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Halifax and bank of scotland loans

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Hi all


Still trying in vain to sort out my financial mess - now made redundant :(


Bank of Scotland (£7378)

Halifax (£5476)


Wrote to all lenders - (had never missed a payment until my circumstances changed)

I received some inheritance, wrote to all lenders enclosing inheritance letter as proof of lump sum received. Offered all lenders the full amount of my inheritance split by % to each lender and only 1 accepted (creation bank)


Halifax have ceased collection activity advising me to contact them when my situation changes


Bank of Scotland sending me lots of nasty letters :( and now a default.


But in response to my letter asking to full and final settlement bank of scotland sent the attached (obviously an admin error as they say balance is £0.00 and must be paid in full.)


could i use this as a tool to negotiate or would this be accepted by a court as an admin error on their part ie making me liable to pay all debt.


Fingers crossed I manage to secure employment soon, stressing out with all this debt hanging on me [ATTACH]39287[/ATTACH]:sad:

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not sure how to upload that letter larger it wont let me, thanks in advance for any help and advice x

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Use this method by dx100uk


scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!



ENSURE: remove all pers info inc. barcodes etc using paint program

but leave all figures and dates. {DO NOT USE A BIRO OR PEN]

convert existing PC files to PDF [office has an installable print to PDF option]


goto one of the many free online pdf converter websites [http://docupub.com/pdfconvert/]

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs


or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

i'e Default notice dd-mm-yyyy


open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

If I have helped you please leave me a message by clicking my star


1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI

Read Here

3. Reclaim Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial

Read Here

5. Feel Bullied by Creditors or Debt Collectors?

Read Here

6. Staying Calm About Debt

Read Here

7. Thinking of a Full & Final Settlement?

Read Here


How To Upload Documents To Cag







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Brilliant thanks for that ive pasted to wordpad hope that works ok


I would be very greatful for any help or advice x

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I think that it should be treated merely as an admin error and you should not rely upon it for anything else.

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Thats what I thought ...


Isnt halifax and bank of scotland same company? cant understand why 1 is ok with no payment and the other is not..... will these people take me to court? im real worried about that. I have no disposal income at the moment whilst unemployed but will definatley make payments as soon as im back in work

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Update: Bank of Scotland have written to me to say that it was in fact an "admin" error.


They have issued a default, should they legally have to remove this default since it was placed there after they sent me a letter confirming Zero balance due in error?

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