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  1. repA_09626739_513-061645-13519104_1.pdfAnyone have any experience with this company? Company Number: 09626739 Date of Incorporation:06/06/2015 Company Name: ASSURED SUPPORT LTD Registered Ofce: SUITE 10 THE GLOBE CENTRE ST JAMES SQUARE ACCRINGTON LANCASHIRE ENGLAND BB5 0RE Company Type: Private Limited Company Country of Origin: United Kingdom Status: Active Nature Of Business (SIC): 82990 - Other business support service activities Seems to have been involved in a string of companies - about 19 of them - almost all of which were dissolved after a very short time. https://www.endole.co.uk/profile/8731695/oliver-richard-tennant Also often with Helen Lousie Wood https://www.endole.co.uk/profile/15177342/helen-lousie-wood Lots of overdue accounts and returns At least one outstanding charge - https://www.endole.co.uk/company/08912889/assured-nw-ltd?page=charges
  2. JAMIE OLIVER is imposing his own levy on sweet drinks sold in his restaurants in protest at the government’s refusal to introduce a “sugar tax”. Oliver, the celebrity chef and restaurateur, will add a 10p charge to every drink with added sugar in an attempt to highlight the dangers of too much sugar, as well as sending a message to government to take urgent action on childhood obesity. He's thought up a way of making extra profit on the backs of kids. If he was really that concerned, he would stop selling sugary drinks altogether. Will you fall for this and pay extra ? I wouldn't even step inside one of his rip-off restaurants, £11 for beans on toast.
  3. 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 gratefully recieved!
  4. Letter sent to Blair, Oliver & Scott (from Halifax credit card) requesting CCA. Will await their response. Halifax/BOS £3,960
  5. 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 know if these debt s would ever be wrote off? as he could never pay it off and will his credit score be bad? will they continue to accept 1 month amounts forever? regards bill
  6. 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 from collections team, the first I just shouted at the Bangalore calle centre person to 'read your records' , the second I asked to be put through to call centre supervisor, waited 5 mins nothing called them back and made a complaint about the harassment and debt collection guideline breaches being made by Blair Oliver Scott on behalf of Halifax. I also complained about the costs incurred by me on mobile phone charges to a 0845 number to make a complaint, for this I received a cheque from Halifax Retail Collections Chester for £40 5 days later () to reimburse me on call charges. I then received a letter dated 25th Nov 2013 with a name change from Blair Oliver Scott ( a wholly owned subsidary of BOS PLC) to Halifax Retail Recoveries (same address in Rosyth/ Fife) quoting the same reference number and CC account number they have used all along, so things seem to tie up there. (Thought this would have been in response to the previous problems Bl Ol Sc and HBOS have had with a dormant company with no accounts published) I then sent a letter with £1 SO for a CCA to Blair Oliver Scott dated 26th November only quoting the reference number they have used for past 4 1/2 years with my name and address. I also sent a seperate letter of complaint dated 26th Nov advising them of their breaches in OFT debt collections guidelines and that any further phone calls made to me would constitute harassment and would be reported to the police and OFT and a copy of this letter would be accompanying my complaint to trading standards and OFT. Onto replies, I received a letter from Claire Ellis in Halifax Customer services in Leeds dated 10th Dec thanking me for my recent enquiry and they are sorry to learn I'm unhappy with them. Then promising a reply as soon as possible but certainly within 8 weeks and accompanying leaflet about how to complain with the Halifax. CCA Reply exactly as written from Halifax Card Services Dunfermline Fife dated 5th Dec Dear Mr Xxxxxx I refer to your attached letter You have not provided a valid account number and I cannot trace your account with the details provided. Once you have provided us with a valid 16 digit account number, we will be able to assist you with your enquiry. If you are unable to provide to provide to us this, please supply us with as much information as possible such as full address details any change of name date of birth date account opened Please be aware that section 78 only applies during the lifetime of an agreement. If your account has been closed and paid in full, then there would no longer be a regulated agreement between us. In view of the above, we would unable to provide you with the documentation as requested Yours sincerely Pam Heslop Head of Card Operations As the CCA contained my name and home address and the reference Blair Oliver Scott have used for the past 4 years +, surely this person could quite easily have found my details very easily or is that letter saying they have insufficient data collection and storage procedures within the company. wonder if the ICO would be interested in that ? Only other alternative thought is that Halifax (BOS) are just time wasting ? hindering or delaying a request ? What Steps should I take now apart from including my CC number in reply and should I now only make letters for the attention of Pam Heslop? I thought I read somewhere that she be made responsible if they fail to deliver the said details if I decide to pursue anything with them. As the debt has not been paid in full and is still on my CRA report, surely there is an agreement between myself and the Halifax Any advice welcome, knowing that the Halifax love to crush anyone complaining about them, wishing to take them on and also that I still have a current account with them so they could by rights remove money from it to recover debt on card.
