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    • Shein has been linked to unethical business practices, including forced labour allegations.View the full article
    • Hi I have to agree with @unclebulgaria67 post#3 For the funding side of moving to a new area and it being private supported accommodation I would also suggest speaking to private supported accommodation provider about funding but also contact the Local Council for that area and have a chat with them about funding because if you are in receipt of Housing Benefit certain Supported Accommodation that meets a certain criteria is treated as ‘exempt accommodation’ for Housing Benefit purposes but you need to confirm this with that relevant Council in your new area especially since it is Private Supported Accommodation as each Council can have slightly different rules on this. If you have a certain medical condition look up the charities and also have a wee chat with them as they may be able to point you to different Grants to assist with moving costs and your question about funding for private supported accommodation as well.
    • Hi Just to be clear a Notice to Quit is only the very start of the Housing Association going down the Eviction route there is a long process to go. Also to be clear if you leave at the Notice to Quit date only and go to the Council claiming you are Homeless they will more than likely class you as Intentionally Homeless therefore you have no right to be given temporary housing by the Council. The only way that works is when the Court has Granted a Possession Order then you can approach the Council as Homeless with the Court Order. As for the Housing Association issuing the Notice to Quit because there investigation has proved it's not your main residence but you have witness statement to prove otherwise. From now on with the Housing Association you need to keep a very good paper trail and ensure to get free proof of posting from the post office with anything you send to them. You now need to make a Formal Complaint to the Housing Association and please amend the following to suit your needs:   Dear Sir/Madam FORMAL COMPLAINT Reference: Notice to Quit Letter Dated XX/XX/2024, Hand Delivered on XX/XX/2024 I note in your letter that you stated that the Housing Association has carried out an investigation into myself and came to the conclusion that I am not using this property as my main residence and have evidence of this and have therefore issued a 'Notice to Quit' by XX/XX/2024. I find the above actions absolutely disgraceful action by the Housing Association. 1. Why have I never been informed nor asked about this matter by my Housing Officer. 2. Why have I never been given the opportunity to defend myself before the Housing Association out of the blue Hand Delivered a Notice to Quit Letter. 3. I have evidence and witnesses/statements that prove this is my Main Residence and more than willing provide this to both the Housing Association and the Court. I now require the following: 1. Copy of your Complaints Policy (not the leaflet) 2. Copy of your Customer Care Charter (not the leaflet) 3. Copies of your Investigation into this not being my main residence.    As well as the above you need to send the Housing Association urgently a Subject Access Request (SAR) requesting 'ALL DATA' that simple phrase covers whatever format they hold that in whether it be letters, email, recorded calls etc. The Housing Association then has 30 calendar days to respond but that time limit only starts once they acknowledge your SAR Request. If they fail to respond within that time limit its then off with a complaint to the Information Commissioners Office (ICO).     
    • Hi Sorry for the delay in getting back to you The email excuse and I do say excuse to add to your account and if court decide LL can't recoup costs will be removed is a joke. So I would Ask them: Ask them to provide you with the exact terms within your Tenancy Agreement that allows them to add these Court Fees to your Account before it has been decided in Court by a Judge. Until the above is answered you require these Court Fees to be removed from your Account (Note: I will all be down to your Tenancy Agreement so have a good look through it to see what if any fees they can add to your account in these circumstances)
    • Thank you for your responses. As requested, some more detail. Please forgive, I'm writing this on my phone which always makes for less than perfect grammar. My Dad tries but English not his 1st language, i'm born and bred in England, a qualified accountant and i often help him with his admin. On this occasion I helped my dad put in his renewal driving licence application around 6 weeks before expiry and with it the disclosure of his sleep apnoea. Once the licence expired I told him to get in touch with his GP, because the DVLA were offering only radio silence at that time (excuses of backlogs When I called to chase up). The GP charged £30 for an opinion letter on his ability to drive based on his medical history- at the time I didn't take a copy of the letter, but I am hoping this will be key evidence that we can rely on as to why s88 applies because in the GP opinion they saw no reason he couldn't drive i need to see the letter again as im going only on memory- we forwarded the letter in a chase up / complaint to the DVLA.  In December, everything went quiet RE the sleep apnoea (i presume his GP had given assurance) but the DVLA noticed there had been a 2nd medical issue in the past, when my father suffered a one off mini stroke 3 years prior. That condition had long been resolved via an operation (on his brain of all places, it was a scary time, but he came through unscathed) and he's never had an issue since. We were able to respond to that query very promptly (within the 14 days) and the next communication was the licence being granted 2 months later. DVLA have been very slow in responding every step of the way.  I realise by not disclosing the mini stroke at the time, and again on renewal (had I known I'd have encouraged it) he was potentially committing an offence, however that is not relevant to the current charge being levied, which is that he was unable to rely on s88 because of a current medical issue (not one that had been resolved). I could be wrong, I'm not a legal expert! The letter is a summons I believe because its a speeding offence (59 in a temp roadworks 50 limit on the A1, ironically whist driving up to visit me). We pleaded guilty to the speeding but not guilty to the s87.  DVLA always confirmed to me on the phone that the licence had not been revoked and that he "May" be able to continue to drive. They also confirmed in writing, but the letter explains the DVLA offer no opinion on the matter and that its up to the driver to seek legal advice. I'll take the advice to contact DVLA medical group. I'm going to contact the GP to make sure they received the SAR request for data, and make it clear we need to see a copy of the opinion letter. In terms of whether to continue to fight this, or to continue with the defence, do we have any idea of the potential consequences of either option? Thanks all
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Blair Oliver & Scott


