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Halifax and Blair, Oliver and Scott Ltd CCA reply

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Hi all first time posting so hope i am doing it in the right section hehe,

Ok i sent a CCA request to BOS and i got the attached files as a reply from Halifax, they are a covering letter from Halifax and the front and (what looks like) the back of what they call Your Priority Reservation Form, Halifax also sent the normal T & C's and the Credit Card Agreement Regulated By The Consumer Credit Act 1974 blah blah blah, but that is lots of pages and none of them have a signature on any of them, the only thing with a signature on it is the front of the Your Priority Reservation Form, and the only reference to the back of this Your Priority Reservation Form is at the top right hand of the form under some win a trip..... advert so not sure if this is an enforceable CCA, any help on this matter would be very much appreciated. thank you

Cat .


this is the covering letter:


this is the front of the Your Priority Reservation Form:


this is the back of the Your Priority Reservation Form:


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Hmmm, those T&Cs scanned on the back look like they have been added on at a later date, IMO, something a lot of creds are fond of doing lately, I believe.


It just doesn't look right to me; seems somewhat disjointed and would be pretty poor for a professional design company to have created.


You could write to them asking them to verify that what they have sent you is in the exact format that you signed when you applied.

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i was thinking that when you put it up to the light you can see they are no way near the same size and also why can i see the edge of the front very clearly but no edge on the back its a bit suspect to me like the front has a border but the back does not hmm think i will send the follow up letter saying account in dispute and also add a bit about asking to arrange a time to view the actual document at their offices see what they say to that anything to get BOS off my back they are a pain. oh and if BOS is sending me letters saying they are dealing wth this debt why was it halifax that sent the CCA and not BOS that confused me a bit.

and thank you for helping me just wanted to see if anyone else could see my suspicion about the back part will update after i have sent the follow on letter.

Cat .

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Hi Halifax are BOS as are Blair Oliver and snot check the initials BOS



cannot find it A to Z





Halifax :D

Paid in full £2295


MBNA:mad: 20/03/2008 settled in full out of court


Capital One:D

07/07/2007 Capital one charges paid in full £1666

19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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