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Help On Blair Oliver Etc Please....


HALIBUNNY
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Hi Peeps

 

Blaor Oliver Scott are the DCAa on my Halifax visa account. Every month I make a payment which is paid and credited into my visa account. Not a separate Blair Oliver account.

 

Blair Oliver can not produce a CCA.

 

1. So, I am not obliged to keep payments up due to non production of cca. But who owns the debt? Halifax or Blair? How do I know?

 

2. The reason I want to know is if it's Blair does that mean I can reclaim my charges back from the Halifax and not have to pay Blair?

 

anybody know what the situation is here?!!!

 

Halibunny

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Unless you have received official notification that the 'debt' has been sold, then BOS are acting only as agents for Halifax. The two are very closely linked anyway, in fact BOS once answered the phone to me as "Halifax" and then realised their mistake... ;)

 

Anyway, unless the above has happened, the debt is the Halifax's, they are the ones who need to produce the documentation and they are the ones you chase for a refund of charges.

 

Where are you with a claim for charges?

..

.

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

 

 

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Hi Peeps

 

Blaor Oliver Scott are the DCAa on my Halifax visa account. Every month I make a payment which is paid and credited into my visa account. Not a separate Blair Oliver account.

 

Blair Oliver can not produce a CCA.

 

1. So, I am not obliged to keep payments up due to non production of cca. But who owns the debt? Halifax or Blair? How do I know?

 

2. The reason I want to know is if it's Blair does that mean I can reclaim my charges back from the Halifax and not have to pay Blair?

 

anybody know what the situation is here?!!!

 

Halibunny

 

This may be useful to you!

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/68852-ltsb-no-agreement-cca.html

 

Regards, Dave.

 

 

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Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.

 

I do not profess to be in any way legally trained, I am a big

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Consumer Action Group.

 

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