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    • So I ONLY contact X4L and not Harlands, right?   Just checking is this their correct address? XERCISE4LESS Head Office 1 Kirkstall Industrial Estate Kirkstall Road Burley Leeds LS4 2AZ   Here's the letter I intend to send, should I pull the trigger or change anything? (I'll obviously add customer reference numbers and such too so they know who I am)   Dear sir or madam,   I refer to my Xercise4Less membership in Hull which I chose to cancel.   I now realise I should have paid 1 final month's gym fee after giving notice to cancel and offer to pay this gym fee now. I will not pay the unlawful admin fee which you say is also due.   Please confirm in writing that you will accept the £14.99 gym fee to settle this matter and supply your payment details and a payments reference number.   If you demand any higher amount, or fail to accept my offer within 14 days, the offer will be withdrawn and all further communication from yourself or Harlands will be ignored.   Yours faithfully,
    • no ofcourse not it's all hot air hoping to mug you.
    • Bang as in error popped up.   The gearbox service ...nope , so service advisor things its done but not noted on the invoice they have. It is on a job card that's locked in another advisors draw thats locked and he is away for a week.     more bad news. They have checked the unit and its £3500 to replace. Sales will not authorised it and servicing/ aftersales will not on the basis sales knew about it before selling it.  
    • didn't remember what wasn't done correctly until i had read BA's earlier notes i found but i knew it couldn't have been correct.   well done
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      If it was me I would send them all a CCA request.   I would bet that not one will provide the correct response and you can quite legally stop paying them until such time as they do provide a response.   Even when they do you should check back here as they mostly send dodgy photo copies or generic rubbish that has no connection with your supposed debt.
       
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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..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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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..

 

DCA's view debtors as suckers, marks and mugs

 

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

 

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

 

 

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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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