In short, here's the situation : Was on a DMP until late last year when i finally payed them off. Whilst going over my credit report last night it came to light that Halifax/Blair Oliver & Scott (not sure yet which one) has registered the default in June 2008, way after i started the DMP in Aug 2007 but not only is the date incorrect but they have also registered the default to my current address BUT i did not move here until Dec 09.................. Firstly, i have been under the impression that the lender/agencies have
  10. Hi All, I'm new and just wanted to ask a bit of advice please? I had a Halifax Credit Card upto 2006 when I got into arrears to the tune of £5400. At the time I was in quite a mess as my father died and it was all quite a horrid situation and took me a long time to get myself back on my feet. Anyway, I got in touch with the debt collection side for the credit acrds and was told that my outstanding balance was £5400 and I agreed a re-payment plan of £70 per month which I have managed to stick to. All these years I have paid it back thinking - 2012 will be the year I am free. Only
  11. I have a mortgage with Halifax so I have to have a Halifax current account for the payments to go from. My mortgage payments are up to date (just about making them) but my Halifax card & loan are in default state. £9000 in total from x2 accounts. I've had a plan setup with BO&S for about 12 months now who I know are the inhouse team for Halifax. I've been paying £40 per month on each one. Two months we couldnt meet these figures and dropped it to £5.00 per account, we have tried writing to them, even speaking on the phone but they refuse to except th
  12. Firstly, apologies if I've picked the wrong sub-forum! Living in Scotland, I thought this would be the appropriate place in absence of a Sainsbury's sub-forum. My mother passed away recently and has a credit card with a small balance (under £400) remaining to be sorted out. We contacted Sainsburys at the start of December to notify them and were told that the 'Bereavement Team' would be in touch. It's been over a week now and we've heard nothing. Concerned, we give Sainsburys a call today to find we're automatically transferred to Blair, Oliver & Scott - a debt collector.
  13. Hi to everyone, i hope i have posted in the correct area ! I had a halifax credit card which i have defaulted on , due to being off work for 6 months and 2 operations, we have been surviving on SSP and tax credits . I sent them a letter explaining my situation with an expenditure form and an offer of £10 a month till things get better . It was sent recorded delivery and was delivered okay ( i still have proof ) i recieved no reply . I have been paying £10 every month but it was given to Blair Oliver and Scott ,their in house dept , although i have now recieved 2
  14. In Spetember 2012 the Halifax agreed to £1.00 a month payment for 6 months on my £6120 outstanding credit card balance, to be reviewed in March 2013. I have the letter from them that states this. I set up the £1.00 a month before they agreed and it has been going out monthly ever since. Last week I received a letter from the Halifax to say they had passed my account onto Wescot for collection. I then received a letter from Wescot to say they were now collecting the debt. I've tried to find out why my debt has been passed on to them as I have not broken the agreement. Blair Oliver sa
  15. Hi Just need a bit of advice, I have a debt (originaly IF) that I was payin through Blair Oliver Scott. I have been paying for around 5 years through Payplan, on some of their letters at the start of the year I noticed they had my balance around £400 more than mine and this was the figure payplan were using. they said the had to go by what Blair Oliver was telling them. Anyway acording to my figures im all clear, I sent Blair Oliver a letter saying Account in Dispute and asking for a statement as the figures dont match up. This was May of this year, and I heard nothing at all, not e
  16. Hi everyone, i hope i have posted in the correct area ! I really need some direction a credit card debt i have with the HALIFAX , the card was taken out early 2011 the current balance is £2300 , i was unlucky enough to have an operation last year and had 3 months off surviving on SSP and tax credits ,the same happened this year again another 3 months off work. I got behind with this card and a default was issued , i wrote to the Halifax with a budget sheet with all my financial commitments and offered them £10 a month as a goodwill gesture untill i got ack off t
  17. A big thank you to everyone on this site for giving so generously & freely of their time & knowledge. It is invaluable, and has helped me to go from a position of being helpless & hopeless to one of having a lot of control over my financial position. They say knowledge is power and that is certainly true where debts & creditors are concerned. I hope my request for assistance below is not going stretch your generosity too far:-) I need some help with Blair, Oliver Scott (BOS) (Bank of Scotland DCA). My questions are at the end of my preamble. Here is
  18. Dear all, I'm after a bit of advice on whether my debt to Halifax is enforceable. The story so far in a nutshell. I got into trouble about 5 years ago with about £45k plus of debt, so I entered a DMP with a reputable company who were very good. Shortly after doing so, I lost my job altogether forcing me into a temporary arrangement which consisted of me paying a token amount to each creditor each month until my situation improved. 1 Year later I took a job at half my original wage, so I'm still unable to make any meaningful payment. This went on for a further year and a ha
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