HBOS and OH's card debt

[lexis200]

What are they doing then??

 

AFAIK all our accounts have been terminated by them anyway, so why the hell are they sending statements, and more than that why are they concocting fictitious payment info?

 

curiouser and curiouser said Alice...

[lexis200]

MMM - finally remembered to look at the DN, and the ref on OH's isL9211

 

I've also just noticed another blunder on it I think; they state that the payment must be made before xx date, not by xx date. So technically I read that as giving you one day less than is shown on the notice, as you can't pay on the date specified as it would be too late.

[lexis200]

That's a bit feckin cheeky isn't it!!!!

 

That'll be another letter then:rolleyes:

 

Thanks CB:)

[lexis200]

Just opened a letter to OH from Moorcroft. Not had them before and it's always nice to meet new people:)

 

Amended my Iqor letter as I didn't want to get boring, and am sending this today.

 

Your letter dated 30th May (a Saturday), sent 2nd class standard, arrived with me today. Despite giving a short time to respond it would seem time was not of the essence for you with regards to delivery.

 

As I have already told Blair, Oliver & Scott, Robinson Way and Iqor, unfortunately it appears that once again the Bank of Scotland has conveniently forgotten to tell their recovery agents that this account is irrevocably unenforceable, and that neither they nor you have any right or merit to legal action.

 

I suggest you pass this account back to the Bank of Scotland, as there is absolutely no possibility of me dealing with you.

 

I do not expect to hear from you again, save for a letter informing me you have closed your files and passed the account back to the Bank of Scotland. You may include an apology to me for the empty threats you have issued which contravene OFT guidelines if you so wish.

[lexis200]

One thing that has recently dawned on me is that they are asking for the full balance - I don't think OH has had a DN for this account...

 

I may be wrong as he hid all this from me to begin with and just threw stuff away (I know, I know, I've given him hell for it), but there's nothing in the SAR to indicate it from what I remember. Not sure how I can check though without outright asking them for it? Is there a problem with doing this?

 

Ta muchly:)

[lexis200]

Hi Murphy69

 

I've had a read of your thread and you've certainly managed to do away with an enormous amount of debt.

 

The problem I would have with ignoring everything is that if you do get hauled into court over it, I would suspect it's very much going to be the judges opinion that you've stuck your head in the sand and not attempted to resolve matters. The fact that they send mainly templated letters is neither here nor there - they would not be expected to write individual ones to each customer as to do so would be an insurmountable task for such large companies.

 

What a lot of people, myself included, seem to do is give it a good crack for a few months, then tell them enough is enough. It's only a little while of hassle but it does kind of ensure you look utterly reasonable if you do find your way into court.

 

It's very interesting that you offered 7% as an f+f to the DCA's. The two of OH's with BOS show them as being sold at 12% so I don't think they'd be too happy with that as an offer:D That said, they've been sold a duffer in the first place so it may well be that BOS will end up accepting something around your amount if I'm lucky!

[lexis200]

Not sure about that CB, I'd have to check...

 

Oh, while I remember, I had a lovely chat with a lady from Moorcroft today. It went something like this

 

Her: Is OH in?

Me: Yes

H: Can I speak to him please

M: No, he doesn't talk about financial matters over the phone. In any case you are chasing an unenforceable debt for BOS, and they have been told many times about phoning, so I suggest you stop now.

H: So is OH there then?

M: Did you hear what I just said about not taking phone calls?

H: Can I give you a number for him to phone?

M: NO (suppressed the urge to ask her if she was mentally challenged)

H: Ok, I'll phone back

M: No you won't unless you want me to slap you personally with a harassment claim.

H: Right, well I'll be phoning back in a little while. Click.

 

I think our phone must have broken at that point as there were no further calls and she had promised she'd phone back:confused:

 

Oh well, maybe I'll get to play tomorrow.

 

I have to say, even if all the accounts we hold were shown to be enforceable, I'd still be 100% happier than I was before CAG. Just being able to tell them to feck off (or words to that effect) when they're being ridiculous, and not being scared when the phone rings is a huge thing.

[lexis200]

Yep, holiday times don't half cut into valuable CAG time:D

[lexis200]

Nothing from Moorcroft today...I hope I didn't upset them!

[lexis200]

Well maybe just a bit...

[lexis200]

Morning Lexis and CitiB,

Thanks for the reply Lexis...was in a "OMG what have I got into?" state yesterday. Got my bounce back today, and just subbing to this excellent thread.

