Blair Oliver and Scott/Bank of Scotland ** Compensation awarded by FOS ** Top Hi Everyone, I'm new to the site (I have registered and had a good read) and just wanted to check a few things. I have 4 accounts with Bank of Scotland via Blair, Oliver and Scott, otherwise known in this house as Barmy Orrible and Stupid, and have had repeated problems with harassment, not replying to correspondence and all the other bullying tactics that have been discussed elsewhere. I'm currently pursuing a second complaint via the FOS - I won the first one. Despite the fact that there is an ongoing complaint, I am making the agreed payments and Citizen's Advice have intervened, I am still getting about 5 letters a week demanding that I phone them - which they have been repeatedly told I cannot do due to disability. I finally got really p***ed off this morning and reported them to trading standards. I hadn't previously considered disputing the debts, although no doubt there are horrendous charges especially on the two credit cards, because I consider that I do owe the money. However as I have no hope of ever going back to work and it will take about 300 years to clear at the current rate, all I now want is for them to go away and leave me alone. I've even had to change my (unlisted - how did they get it?) phone number. From what I've read I think I need to CCA them, but as barmy orrible and stupid are the same company as Bank of Scotland, who do I write to? Also, because of my circumstances I have asked for the debts to be written off, but of course they never reply. On the off chance that they have the documentation and actually send it to me in time, any suggestions on this point? Or any other ways of making them go away? At the rate we're going in another couple of years the compensation from the ombudsman will have cleared the debts anyway. Many thanks to anyone who has the time to respond. reallymadwoman View Public Profile Send a private message to reallymadwoman Find More Posts by reallymadwoman 30th June 2007, 17:33 # 2 ( permalink ) clutchingatstraws Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 Posts: 823 Re: Blair Oliver and Scott/Bank of Scotland CCA seperately to Blair Oliver and Scott for each of the four accounts. You can put all four into one envelope and send it signed for recorded start timing them from when it is recieved, you can check this on royal mail track and trace. Also ask for a copy of their internal complaints procedure it will save a stamp later on. All the best Cas No CCA No Pay clutchingatstraws View Public Profile Send a private message to clutchingatstraws Find More Posts by clutchingatstraws 30th June 2007, 17:38 # 3 ( permalink ) reallymadwoman Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2007 I am in: South west Posts: 1,466 Re: Blair Oliver and Scott/Bank of Scotland Thanks for the help. And for everyone else on this site, I think you are all amazingly helpful and reading the various threads has dragged me back up from the bottom of the black hole again. Thanks - it's really nice to know I'm not alone and all this harassment is not personal.
Arrow Global appoint Weightmans Top Arrow Global appoint Weightmans Dec 1, quote "THE COMMERCIAL Recovery team at Weightmans has been appointed by international debt purchasing giant Arrow Global. Large scale sales of consumer debts by financial institutions, utilities and telecom companies in Europe and Asia have fuelled the growth of Arrow Global's business and Jill Cox, Head of Commercial Recoveries at Weightmans, is enthusiastic about the potential of the new deal. She said: "Arrow Global is an international player in this field and a welcome addition to our client base. "We have successfully completed their rigorous on boarding process and we are now looking forward to a long term relationship." Ms Cox said the new contract could lead to a 100% increase in turnover by the end of the 2009/10 financial year. "I am pleased to have formed a relationship with such a recognised organisation. It is a testament to months of hard work by the entire Commercial Recovery team and I am confident that we will be announcing further successes in the coming months." unquote FANTASY CHARGES View Public Profile Send a private message to FANTASY CHARGES Find More Posts by FANTASY CHARGES 17th December 2008, 22:50 # 2 ( permalink ) cashins Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Oct 2007 Posts: 1,163 Re: Arrow Global appoint Weightmans Quote: "We have successfully completed their rigorous on boarding process and we are now looking forward to a long term relationship." Ms Cox said the new contract could lead to a 100% increase in turnover by the end of the 2009/10 financial year. "I am pleased to have formed a relationship with such a recognised organisation. It is a testament to months of hard work by the entire Commercial Recovery team and I am confident that we will be announcing further successes in the coming months." unquote Have to say they seem inordinately pround of extending their involvement in a business most of the legal profession wouldn't touch with a bargepole. "On boarding process" - Ye Gods! David cashins View Public Profile Send a private message to cashins Find More Posts by cashins Today, 12:00 # 3 ( permalink ) pookeymonkey Classic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 I am in: Portsmouth Posts: 155 Re: Arrow Global appoint Weightmans Just got my first letter from Weightmans regarding an unenforceable MBNA/Arrow account. Hope this doesn't mean the end for Marlin/Mortimer Clarke solicitors , as most Arrow stuff went through them before Weightmans. And to think Marlin/MC had just moved into a nice new office. Weightmans might not be so pleased with Arrow when they start to deal with this account. No paperwork after CCA request, then took me to court and discontinued (due to no paperwork). I even have a letter form Mortimer Clarke saying there is no paperwork but they are still trying to find it, that was over a year ago (CCA made nearly 2 years ago!). Pookey
