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Bank of Scotland/Blair Oliver and Scott


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Good Morning

 

I am wondering if someone could help me here. I have al old debt with a Bank of Scotland credit card. The account was passed to Blair Oliver and Scott who I contacted by letter and asked them to supply me with a copy of my CCA agreement. It duly turned up weeks later completely un-enforceable. It was then passed to other debt collecting agencies. Then all went quiet.

 

I checked my Bank Account yesterday and saw that an Amount of £42.00 wastaken from my Account. I contacted the Bank and they informed me that it was Blair Oliver and Scott who had taken this money and were well within their rights to do so without informing me beforehand.

 

I have got no idea what to do next. I do not know when they will take anymore money, how much they will take etc. I did not even think that they still had the debt.

 

Please help.

 

Judi

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BOS are bank of scotland.

 

seems like thety've used their off setting rule here.

 

how old is this CC debt.

 

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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I would get what they call a parachute account, check that the bank you are chosing has no links with BOS and transfer your balance, all your dd's and get your salary etc paid into it.. That way they cant take anything else unless you chose to pay it.

Advice given is my opinion only, I am not a legal or financial expert (far from it).

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debt is at least 5 years old - just annoys me that I have no idea when they are going to take this again. Also they never did send me a valid CCA.

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at least 5yrs.urm..

 

have you sar'ed bank of scotland, it could be statute barred.

if you are in scotland, it will be statue barred.

dx

please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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I am not in Scotland unfortunately and I know it is not Statue Barred as I think that is 6 years. I think I will just need to open a new bank account.

 

Judi

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The problem is with my credit history I was just wondering how easy it it to open a basic bank account - ie where wages are just paid in and I can withdraw.

Any suggestions.

 

Judi

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There are a few you can choose from.

 

The most popular I know of are the standard/basic accounts from:

 

RBS (key account) - RBS Personal banking | Apply for a Key Account

Natwest (step account) - NatWest - Get our Step account here

Coop (standard account) The Co-operative Bank | Standard current account

Yorkshire bank (ready cash) - Readycash - Current Accounts - Personal Banking - Yorkshire Bank

 

None of the above are linked to the BOS/Halifax/LLoyds group. I have used the above three and had no problems.

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