Like the disguise?

Elsa x

 

Who said that???

[lexis200]

Remember I wrote to Iqor about March time? They wrote back yesterday in full retreat mode - apologising for any inconvenience, gone back to OC etc (not sure how seeing as it's supposedly with Moorcroft at the moment??)

 

Another one down, still waiting for a reply to my last letter which they acknowledged a few days ago...

[lexis200]

Well technically I think Moorcroft muscled in on Iqor when they had it:D I don't hold out much hope for them lasting any longer than Iqor though, so I'm not exactly pacing up and down waiting for a response:D

 

It does amuse me that these debts get passed from pillar to post when they are entirely un-collectable. Do they think I (we!) may suddenly have change of heart if we see a new name on the horizon:confused: I'd love to see what details BOS (and all the other banks) send with these accounts. I'd lay odds it's not 'this is completely dead in the water and has been to multiple DCA's before you, but see how you go why don't you?'

[lexis200]

hmm, I think you have a point there. I think I might have one of their letters that actually states it's unenforceable - it may be another angle of attack.

 

Or I could just ignore the gits and get on with it:D

[lexis200]

Cheers for that CB. I've just had another letter from Moorcroft dated 18th June stating they're going to be sending someone round, so I think I'll be sending in my complaint to TS about them:rolleyes:

 

They'd better be careful if they do venture round as following my trip to my sisters last weekend I've got a brand new attack kitten. Yes, at the moment my wall and my completely stationary foot are wishing they'd never been born.

 

Oh, and on OH's other (defaulted and terminated) BOS account, he got another default notice. Dated 16th June, received here on Saturday, remedy date BEFORE 17th June:D:lol:

[lexis200]

Bostitutes:D:D:D LMAO:D

[lexis200]

That's an absolute corker, and no, not had one yet:D Mind you Blair have been ignoring OH for a while now:(

 

One thing though - was that on behalf of their clients Bank of Scotland?? I think I might have to get something off to someone about that when I have a spare moment (it's not exactly a pressing thing so I'm not going to rush to get it done). They've stated in a letter to me (and probably most other people) that Blair are their in-house agents and not an external company so I rather feel then that them using the words 'clients' is pretty misleading. Surely 'colleagues' would be more apt:rolleyes:

[lexis200]

I think they also share, or have shared a few company directors?

And a little gem from Nominet Whois, re the blairoliverscott.co.uk website:

WHOIS Query

 

They must think we fell off the back of a doorstep...

 

Sole Trader???? How'd they manage that then???

[lexis200]

Yep, I'm going to get on that CB as it's got a bit silly now I think!

 

Elsa - quite right; I'd noticed that but it didn't occur to me that it's a nice way of tying them in (why would it, it's only what the last few posts have been about:D:rolleyes:)

[lexis200]

I am wondering if a complaint to the Solicitors Regulation Authority might be a good idea.

 

Never heard of them - do BlairOS count themselves as sols then? It's been so long since OH's had a letter from them I can't remember what they call themselves!

[lexis200]

Just updating.

 

OH came back yesterday to a DN that was delivered on Saturday (20th).

 

This is the third on this (terminated in writing) account, but it beats the other two.

 

Dated the 16th June, the remedy date is BEFORE the 17th June. Ok then, I'll just set my payments mandate on my online banking to 'last week'. That should do it:rolleyes:

[lexis200]

Probably because they keep sending out bleedin' Notice of Intended Prosecution letters!

[lexis200]

Sigh... just received a letter from Moorcroft, re OH's Halifax account.. they have sent .... you got it... a bleedin Notice of Intended Litigation letter.....................

 

Very important.. 2nd class, dated 19th, with 7 days to respond. Should I accept it as VIP or just take my own sweet time over replying.

 

I'd probably go with option 2, but then I'm not terribly organised so generally have a bit of an issue getting anything out quickly anyway:D

[lexis200]

Jeez, I just wasn't thinking straight:rolleyes:

[lexis200]

Hi London000

 

No worries, the more the merrier:)

 

I'd suggest using the template in the letters section on the forums if you're wanting to get an SAR out to them. It's been re-jigged at some point so it's pretty exact on what you want from them now.

 

They were pretty good with the stuff they sent for the SAR for my OH - only a few bits missing. I can't remember how quick they were now, but I don't remember it being hugely over limit or anything.

 

If it was something else you are after just let me know and I'll see what I have:)