  7. 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 original CCA docs but if that if I'm using a claims Mgt Co. they have quoted a warning issued by OFT re 'even if an agreement was to become unenforceable customers will sill owe any outstanding balance to the lender' etc they cannot have it both ways, who do I owe Halifax or Blair Oliver Scott? I have put up with phone calls, letters etc since 2006 & have letters from Bank of Scot. apologising for any harrasment. I give up!!!
  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 when we realised that we had become more and more overdrawn at the bank and finally sat down and really took a long look at our I & E and realised that there's just nothing coming in to pay these creditors but we can just about manage to pay all our priority bills. On 16/01/13 I wrote to B,O&S and sent them an I & E form and asked them to write the debt off as we just can't pay any more. Response back on 22/01/2013 saying they can't accept nil payment asking me to contact them on the number but I had already requested all correspondance be in writing as because we have so many creditors it really made me ill in 2010 trying to speak to them. I sent another letter 31/03/13 stating again that we just have no spare money and listed all my other creditors and once again asking them to write it off. 05/02/2013 I had a really nasty letter from B,O&S saying "you have failed to respond to our requests for full payment of the balance and you have not contacted this office with acceptable repayment proposals" .... then went on about further action etc but I HAD been in touch with them. They then rung me on 11/02/2013 and I explained I wanted to deal with it all i writing and they advised me get in touch step change etc. 05/03/2013 I sent of a request for the CCA and breakdown of account to B,O&S. This was signed for on 11/03/2013. 15/03/2013 I had another call and I just said that I want to deal in writing and that I had sent another letter. Now for the scary parts ... yesterday I had two letters waiting for me when I got home:- One from B,O&S dated 13th MArch (yeserday was 20th but I have kept the envelope) and this is a Notice of Intended Court Action..saying I could have a charging order put on my home etc. Another from Halifax themselves sending a reconstituted copy of my agreement and is really quite nasty. I think Halifax have sent a letter intended for when a third party is dealing with the matter but I have scanned and attached all the letters. There was also two sets of typed out terms etc one is a duplicate of the scanned form and the other is an up to date version. Now I've been full of bravado starting my campaign to try and sort my and my families life out once and for all but these really scare me.... Please Please can some of you experts on here help me in the right direction x
  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 between 3 & 6 months to register a default? Secondly, i didnt live at my address when they registered the default so is it likely that they have gone in and input info after the actual time frame? As both sets of information are entirely inaccurate, is there anything i can do or would be likely at succeeding?! i know what these guys are like..... I have spoken to Experian today and they can shed no light. Can anyone help.......................PLEASE!!!! I will be very grateful for any feedback
  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 it seems not. I called Blair Scott Oliver today to ask for a statement as I have never received one from them - they say they have had post returned from my address which I don't think is true as I have never had problems with post at this address. They then gave me the shock of my life by saying I still owed over £1000 and that my outstanding balance had actuall been something like £6200 (I don't remember the exact figure as I was in shock). They then said they wanted me to pay £80 per month. I refused as a). I don't believe I owe that much at all and b). I simply couldn't afford even if I did. I pointed out the amount I was told I owed at the time of agreeing a repayment and also that that same figure was in black and white as my credit limit when I checked on the internet banking. I said I wanted a statement and letters from the time and they told me the bank doesn't hold info going back that far and they might have to write me a letter about the figures. I said this wasn't acceptable as anyone can make up figures in a letter and I wanted proof as