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Rory32 v Blair, Oliver & Scott


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Letter went off this morning. So I'll wait and see whether I get the "we have returned this matter to our client" letter.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Brilliant letter Rory --- I'm dealing with bank of scotland / blair oliver scott and I've not heard a thing since I cca'd them back in April!!!!!!

 

Will watch your thread with interest.

 

Good luck & best wishes.

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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By sheer coincidence I received my statements from Sainsbury's today. The usual bumf about we refer to your recent correspondence (that'll be two and a half months ago then).

 

However, it is only statements no info on manual intervention, so sorry chaps you still haven't complied.

 

No mention of the copy of the credit agreement. Funny that as the letters were in the same envelope :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Rory, will you send a letter to Sainsburys reagrding their non compliance, or just let them dig a slightly bigger hole for themselves? i ask this because there seems to be a split in opinion on DCA threads in general as to whether to correspond or not.

Thanks

Red

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Currently I'll just let themselves dig a bigger hole. I do believe in building a case against them on the off chance you later need to defend.

 

However, at some point you need closure one way or the other. It's just at the moment I have lots of accounts to deal with so Sainsbury's are not a top priority yet.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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I stopped making payments as soon as they defaulted on the CCA request.

  • Haha 1

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Thank you Rory, again, I am asking the questions, as I know a lot of people respect your input to the site in general, and you set a good example to follow!!

Sainsbury's "Try something new today"....like complying with a CCA request!;)

Red

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I have today received a letter from EOS informing me:

 

URGENT

 

The above debt has been passed to us by our client for collection.

 

PAYMENT IN FULL is required IMMEDIATELY

 

Failure to respond to this letter could result in:

 

The account being passed to you LOCAL SHERIFF'S COURT for action (oh goody, about time. Normally DCA's threaten people with CCJ's so I wonder if they even know what they would be seeking)

Arrangements being made for one of our FIELD COLLECTORS to call on you to recover the outstanding balance. It's a long walk from Warrington.

 

Please ring.......blah, blah, blah.

 

Another letter for the harassment file :)

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Rory, I like the way that DCAs chose to be careful with their wordings. In this letter (unless you pay it all immediately of course :rolleyes: ), they say

Failure to respond to this letter could result in: blah blah

They just don't help themselves do they? You could send them a spade to help with their digging...

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  • 4 weeks later...

Rory,

I was just wondering how things are with you regarding BOS?

 

the only reason I am asking, BOS's time ran out for us at the end of July 07 (12+30 days) following CCA request. so they now are commiting a summary criminal offence.

 

we have heard nothing from them, however today we have received a letter now under the name of

IQOR - the new name for Legal and Trade, staing that the debt is now with Capital Bank (originally taken out with AA under Bank of Scotland) and they have issued with our 'file' to recover the outstanding balance?

 

I havent a clue what to do from here now?

 

it was originally with J&J Collections who also time ran out for, then passed to BOS who also time has now ran out for, so now its passed to these guys?

 

Have BOS done this to you?

14/06/06 Data Protection Act Sent to SPML

28/06/06 - Info / statements received from SPML

2/8/06 Pre Lim to SPML for £324.72

16/8/06 LBA to SPML

28/9/06 filed MCOL

defence filing date extended to 22/12/06

28/12/06 copy of defence received from sch

16/01/07 AQ filed with court

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Eh, nothing really Red. Haven't heard anything from them.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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Rory, planning to pinch your letter as OH has just had the court threat on one account, just one question, he has three accounts and although we have CCA'd BOS for tis them who have been collecting monies towards the alleged debt without supplying any statement of account and got back one card request form ,we haven't SAR'd them, should we and should we send it to BOS or Sainsbury's and would the fee be £10 or £30?

 

So many questions sorry, should really be having cheeky vimtos and sitting in sunshine rather than doing this!:)

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You could SAR them if you want but if they can't supply an enforceable agreement there's no point in trying to claim charges back. It's £10 per SAR, it doesn't matter how many accounts you hold. The SAR is for all the info that a company holds on you.

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally 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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