Fangio v's MBNA etc Top Right, I CCa'd all odf them, the 12+2 has paassed, and i've not heard a dickie, other than the endless collection calls and a note from capone that my I+E form was "not adequate"... what is my next move ? Is it now time for the account in dispute letter ? FOTN Fangio of the nineties View Public Profile Send a private message to Fangio of the nineties Find More Posts by Fangio of the nineties 23rd December 2008, 10:36 # 2 ( permalink ) silverfox1961 Gold Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Oct 2008 I am in: East midlands Posts: 672 Re: Fangio v's MBNA etc Hi FOTN, I'm hoping you sent all your CCA requests recorded delivery There is a mixed view on what to do next. Some people say that the DCA now knows the A/C is in dispute and we shouldn't have to remind them but as you've had more demanding letters I'd send the A/C in dispute letter. Just a side not. don't bother sending I+E forms. They have no right to them at all. fox silverfox1961 View Public Profile Send a private message to silverfox1961 Find More Posts by silverfox1961 23rd December 2008, 13:17 # 3 ( permalink ) Fangio of the nineties Basic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Dec 2008 Posts: 15 Re: Fangio v's MBNA etc Sadly i only have proof of posting.(good enough for the courts)...the attatched cheques have not yet been presented...I would intent to send the dispute letter recorded delivery though... FOTN Fangio of the nineties View Public Profile Send a private message to Fangio of the nineties Find More Posts by Fangio of the nineties 23rd December 2008, 13:35 # 4 ( permalink )
Important info about Connaughts!!!!! Top A couple of month ago I wrote to my MP regarding Connaught Collections serving a SD on me. I have had a reply via my MP from John Fingleton the Chief Executive of OFT. Basically he says he is going to take my details for future action to be taken.He also expressed that OFT DO take action against Debt Collecting Companies who breech there guidance. If you have had a SD or been bullied by Connaught Collection please write a letter to your MP expressing there tactics and ask them to contact the OFT on your behalf. As the MP writes and gets an answer directly of the Chief Executive this should have some pull. The more complaints that get rasied OFT will have to act. HAK __________________ Click here for great help
http://www.consumeractiongroup.co.uk...hat-youre.html
http://www.consumeractiongroup.co.uk...i-dummies.html If I have helped please give the scales a press. <<<<<<<<<<<<<<<<<<<<<<<<< <<<<<<<<<< Having_A_Knightmare View Public Profile Send a private message to Having_A_Knightmare Find More Posts by Having_A_Knightmare 24th December 2008, 14:43 # 2 ( permalink ) pt2537 Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jan 2007 I am in: Southampton (actually Eastleigh) Posts: 9,802 Re: Important info about Connaughts!!!!! Hmm, i am dealing with these macaroons for a client at the mo, i will be forwarding the judges comments to the OFT once we have dealt with it but alas i cant post any more than that at the mo __________________ .... .... Currently due to work commitments i am unavailable and will not be able to reply to any requests for assistance. I expect to be off-line for the next month or so at least PLEASE DO NOT PRIVATE MESSAGE ME AND THEN WAIT FOR A REPLY, ESPECIALLY IF YOU NEED URGENT HELP AS YOU MAY NOT GET A REPLY IN TIME pt2537 View Public Profile Send a private message to pt2537 Visit pt2537's homepage! Find More Posts by pt2537 24th December 2008, 14:53 # 3 ( permalink ) Von Greenbach Gold Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Apr 2008 Posts: 447 Re: Important info about Connaughts!!!!! Quote: Originally Posted by Having_A_Knightmare
Barclaycard S.A.R. Query Top My S.A.R. to Barclaycard ran out on 24/12/08 they just beat the deadline by forwarding me a 50 page stack of complicated computer data sheets like this one, most of which are undecypherable to me:
