blair oliver scott

[propjoe]

to cut a long story short been paying them a token monthly payment to clear a bank o/d and havent heard a dickybird from them till today when my wife took a phonecall off them.

they want to do a six monthly review and i must produce my income and expenditure details by next wednesday

am i obliged to this and if so should it be done over the telephone or in writing (writing seems to be the equivilant of banging your head against a brick wall withh this shower)

ta for any advice on this

[Guest Cartaphilus]

am i obliged to this and if so should it be done over the telephone or in writing (writing seems to be the equivilant of banging your head against a brick wall withh this shower)

ta for any advice on this

No.

 

A simple letter telling them your circumstances haven't changed should suffice. They are not entitled to see that information. Except I really wouldn't speak nor answer their calls in future.

[Stigman]

Only a judge has the right to see your personal financial affairs, the people who look at it are either ex-burger flippers, spotty kids or single mums and have no specialist financial knowledge except trying to get a further commission.

Just keep sticking to the token payments.

If they take you to court, depending on your circumstances you may only have to pay as little as £1 per month.

[Guest Cartaphilus]

the people who look at it are either ex-burger flippers,

 

No, certainly not rocket scientists are they?

[propjoe]

thought as much thanks for the confirmation

[Papa_Smurf]

As others have pointed out, only a judge can demand to see income and expenditure details. The holy trinity, blair oliver and scott can sit up and beg but they aint getting it.

 

My advise to you, if they phone again, tell them to put everything in writing then put the phone down. Don't engage in a conversation with them on the phone. They can not take you to court for refusing to speak on the phone.

 

The six month review is the time when you write to them letting them know you can only afford a token payment and you politely tell them to foxtrot oscar. Also, remind them in your letter that you wont talk on the phone and "hope to hear from you again in six months". As long as you don't miss a token payment it is unlikely they would goto court.

[Bazooka Boo]

Blair Oliver & Snot = Bank Of Scotland = Halifax etc etc etc, so it has never left your original creditor, it has merely been passed from the right hand to the left hand in an attempt to confuse and exploit your lack of knowledge.

As already said, they have no right to such confidential and private info as your I&E, they only laugh at how poor you are and what you waste your money on then throw darts in it, and pluck a figure out of their tiny minds that you MUST pay to reinforce their commission.

 

Continue paying what you can 'comfortably' and 'realistically' afford, DO NOT PAY via direct debit OR cheque, STANDING ORDER only.

IMO and TBH I would reduce the amount by £1 each and every time they requested your I&E or grumbled that it wasn't enough, they can't do anything.

[propjoe]

update we sent b.o.s. a letter saying our circumstances haven't changed never heard a peep but today she got a letter

the jist of it says

no contact has been made by her and no attempt to agree a payment has been made.

it uses words like

 

court

door to door collectors

charging order

 

id scan it and post it up but don't have the facility atm

 

it also say must get in contact immediatly

 

sorry for being so vague

 

any ideas on a next move ?

[Papa_Smurf]

Did you carry on making monthly payments since 29th October? If the answer is yes and you can confirm that the payments were received by blair oliver scott, then my advice is carry on making your monthly token payments.Write a letter to them confirming you will carry on with token payments and keep a copy of your letter. You may want to consider sending by recorded delivery.

 

Remember to state in your letter that you wont speak on the phone. Do NOT make payment via direct debit as blair oliver could increase the amount at their end.

 

You might want to consider reducing your monthly token payment at this stage, unless you're already paying £1 per month, as the cost of living has increased since their last contact and the VAT increase is due next month. As long as you never miss a monthly payment it will be difficult for a judge to take them seriously.

[Tingy]

I'd send them a letter saying you did respond, reiterating what you said and just say you'll contiinue to £x per month

[Stigman]

Don't worry about the threats of Court action this, CCJ that, it's all empty threats to make you panic.

 

Just look at the letter, take a deep yawn and file accordingly!

 

Every DCA will threaten with court action/CCJ, think of them as a school bully after your lunch money and then your on the right track of thought.

 

Stigman

[propjoe]

edit to add payments are being made never missed a single one mrs is a bit worried .

i hate this lot

[Tingy]

[ATTACH=CONFIG]23735[/ATTACH] edit to add payments are being made never missed a single one mrs is a bit worried .

i hate this lot

 

Everyone is worried when they start getting letters from DCA's - it is perfectly normal and understandable. You very quickly learn to take them for who and what they are though, and to read between the lines (look for words like might, may, could and long term threats about your credit rating, court appearances etc.....). I'd still stand by my previous post andyes, by all means remind them you've never missed a payment.

[Bazooka Boo]

Just to try and boost your confidence a little, as long as you are paying "something" rather than Nothing, then there is more chance of Her Majesty knocking on your door and asking you to pay this, or even drag you to court for that matter.

You should ONLY be worried if you were not paying them anything, in this case you are paying the toddlers what YOU can realistically and comfortably afford, so you have NOTHING to worry about here. You should welcome court as a Judge will not only challenge them as to why they feel it is necessary to bring a debtor to court, when they are already paying what they can comfortably & realistically afford to pay? And is more than likely going to make an example of the fools and order you pay £1 a month full stop!.

 

Again this is only shallowfax, the same bank that offered me a new 25k loan when I went in to ask them for advice as to how I could possibly pay off my previous debts with them, even though now, I was going to be made redundant without any prospect of working again.....EVER!

Suffice to say, I did not take their advice, and now they wonder why I refuse to deal with them over the small matter of unsecured debt they demand back...

[propjoe]

weve recieved a letter of intended court action today saying papers are now being prepared for comencement of action against my wife.

 

we have never misssed a payment of defaulted on this debt and the halfax account current account is is still open .

 

these lot just seem to ignore everthing we have sent by post its like written communication doesn't exist .

 

what do you think we can expect next from these lot

 

is this just another scare tactic. ?

[Bazooka Boo]

Have you lodged a formal complaint with this excuse of a bank? If not do so today. Are you still banking with the fools? If so why??

 

If you have never missed a payment to them, then you need to grab them firmly by the collar and demand an adult deal with you, and vote with your feet!

[Tingy]

To be honest I'm surprised they've sent you that letter. It may well be more scare tactics, and I can't see any reason why, with your track record, they'd take you to court. I think a judge would consider they were wasting his/her time.

 

Obviously keep paying what you can afford and keep proof of all the payments. I'll let others more experienced than me advise on whether it's serious or scare tactics, but my guess would be the latter. If they intend taking court action I'm sure they have to send youa letter pre-action - if you've not had one of these, it would suggest scare tactics to me.