halifax credit card now gone to BLAIR OLIVER AND SCOTT

[tim40]

Hi everyone, i hope i have posted in the correct area !

 

I really need some direction a credit card debt i have with the HALIFAX ,

 

the card was taken out early 2011 the current balance is £2300 ,

 

i was unlucky enough to have an operation last year and had 3 months off surviving on SSP and tax credits

,the same happened this year again another 3 months off work.

 

I got behind with this card and a default was issued ,

 

i wrote to the Halifax with a budget sheet with all my financial commitments and offered them £10 a month as a goodwill gesture untill i got ack off the floor.

I know they recieved the letter but they never replied so i rang them and i was told to just keep paying the £10 a month.

 

Since then i have been recieving daily phone calls ,mobile /landline and have had a load of letters from BLAIR ,OLIVER AND SCOTT ,

the latest one demands the whole amount by 8/10/12 or notice of intended court action BLAH BLAH BLAH etc etc .

 

Firstly who are these people ?

have they bought the debt ?

or are they Halifax (other dept).

 

I have been continuing to pay £10 a month but i am starting to wonder why i am bothering !

 

ANY help would be fantastic TIM.

[ims21]

Hi

 

Blair Oliver are Halifax/Bank of Scotland in house collection agents.

 

Keep paying the amount you have agreed.

 

Are there any unlawful charges on the account such as late payment/over-limit fees which you can claim back?

 

Also any PPI?

[chezelle82]

Hi

I had the same issue last year halifax passed it onto Blair Oliver scott for a week, then when i Rang halifax back up too see What Was goin on as bös wnt take my Call they put me through to a Company called apex they froze all the intrest an charges and i pay What i can afford they seemed ok and havint bothered me, it shows on my online banking aswell the balance slowly coming Down.

 

Blair oliver Scott ate halifax inhouse dc aswell as apex same Company i belive

[chezelle82]

Are not ate Sorry silly phone

[brokebutnotbeatn]

Apex is a DCA and external. Blair Oliver and Scott are internal.

[angelalowe]

my ex is having trouble with them

he owe bos 15k and has been paying £1 a month for 22 months now