PLEASE HELP =( halifax and blairoliverscott

[Desperate Daniella]

I would definitely call FOS again and tell them despite the complaint they are still taking money, and then call the bank and tell them you have complained again. You must quote the FOS reference to the bank when you call.

 

DD

[j.fra]

ok will do, the fos are complaining to bank on my behalf, if bank dont sort it i've to get back in touch wth fos

[maroondevo52]

Sound, let us know how you get on.

 

Regards.

 

Scott.

[Desperate Daniella]

Hi j.fra,

 

It's good FOS are taking it up on your behalf, but FOS move in their own time and it could take a couple of weeks (or three or four). In the meantime more money could be taken from your account. I really think you should make those calls before they dip in again.

 

DD

[cp1949]

Hi JFRA, I was told by my debt advisor at our local Trading Standards Office in order to stop all the phone calls regarding outstanding debts was to change my phone number which I did and now I dont get these phone calls any more. I know its a pest to have to change your number but its better that than dreading the phone ringing. Hope this helps as much as it did me.

 

also can anyone advise on how to deal with the constant phonecalls from dca?? currently I do not answer my home phone and reject calls from numbers that are withheld, private or unknown to me on my mobile, can I answer and tell them to stop calling me? and do they have to listen?

j

[cp1949]

Hi again , you could try cancelling your direct debits if you dont want them taking more money out of your account than you can afford and just pay however much you can afford using the paying in section of your statement.

 

 

Hi j.fra,

 

It's good FOS are taking it up on your behalf, but FOS move in their own time and it could take a couple of weeks (or three or four). In the meantime more money could be taken from your account. I really think you should make those calls before they dip in again.

 

DD

[susiemac77]

Hi again , you could try cancelling your direct debits if you dont want them taking more money out of your account than you can afford and just pay however much you can afford using the paying in section of your statement.

 

Unfortunately that doesn't work! They will go in to your account and decide if you have "enough" for a payment! I get paid on the 15th and most of my prioity bills come out on the 28th, so when they went into my account a week after I was paid it looked like I had plenty of cash - it was for train pass, rent, council tax and electricity. they then helped themselves to £250 for credit card arrears and when I complained was told the only way to get it back was to take proff of all costs into my branch and it would be paid back in if there was insufficient funds to cover those bills. As our rent is in my partners name I couldnt prove Iowed the money and they refused to pay the money back, leaving me with electricity arrears and virtually no money for food for the rest of the month.

 

I went straight out that week and opened a new bank account - even with really bad credit, all banks have basic accounts. Now my money is in my control and I only pay into hbos what I need to cover my overdraft repayment

[dundeelaw]

I am currently dealing with Blair, Oliver Scott (Bank Of Scotland). I have informed them that the debt is disputed, which they are well aware and told them I would add them to any Court Summons as a Co-Defendant. As Blair, Oliver, Scott is a Seperate Entity (even though they are the In-House Collections for HBOS), they have a Consumer Credit Licence which they could loose if the continually harass or threaten customers.

 

It would be great for everyone who has dealings with them to keep posting on here.