What exactly are Blair Oliver and Scott entitled to see.

[1stlifeline]

Other half has been making minmum payments to BOS for months and has been getting letters asking him to up the payments as they are due for review.

They then sent a letter saying that if he didnt contact them to review they would respond by putting the interest back on the account. At the moment he is just making payments which help reduce the balance and the interest has been suspended. He rang them to say he was even worse off than when he started the payments as things have gone up, rent etc.

 

They have sent out an expenditure form for him to complete which I think he should ignore but hes worried they will carry through the threat of adding interest again.

 

A few things I would like clarification on please:-

 

They have asked for his payslips - Ive said not to enclose them as they know full well how much goes into his account each week from work.

 

If he fills out the form then it will show he has more going out than coming in, are they entitled to my earning details? (I have been threatened by them as well but my Halifax account is in dispute so they are quiet at the moment)

On the form is asks if you are married, single or divorced. Technically he is divorced, we live together but are not married. They will know from records that we are at the same address so whats the best way to handle filling in the form?

 

I feel he should just state divorced and show that more is going out for him than coming in.

If they dont accept the payment as it is, without any increase (which they are not going to get) whats the worst that can happen. We are in rented property and he has no assets as such so I feel he should just carry on making the reduced payment and tell them to do their worst if they think they can get more. He has never missed any payments so to take him to court when there is no more cash would be a bit pointless.

[dx100uk]

none of their business!!!

send them nothing.

what is this debt?

are they collecting or have they brought the debt?

 

dx

[1stlifeline]

Thanks for the reply Dx, its a Halifax credit card which was passed to them some time ago and he has been making a monthly payment for a couple of years. They have written to him a few times over the past couple of months and he has just ignored the letters but its because they hjave threatened to start putting interest back on that he has responded this time.

[PGH7447]

Two Fingers spring to mind

 

as for the rest of what they want, tell them to take a hike

[PGH7447]

so cca them

[Dotty50]

Hi Blair Oliver & Snot are Halifax (Bank Of Scotland) in-house collectors.

 

Although they do say in their letters that they are a (Professional)Debt Collection Agency!

 

Don't let them bully you into sending anything as far as payslips or I&E are concerned.

 

Get a copy of the agreement and post it here for opinions.

 

Only pay what you can afford, they CANNOT demand more!

[1stlifeline]

Thank you all for the replies, we did CCA them and the result was a valid agreement. Thats why we have been paying the token payments.

 

The thoing thats worrying hiom now is the threat to start charging interest again. That will just eradicate all the progress he has made clearing the debt.

[Dotty50]

Ok if they have a valid agreement, write to them and appeal against putting charges back on, tell them that your circumstances remain the same and if they improve, you will at that point increase the amount you can pay.

 

How old is the account, can you post up your agreement for opinions?

[PGH7447]

when I make an offer t pay I always state that any attempts to increase or attempts to make me increase the offer negates the agreement and all payments will be stopped and the account put into dispute. seems to work none of the accounts I pay are ever messed with again

[the_freedom_trail]

We are in rented property and he has no assets as such so I feel he should just carry on making the reduced payment and tell them to do their worst if they think they can get more.

 

Tell them this in writing. Remember these are commercial enterprises, they should not be suing people unless there is a reasonable prospect of recovering any money and costs that they are awarded. As your partner has no assets I think that HBOS would be disinclined to take court action against him as what would be the point.

 

If anything, I would say that your husband actually has the power here. They must of already trashed his credit so in real terms they have probably already done their worst. Tell him to make the offer that he can afford and that if they don't like it they can take further action.

 

Like any scenario, show the bully you are not scared and they will back off.

 

Best of luck and best regards,

 

TFT

[Tosh]

If anything, I would say that your husband actually has the power here. They must of already trashed his credit so in real terms they have probably already done their worst. Tell him to make the offer that he can afford and that if they don't like it they can take further action.

 

I fully agree with this post. I deal with 1st Credit, but they're all fairly much the same. They'll threaten you with all sorts of stuff like a 'visit' from someone to discuss the matter (no one ever comes) and bankruptcy; yet they won't bankrupt you (I used to ask them too since it would cost me nothing).

 

After much bullying from them, I've decided not to pay anything to them at all; they can swivel. Morally this is probably not right, but to be honest, I don't care about debt collection agencies; they have no morals themselves.

 

They try to phone me now and again but nothing much really. My partner receives the odd letter, but they can't come up with a valid credit agreement with her signature; so we just ignore them. When they phone and try to get me to answer their security questions I just take the mick and they hang up.

 

I must be nearly at my six year point too, when legally they can't do anything to me.

 

The bottom line is you don't have to worry; they've done their worst by trashing your OH credit rating. I considered suicide at one point because I was sick and tired of all the worry; but looking back worrying was a waste of time and energy because they honestly can't do much to you, in the situation you're in.