Blair Oliver Scott or Halifax? Help please

[polly55]

BOS claim to be acting for Halifax after Halifax defaulted me, and now want the balance, (ha, ha). I've just CCA'd BOS, but should I have sent the CCA to Halifax. BOS on their letters are still quoting Halifax account number.

Help!

[miss muppet]

Don't worry Polly, they are one and the same, so just wait it out:)

[polly55]

Thanks mm.

[spamheed]

the key is in the name

Bank Of Scotland

[babybear39]

Blair Oliver Scott are the in house collections department of HBOS (Halifax Bank of Scotland).

 

As BOS are chasing you the CCA request should go to them, so don't worry and wait for anything they come up with

[polly55]

Thanks people. Sitting tight. Keep you posted.

[polly55]

Hi all

Payplan tell me BOS have accepted monthly repayments. However, they have been calling a lot. I sent a CCA request on 30th April, no reply as yet.

 

However, this

letter arrived today from Blair Oliver Scott

It Says THIS LETTER REQUIRES YOUR ACTION

Client Halifax

A/C xxxxxxxxxx

Bal 6489.22

despite several attempts to contact you ,you have failed to respond

our client has issued strict instructions to recover in full

Please call operators who will talk you through repayment options

If you do not respond you could face debt collectors calling or court action

 

Helpline number 08702405138

address p.o box 66Rosyth,Fife KY11 2WG

ref. SE2/58539370

[polly55]

Any suggestions?

[Duffers Mum]

Polly - I received an identical letter to that yesterday for my Sainsbury's account, so far they have ignored everything I've sent them, waiting for TS to get back to me as I'm sick and tired of these companies passing on debts when they have failed to provide the correct documentation. Good luck

[SHELBELLE]

Hi Polly

 

I today have sent CCA request to BOS, see my thread on this forum.

 

I am no expert but would reply with something like you have requested the CCA and they have failed to respond, but it may be worth waiting the 12 working days from 30th April.

 

Any one else got any ideas?

 

 

Shelbelle

[rory32]

I would just report them to Trading Standards. Have you sent them the harassment by telephone letter?

[polly55]

Hi rory,

No I haven´t, where would I find that?

[rory32]

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/37006-harassment-telephone-response-letter.html

[babybear39]

They're also breaking OFT guidlines:

 

Deceptive and/or unfair methods

2.7 Dealings with debtors are not to be deceitful and/or unfair.

2.8 Examples of unfair practices are as follows:

a. sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing

the same name/date of birth as a debtor in the hope that contact with the

correct debtor will be made.

b. disclosing debt details to an individual when it is uncertain that they are

the debtor in question, for example, disclosing details to 'the occupier' of

an address.

c. refusing to deal with appointed or authorised third parties, such

as Citizens Advice Bureaux, independent advice centres or money

advisers

d. contacting debtors directly and bypassing their appointed representatives

e. operating a policy, without reason, of refusing to negotiate with

debt management companies

f. passing on debtor details to debt management companies without the

debtors' informed prior consent

g. failing to refer on to the creditor reasonable offers to pay by instalments

h. not passing on payments received within a reasonable time resulting in

delays that adversely affect a debtor's financial position.

i. failing to investigate and/or provide details as appropriate, when a debt is

queried or disputed, possibly resulting in debtors being wrongly pursued

j. requiring an individual to supply information to prove they are not the

debtor in question, for example, driving licences, passports, full name,

date of birth, signatures

k. not ceasing collection activity whilst investigating a reasonably queried or

disputed debt.

 

The full OFT guidlines can be found here:

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

[polly55]

thanks bb:)

[babybear39]

You're very welcome polly and thanks for the rep comment

[polly55]

Hi all

BOS gone very quiet. As I said they've accepted repayments through Payplan, Payplan advised me no response required to their threatening letter of 7th May. No response to my CCA request which was delivered on 1st May. Am paying regularly monthly payments.

Should I just carry on paying and not poke the sleeping tiger?

Any advice welcomed.

 

Polly

[babybear39]

It's your choice but the account is now in serious dispute due to non compliance of your CCA request. They have committed a sumary criminal offence which should be reported to Trading Standards.

 

The date of the offence is covered by this new legislation and you should remind Trading Standards of this when you complain:

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/147392-cca-dcas-unfair-commercial.html

[rory32]

Should I just carry on paying and not poke the sleeping tiger?

 

While you can withhold payments until/if a complying copy of the agreement is produced, Payplan are unlikely to be willing to withhold payments.

[stikky62]

I've just CCA'd B.O.S. ,,so

 

Subbing

[pookeymonkey]

Hi Polly55,

 

Halifax defauted me early last year, I was then pursued by Blair Oliver and Scott and set up a token payment with them.I sent a CCA request to Blair Oliver and Scott last September (Halifax credit card),this was delivered (I have proof), left it for 12+30 days then cancelled the standing order for £1.00 per month we had agreed.

 

Heard nothing until earlier this month when I get a letter of intended legal action from Halifax. I wrote back pointing out my CCA request was still outstanding and making an official complaint, this was recieved by them on 18/06/08. Today I receive Court papers from Northampton dated 27/06/08 with Bank of Scotland claiming the alleged balance. I am defending and also plan to put the new Consumer Protection from Unfair Trading Regulations to the test.

 

I will start my own thread and post a link here if it is ok with you, so you can see what to expect from them!

 

Pookey

[rory32]

Pookey as well as obviously defencding the claim you should make a complaint to the OFT.

[pookeymonkey]

Hi Rory,

 

I intend to complain to OFT obout CCA non compliance and I want to try out the new CPUT Regs, particularly Section 7 'Agressive commercial practices'.

 

I dont want to hijack this thread but once I start my own I will post a link here.

 

Pookey

[polly55]

Thanks pookey, I'll be watching your thread with interest, don't forget to post a link here.

Polly

[FANTASY CHARGES]

polly CAN YOU TELL us approx what year you are "alleged" to have opened the account ... thanks was it with halifax plc or halifax building society etc