to how the £5400 I had been told at the time shot up over another £1000 for no apparent reason They have apparently sent a request to the bank for some explaination but didn't seem too hopeful that I would get one. I am truly gutted. I have taken a screen shot of my internet banking page which clearly shows the credit limit on the card. They also said the person I spoke to at the time wouldn't have upto date information? How could it be out of date by over £1000 when I was not even using the card at the time and hadn't for quite some time. I also no longer have my paperwork as it was lost when moving 4 years ago. I don't know what else to say......I am devastated. I was so happy this morning thinking it was nearly all gone and now this. If anyone has any advice or been in a similar situation I would be very grateful. Thank you
  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 the new figures and keep sending us arrears letters. my question is this. Both accounts are unsecured, a card and loan but they are now sending FINAL NOTICE letters, pay the arrears or court action. Also says about being a homeowner and a charging order on your home with the balance repaid once the house is sold. Now, I know they are effectively Halifax but can they do this on a card & loan account? I'm sure they are unsecured.. Thanks in advance
  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. What appears to have happened is we've notified Sainsburys, they've done absolutely nothing and now since the bill wasn't paid (only just overdue today, which adds insult to injury), they've passed my mother's account to debt recovery. Disgusting behaviour. I'm trying to find out what my next steps are or should be. I have received a number for this 'Bereavement Team' and plan on giving them a call tomorrow however I'm really concerned with the poor manner in which they've handled the situation. It doesn't inspire confidence in resolving this with them. When speaking to Blair, Oliver & Scott; they refused to discuss due to DPA (believe technically this doesn't apply however can accept companies exercise some caution), refused to send the debt back to Sainsburys and refused to confirm they wouldn't send any debt chasers out. Just pointed me back to Sainsburys. I'm trying to understand what I should expect from Sainburys. At this point, I'm concerned that they'll try and lump 'late fees' and interest onto the account however I'd appreciate any advice that can be offered in regards to the legalities around paying back an unsecured debt and steps I should take to ensure Blair, Oliver & Scott (or any other third party) don't have access to or are permitted to contact us in relation to this account - it would cause further distress to my father/family and I want to ensure this doesn't occur. All advice welcome.
  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 letters from a firm named Wescot and a letter from BLAIR stating that the debt has now been TRANSFERED ! to Wescot . Can anyone put my mind at rest , i get daily phone calls , mobile/landline which i ignore but its making me a nervous wreck !!!!! Has this debt been passed to Wescot because there is no original paperwork ? Is it a fair bet that this debt wont be enforcable in a court of law ? Are they just trying to collect the debt and have bought it from the Halifax ? If any one can give me some sound advice i would be grateful. TIM
  14. 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 even chasing letters due to the payments stoping. Today I got a letter from Halifax saying Robinson Way are now going to be dealing with it, so I will be expecting a few letters from them shortly. So I just need to know what should I do from here, contact Halifax again or wait and contact Robinson Way? I had always thought your account couldnt be passed on when it was in dispute? Hope someone can help.
  15. 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 the floor. I know they recieved the letter but they never replied so i rang them and i was told to just keep paying the £10 a month. Since then i have been recieving daily phone calls ,mobile /landline and have had a load of letters from BLAIR ,OLIVER AND SCOTT , the latest one demands the whole amount by 8/10/12 or notice of intended court action BLAH BLAH BLAH etc etc . Firstly who are these people ? have they bought the debt ? or are they Halifax (other dept). I have been continuing to pay £10 a month but i am starting to wonder why i am bothering ! ANY help would be fantastic TIM.
