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Opened a natwest account todat in prepartion for reclaiming my bank charges, sending off for my statements first thing tomorrow.

 

i have a defaulted credit card with halifax am i better to wait til my current account is settled before attempting to reclaim from this account ? and also would blair oliver and scott request the payment in full if i attempt this ?

 

 

thanks for your help as im useless at this sort of thing

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anything that can be deemed as retalitory action by a bank against a claimer will not go down well with the OFT.

 

so i would not worry.

your CC & bank A/C are two separate things.

 

dx100uk:cool:

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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To be perfectly honest, Blair & Oliver (Scott has gone!!! lol) tend to do what they want anyway. If they did request payment in full, explain that you are disputing what the 'full' amount is, the debt is therfore in dispute! ;)

AB123uk

 

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Sorry liverpoolfan, not wanting to hijack your thread at all, but I've got a similar thing...my Halifax CC is £200 over its £550 limit. I've been putting off starting action against them whilst my current account is ongoing and also because its in such a bad way. I'm still paying the minimum which has kept them remarkably quiet, but as soon as I get the £3000 back from my current account, I'm paying the CC off, then going for charges refunded.

 

Great result last night, by the way!!!! :)

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thanks for your adive and lets hope i get just as good a result against the banks, my c/c is so high that id never be able to pay it off if i got my bank charges back or not, i currently pay £200 per month to blair and o and s and been doing so since august and since then ive had no other contact should i stop paying til ive claimed the charges ? im not doubting i owe the money just think the charges on the account were pretty highdo i do the same for c/c as i do current account to get my statements

 

 

please help

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Oh - what has happened to poor Scott (of Blair, Oliver &)?? I do hope the reclaimers haven't pushed him over the edge ;)

 

I'm not 100% sure on this, but I'm sure I've seen somewhere on this site that if an account is in dispute then no monies should be going in or out of it (meaning once they know it is in dispute that you shouldn't be paying). Hope I've got that right, but can someone please confirm or otherwise :eek: .

 

Good luck liverpoolfan

(I bet you were happy last night)

jaxads

 

Halifax - £2281, successfully refunded all charges after LBA letter & telephone call.

Have been offered the difference between the £20 and £12 charges from Capital One -- am sending LBA for remainder.

GE Money - Received settlement of £441, being total charges requested. No interest though.

CCA'd Bank of Scotland / Blair Oliver Scott to produce CCA Agreements on two Credit Cards - well in default, although still chasing payment!!!

EOS Solutions "ceased action on account" on behalf of a friend.

 

All in all, quite busy at the moment and enjoying every minute of it
:eek:

 

 

 

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jaxads, as i believe it, It's more if the debt is in dispute? But obviously if such a time arose that Blair & Oliver were demanding full payment, I owuld refuse for that reason.

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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I would request statements off Halifax, as Blair & Oliver are only handling the account on behalf of them. Correspond with Halifax until they tell you otherwise!

 

Find me helpful? Click the scales!

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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So how does this affect things does it mean they have no power ? without selling the debt on ? very jittery about doing anything other than what they say dont want to end up in court, but ive sent off for my statements and ill have a read and keep you all posted thanks for the advice people loving this site

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liverpool fan, they are a company, a subsidary of HBoS Plc and are authorised/regualated Debt Collectors. There staff are on HBoS payroll, but so are Intelligent Finance, Birmingham Midshires, Esure. So they do still have the same power as any other DCA,

AB123uk

 

IF MY COMMENTS ARE USEFUL, PLEASE CLICK MY SCALES!

 

Halifax Staff Current Account WON

Lloyds WON

Yorkshire WON

Halifax Staff Visa WON

 

 

If CAG Helped you..... Why not help CAG!

Click Donate at the top of the forum!

Oyster- I fought the Lloyds will have it's mark in history- have you downloaded your Official Charges Track?

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