Blair Oliver & Scott

[Mike220359]

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.

[caro]

Look forward to it.

[Mike220359]

No reply from Blair Oliver & Scott yet!

[Mairi]

You want to read this.

 

Unfair UK Bank Charges Free help from Govan Law Centre, Glasgow

 

go to emails link on the right

post number 83

[Mike220359]

Still no reply, default applicable as Thursday at the latest

[Mike220359]

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!

[Mike220359]

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

[Mike220359]

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.

[davefirewalker]

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

[oliver732]

good luck just read your thread!!!

ollie

[Mike220359]

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

 

Mike

[darweb]

Does anyone have a contact fax number for Blair, Oliver and Scott? I prefer to put my dealings in writing with a proof of faxing!

[Mike220359]

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

[paddym]

BLAIR OLIVER SCOTT = IS An IN HOUSE SUDANAME USED BY Bank of Scotland hence BOS dont actually think they exist ?????

[Mike220359]

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

[LondonPam]

Bank of Scotland7/9 North Bank StreetBank

Just got this off the Edinburgh city website lol So they are definately in the same building!

[weej]

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

 

j

[Mike220359]

Bump

[scottchambers]

As an ex Bank fo Scotland employee - Blair Oliver Scott is a dept of Bank of Scotland - check out the initials!! - might well be registered as a seperate company but it is still part of the bank.

[Mike220359]

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

[dazdm2001]

Good luck mate, We are at the pistols at dawn stage with Blair oliver at the moment, Look forward to see how things go for you.. Darren.

[Mike220359]

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

[Jazzie3130]

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

[KHMcBey]

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.

[Mike220359]

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