Full and final settlement with Blair, Oliver and Scott - please advise!

Broken_hearted

Taygal82 wrote: »

What do you mean by 'murky status'? BoS is a trading name of HBoS. Why don't you wait til 12 January and then see what the almighty Lloyds TSB/HBOS beast will accept!

Now that will be a monster but I'm hopeful that they'll just send out a load of F&F offers to get rid of the bad debt.

carolbee

is 12 January the takeover day then?

rog2

Blair Oliver and Scot are, indeed, the in house collectors for Halifax Bank Of Scotland, so your 'debt' is still with Bank of Scotland. I doubt, unfortunately, that much will change, certainly not for the better, when the LTSB takeover comes into effect as LTSB also use some equally unpleasant 'in-house' collectors who 'masquerade' under the banner of 'Secchiari Clark and Mitchel - solicitors' - acronymously known as 'SCAM'.

If you are in a position to make a 'Full and Final' settlement offer, then I would make it to Bank of Scotland, stating that you are being 'pursued' by a Company called 'Blair, Oliver and Scott', to whom you acknowledge no debt whatsoever. If you like, you can send a copy of your letter to Blair, Oliver and Scott.

Please, though, before making any 'F&F' offers, read through the NDL factsheet (link below) and ensure that you make no payments befor BOS have confirmed, in writing, that they will accept your offer in 'Full and Final Settlement'. Accept no other wording.

http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers

Good luck.

Taygal82

Very true rog2. I would also like to say that very often the bank doesn't know what Blair, Oliver & Scott are doing and vice versa so be persistent.

And I know Lloyds are equally awful, when I posted that I was in a good mood and thought there was some good in the world. Have since had a nasty afternoon and am full of bitterness and misery!

Bah humbug.

Broken_hearted

If it puts you in a better mood you can imagine the fun I'll have with them if they decide to start phoning again, I believe someone described me as a vile black hearted b!tch and that was when I was being tame. They don't frighten me, they can't do anything to me but boy do I get under their skin.

edinburgher

What do you mean by 'murky status'?

The fact that I was told my debt had been sold on. You can't sell yourself something

Blair Oliver and Scot are, indeed, the in house collectors for Halifax Bank Of Scotland, so your 'debt' is still with Bank of Scotland

Also, see here!

in writing, that they will accept your offer in 'Full and Final Settlement'. Accept no other wording.

http://www.nationaldebtline.co.uk/en...ement_of fers

Thanks for your advice - I take it by that that you mean that any letter acknowledging a settlement should say that they accept the offer in full and final settlement, and that they agree not to seek payment at a later date, sell on the payment etc.?

rog2

edinburgher wrote: »

Thanks for your advice - I take it by that that you mean that any letter acknowledging a settlement should say that they accept the offer in full and final settlement, and that they agree not to seek payment at a later date, sell on the payment etc.?

Exactly, edinburgher - there have been numerous instances, on this forum, where posters have happily paid 'settlement' figures, thinking that they had 'heard the last of it' only to find that, sometimes years later, they are being chased to pay the 'balance'.

Some DCAs will stoop at nothing in order to get money from you, so please read the NDL factsheet that I posted the link to.

Taygal82

edinburgher wrote: »

The fact that I was told my debt had been sold on. You can't sell yourself something


Ahh, must have missed that part.