http://i407.photobucket.com/albums/p...ataSheet-1.jpg They did not send me the copy statements I specifically requested nor a copy of my original credit agreement despite my paying £10 for this service! What is my next step ..........C an someone please advise! Thanks, Jendoc jendoc View Public Profile Send a private message to jendoc Find More Posts by jendoc Today, 11:31 # 2 ( permalink ) hillards Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Sep 2006 I am in: Doncaster Posts: 780 Re: Barclaycard S.A.R. Query A Subject Access Request is your request to the original creditor for details of any information they hold on your account. Many of the financial institutions have simply sent out a big bundle of copy statements, as that was reasonably easy for them to organise. However, that is not a solution which was set in stone, as you have discovered. What they have done here is to provide a computer printout of the transactions on the account, which may or may not be helpful to you. You need expert help in figuring out what it all means and I'm afraid I don't know for certain. The best guess is that if there are any values against the various transaction types then these could be charges? Did you specify in your request that you required copies of ALL records they held against your name? This could have included transcripts of any conversation you may have had with them, in person or by phone, as well as your agreement and so on. If you just sent a standard Subject Access Request they will have given a standard response. If you feel they have failed to provide what you asked for then write to them and say what they have missed. But, make sure you asked for it in your original request. Usually you would have requested a copy of your agreement in a CCA letter to whoever has been chasing you for payment, that's the first line of action to take. The banks know this and could have taken it this had already been dealt with. When I've looked at the Subject Access Request letters people send, I have felt that they do not go deep enough in asking for the information I know I would wish to see. My own request to the Hx, for my old credit card account, went on to ask for the transscripts and notes held on my account - in other words, ALL information they hold, not just the financial breakdown. It may not be the answer you wanted, but they do seem to have provided the information they think you asked for. __________________ Be good to those who give you advice that helps - click the scales on the left to give them your thanks by way of a reputation credit. Halifax Bank - WON 20/12/06 - £1,500! (cheque arrived 06/01/07) My Halifax Thread - HERE I've launched my CAG inspired site at
http://hillards.co.cc/ for anyone who is new to the site and wants to know what the DCA's are really like, or what a CCA or Subject Access Request is... Lots of good reading! hillards View Public Profile Send a private message to hillards Find More Posts by hillards Today, 11:43 # 3 ( permalink ) jendoc Classic Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2006 Posts: 218 Re: Barclaycard S.A.R. Query Thank you Hillards for your reply and clarification, Would it be worthwhile sending another S.A.R. Specifically requesting only to supply copy statements and a copy of the CCA associated with this card? Jendoc
Threatened with statutory demand for bankruptcy Top Can anyone please offer some advice? CapQuest (a debt recovery company) have sent me a statutory demand for bankruptcy for debts on two credits cards issued by Halifax Plc. Is there a way I can stop CapQuest proceeding with the bankruptcy petition? In accordance with the Consumer Credit Act 1974, I have sent CapQuest a letter requesting signed original copies of the agreements to which the debts relate. Is this sufficient ground to put the bankruptcy petition on hold? Any useful advice will be greatly appreciated. Jaspiro View Public Profile Send a private message to Jaspiro Find More Posts by Jaspiro 22nd December 2008, 03:28 # 2 ( permalink ) rory32 Platinum Account Customer Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: Jun 2006 I am in: Scotland Posts: 12,732 Re: Threatened with statutory demand for bankruptcy Statutory demands should only be issued where the amount owed is not disputed. Not being able to supply the credit agreement would be a reason to set aside the demand. However in order to give you fuller reasons for obtaining the set aside it would be useful if you could answer the following questions: Are there any charges on these accounts e.g. late payment charges, overlimit charges? Have you received a default notice? Have you received a notice of assignment? Did you receive a letter before action informing you that a statutory demand would be issued? How much roughly is the amount claimed on the statutory demand? When were the accounts taken out? Are you a homeowner? __________________ HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's? YOU CAN NOW COMPLAIN TO THE OFT ABOUT THEIR CONDUCT UNDER THE CONSUMER PROTECTION FROM UNFAIR TRADING REGULATIONS 2008. Complaint to the OFT regarding an invalid CCA agreement Complaint to the OFT about telephone harassment from Debt Collectors and Creditors Complaint to the OFT about DCA's threatening legally action on statute barred accounts . 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. rory32 View Public Profile Send a private message to rory32 Find More Posts by rory32 22nd December 2008, 10:24 # 3 ( permalink ) 42man Site Team Watch out, there are Claims Touts about! Search the Web here for your Christmas gifts. It helps us to pay our way. If we have helped you, please help us. Click here. Join Date: May 2007 Posts: 8,136
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