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Just as a matter of interest sent of my £1 postal order today to Blair Oliver & Scott regarding a loan originally take out with Paramount Bank, who was taken over by Halifax who were taken over by HBOS. I'll keep you posted.

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Look forward to it.:)

The Consumer Action Group is a free help site.

Should you be offered help that requires payment please report it to site team.

Advice & opinions given by Caro are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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No reply from Blair Oliver & Scott yet!

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Share on other sites

Still no reply, default applicable as Thursday at the latest

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

Well I suppose that's it times up!

 

I've stopped my standing order, do I just sit back and wait, or send them a letter of default?

 

Being really naughty perhaps I should wait a week or so and post the deafult notice just before the months deadline!

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

I apologise for PM ing those of you I have, I’m new to this and any other forum, so please be patient.

I suppose that the opening of this thread is rather vague and almost glib, and on reflection perhaps I should have been a little bit more professional on the starting blocks. However, this site has given me so much information and indeed, courage to face up to people and institutions that have made my life and those of my family such a s**t over the last few years. I was almost euphoric when I started driving to get back what is rightfully mine.

Like the vast majority or users and readers of this site, I’m sure that my story is much the same as everyone else’s. But like everyone else my story is very personal and full of hurt, illness and debt.

I blame two camps for getting me into such a mess that I didn’t know what to do. The main camp was me for being such a prat as to get into debt in the first place. The second camp consisted of the financial institutions that gave and continued to do so until I contacted the CCCS for help.

When those two camps are in balance everything is hunky dory. But when illness, and loss of earnings raise their ugly head the relationship soon becomes unbalanced. I can hear the banking industry say that you can insure yourself against that with sickness insurance. Well you can’t if you have a predisposing condition as I have.

When the balance started tipping the vultures started circling, some were very nice. RMA Resolve (American Xpress) were nice. Mercers and Credit Solutions (Barclaycard) were absolute b******s. I had every colour of the rainbow in between.

So why have I chosen to start off with Blair Oliver & Scott. Well a loan was taken out to consolidate cards with Paramount Bank. They got taken over by Halifax, who turned into HBOS. I was defaulted in October/November 2003 after starting to pay the creditor about £12 per month after taking the advice of the CCCS.

The account was taken over by Blair et al in early 2004, and I’ve been paying £270 per month ever since.

Am I trying to get out of paying off the debt, well no, not really. I have been hounded, blamed and threatened so much over the last few years that I’ve just about had enough. If they have got all the paperwork correct then that’s fine we’ll see the payment scheme through to completion. If not then, I’m sorry they can go and throw themselves off the dockside at Rosyth.

Sorry if this sounds bitter, but it feels a lot better getting it off my chest.

Regards

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Share on other sites

  • 2 weeks later...

Thats it big time now.

 

I haven't heard a dicky bird from Blair et al. I know it was recieved by them because the Post Office recorded delivery service says so. It was accepted on the 27th June 2006 by a ***** ***** who works for 'HBOS' - it says so on the report sheet I had from the Post Office. So I'm writing a complaint to the OFT and trading standards.

 

My gut feeling is they haven't got the paperwork to back up the repayment scheme. That said the payments that have been made have been collected unlawfully should I claim them back?

 

Should I write to them before I cotact the OFT or should I just do it?

 

Any advice greatly appreciated.

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Share on other sites

Hi Mike

 

there is an enormous thead in http://www.consumeractiongroup.co.uk/forum/general/3525-debt-collection-agencies.html

 

dealing with CCA requests and loan paperwork etc give it a look at

 

Dave

** We would not seek a battle as we are, yet as we are, we say we will not shun it. (Henry V) **

 

see you stand like greyhounds in the slips,

Straining upon the start. The game's afoot:

Follow your spirit; and, upon this charge

Cry 'God for Harry! England and Saint George!'

:D If you think I have helped, informed, or amused you do the clickey scaley thing !! :D

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  • 2 months later...

Cheers mate, things are moving forward and when the matter is closed I will post it's history.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

No fax number at all I have even sent a letter by recorded delivery to their company secretary at the companies registered address only to have it returned as 'addressee gone away'. Very secretive company therefore.