  16. 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 a brief background to the situation: 2010 lost my job, Owed £20K on five credit cards. Continued with payments on the cards using redundancy money and pension Income thinking I would get another job (I was 63 at the time, now 65). I didn’t and ended up in a financial mess. Took advice from National Debtline, scoured this forum for user experiences and then Set up a DMP with CCCS. Started July 2011, creditors agreed and also agreed not to add interest or charges to the accounts. Everything was fine until Halifax (Bank of Scotland) passed the debt to BOS. At first they agreed the DMP but then began to send the usual ‘ThreatO’grams’ , coupled with 2 or 3 phone calls per day. I ignored them and sent the Standard anti-harassment letter from the forum library. This had some effect but I was concerned about the threats of court action., so I decided to take some action to limit the possibility. NOTE: I am still running the DMP and I intend to continue doing so. No other creditor has caused me hassle, and so I was reasonably confident that BOS would not go to court under the circumstances. The DMP is fully in accordance with the Common Financial Statement used by the courts, and administered by CCCS , who are respected in the Industry. However, just in case, I wanted a solid defence (defences) of some sort. I was sure they would not be able to supply the original agreement with Halifax due to the way it was initially set up in March 2007, so I sent a CCA request with a postal order for £1 (which they used as a payment against the debt !). My thinking was that I might be able to put the debt into dispute and prevent any future judgement, whilst still behaving reasonably myself and thereby showing BOS as being unreasonable if they later went to court. Today I received a reply, posted two days after the prescribed period time limit expired, enclosing a reconstituted agreement which is materially different in a number of ways from the original, they did not include a statement of account as requested and did not include other documentation which I think they should have. Questions:- 1) If the reconstituted agreement is materially different from the original then they have not complied with S78 Correct ?? (I can post all documents on-line if you want me to??) 2) Problem is, how do I use that to my advantage because to do so would mean admitting I have the original. 3) As they have not sent a statement of account does that by itself, put them in a non-compliant S78 position?? 4) Also the OFT guidelines state in relation to the CCA:- ‘Where an agreement has been varied in accordance with section 82(1) of the Act, the OFT considers that, by virtue of Regulation 7 of the Copies of Documents Regulations, the duty is to provide not only a copy of the agreement as originally executed but also either a copy of the latest variation given in accordance with section 82(1) of the Act relating to each discrete term of the agreement which has been varied, or a clear statement of the terms of the agreement as varied in accordance with section 82(1) of the Act. 2.28 Although some creditors have apparently considered it is sufficient to provide a copy of the current terms and conditions (that is, 'a statement of the terms of the agreement as varied'), that does not comply with the requirements of Regulation 7. In Carey v HSBC Bank plc, there was detailed analysis of this issue and it was confirmed that 'include' meant that the documents showing the variations were to be supplied in addition to a copy of the original agreement.’ Halifax only included a copy of their current terms & conditions but there have been several variations of the original agreement. How do I use that omission without falling foul of the problem I raised in question 2 ?? 5) Would you agree that a DPA section 10/12 request is valid in a dispute scenario ? 6) Problem is, I want to make a SAR and the above action would make that hard? 7) If I could legitimately now place the account into dispute, how long do they have to comply with the CCA S78 before they commit offences under other Acts and compound their problems. (e.g. CPUTR ) 8) If at the end of the day I cannot dispute the account, and ‘if’ they ever go to court, can I use the Civil Procedures Rules 4.6, pre-action disclosure ? Is it still the case that BOS would have to produce the Original agreement and not a reconstituted agreement as per CCA S78(1) ? Thanks in anticipation. I have another subject to raise about Blair Oliver Scott but I am not sure where to post it. It is regarding Accounting anomalies & possible trading violations, where would you suggest?
  17. 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 half. Until.......a very good friend of mine inherited some cash and very kindly offered to pay off a fixed amount of up to 25% to clear my debt. I will have to repay them but not immediately, so I can get back on my feet. Cut a long story short, my other creditors agreed to settle for between 25% and 30%. Blair Oliver & Scott stuck by a "Never less than 50%" policy. My friend can't stretch that far. I don't blame her, I am very grateful for what she has done thus far. I decided to send them a CCA letter and this is what I initially got back (names obscured etc). BOS Current CCA.pdf Halifax Reconstituted CCA.pdf Halifax Letter 1.pdf
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