 

No just send stuff to their PO box number in Rosyth, once delivered it's considered to be served.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

Oh they exist alright, company address and everything

Name & Registered Office:

BLAIR, OLIVER AND SCOTT LIMITED

8 NORTH BANK STREET

EDINBURGH

EH1 2LP

Company No. SC133457

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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Share on other sites

not necessarily......8 would probably be across the road from 7/9, but is is a bit close, isnt it?

 

j

1/9/06 RBS claim #1

8/11/06 - claim settled

17/11 claim #2 started - incl creditcard

30/11 - CC statements received

31/11 - Prelims issued - RBS paying up, only M/C to go)

 

If any of my advice/ info has been helpful, please click the scales:D

 

Please also remember that any advice is given from my own experience and in good faith as a lay person. If in doubt, please contact a qualified professional:)

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  • 3 weeks later...

Bump

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

  • 1 month later...

Reported Blair et al a couple of weeks ago for infringing my consumer rights and the OFTs guidlines on debt collection. Had a letter from the OFT today, they are going to investigate them, after I provided them with my history!

 

Wow! I know it doesn't sound much to those who have complained to the oFT before, but I provided them with all the letters that I had sent to Blair et al since June and the times of contact by telephone and the lack of replies from them, and I must admit that the letter was all that I would expect at this point.

 

Watch this space!

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

  • 3 weeks later...

Dear All,

 

After a flurry of letters from Blair Oliver & Scott threatening me with Court Action and reminders over the week before Christmas and the odd phone call. I've had a letter today writing off the whole amount and apologising for the 'inconvenience'. They've written off over £2500, which equates to the interest applied to a loan they have not been able to prove existed.

 

I will post the full time line in a future post but I'll pm a mod to see how best to put pen to paper.

 

I've won, and can now start to put my life back on track. Only two more extant accounts to deal with.

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

Link to post
Share on other sites

  • 4 weeks later...

Hi, I just came across your threads while searching Blair, Oliver and Scott. This is a first time thing for me, so bear with me! BOS have been on my back for almost a year now. They are looking for an outstanding debt from the Bank of Scotland. What I can't seem to get through to them is that the Bank of Scotland credit card they are chasing was taken over by MBNA in February 2006 and I pay MBNA for this. I've sent them proof, I've spoken to the Bank of Scotland (who incidentally are reluctant to talk to me and have no record of MBNA taking over the card). This was the Bank of Scotlands choice not mine. They sold the card on to MBNA. However, BOS are getting threatening and have now passed me on to a company I think called Legal and Trade to collect the debt. I've written to MBNA to ask them to clarify to BOS that they took over the debt but they just confirm that they have. Has anyone else had this kind of problem. It seems like I'm banging my head against a brick wall and no matter how much correspondence goes on, they're not taking it in. Any advice?? Thanks

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Dear All,

 

After a flurry of letters from Blair Oliver & Scott threatening me with Court Action and reminders over the week before Christmas and the odd phone call. I've had a letter today writing off the whole amount and apologising for the 'inconvenience'. They've written off over £2500, which equates to the interest applied to a loan they have not been able to prove existed.

 

I will post the full time line in a future post but I'll pm a mod to see how best to put pen to paper.

 

I've won, and can now start to put my life back on track. Only two more extant accounts to deal with.

 

Mike

 

Hi Mike

 

This thread is of enormous interest to me - see my thread on the IF (Intelligent Finance) board for reasons why! Basically I'm getting buggered about by both IF and Blair et al. I'd love for you to tell me the steps you went through as I currently have 3 existing accounts with Blair.

A+L - £950 settled in full.

 

Bank of Scotland - MCOL filed 9 Jan for £1500

 

Bank of Scotland (for parents) - £5000 settled in full October 06

 

Bank of Scotland (mum's account) £1900 settled in full November 06

 

Intelligent Finance: DPA non compliance sent 26 Jan

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Hi Mike

 

This thread is of enormous interest to me - see my thread on the IF (Intelligent Finance) board for reasons why! Basically I'm getting buggered about by both IF and Blair et al. I'd love for you to tell me the steps you went through as I currently have 3 existing accounts with Blair.

Hiya matey, I started another thread with the method that I used and the letters I sent

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Mike

If I've helped tip my scales

 

Blair Oliver & Scott, £2500 written off December 2006 Default removed January 2007:D

http://www.consumeractiongroup.co.uk/forum/general-debt/56001-mike220359-blair-oliver-scott.html

 

Monument, didn't sign the agreement

:D

 

Lloyds TSB didn't sign the agreement!

:D

 

Citicards, didn't sign the agreement

:D

 

RBS tut, tut!

:rolleyes:

 

Morgan Stanley, oh dear

:rolleyes:

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