Intelligent finance/Bank of Scotland Statments

neverindebtagain

My husband has been bankrupt for 6 months, two of his credit cards were with bank of scotland and intelligent finance, within the past few days he has received a statement from them showing what the amount owed was. He has rang both companies and they said he does not owe them anything but do to a new law passed in august 2008 they are legally allowed to send statements out every 6 months for 3 years, has anyone else experienced this. The one he spoke to last night said the debt was passed to a debt collection agency and as far as he was concerned my husband can rip them up.

He received a letter from his OR at RTLU a month ago asking him to fill in his IPOQ for early discharge, could it be linked. Also as it was a month ago what is to the time scale if early discharge does happen, will he recieve a letter from OR before it says discharged on insolvency site.

dalip

I had a cc with the BOS and i have never had any statements!.

Also my ED showed up on the IS website first followed by a letter a few days later from the OR, but it can and does happen the other way around. So no definate answer to tha one.


Oh and hi NIDA:hello: hope all is well with you.Dx

neverindebtagain

Morning Dalip, yes things are good. Still watching every penny, but hey, thats why we went br. Just keep counting down to the days to AD.

Both the statements say welcome to your new look statement,maybe a computer error. Just going to file them. Husband does not want to contact OR because it says in the letter for his possible early discharge that he must not contact him.

iquit

Hi NIDA, sounds like left hand doesn't know what right hand is doing. Regardless of any law passed I would assume that as bankruptcy has the legal power to wipe out debt and any statements sent should read a nil balance! Also a bit cheeky to sell on the debt - but I hear this is what they do!!

neverindebtagain

Hi does that mean the debt collection agency, that incidentally intelligent finance put hi through to, can come to him for the debt. Bank of Scotland and Intelligent Finance have the same address, I think they are both part of Halifax.

iquit

No they can't come after him for the money. Many will try though and you must stand your ground and refer them to OH's OR.

philnicandamy

They can try.....but they'll get !!!!!! all as the debts were covered in bankruptcy

a few of my Barclays debts were sold on a while ago....shame Max Recovery didnt get a penny

neverindebtagain

Intelligent Finance said the debt was transferred to Blair, Oilver and Scott, anyone heard of them.

Charco_2

I think this is who BoS pass their delinquent debts to. I dont think they sell them on, the debt still belongs to BoS or IF or whichever bank but i dont think Blair Oliver & Scott are in the same business as say Max Recovery or other companies which buy bad debts for 5 pence or 10 pence in the £1 and then write to you saying they'll write off 25% of the debt if you pay up now

YamahaR6

Blair, Oliver and Scott = Bank Of Scotland. They're just another part of HBOS but they give them a 'scary' name. I think it might be their legal department.

dalip

Yes blair(b for bank),oliver(o for of)& scott(s for scotland)they are their legal department as yam says. Oh is on a DMP and we deal with them direct,do not have any paperwork sent at all now with BOS on it.

Looks very official and scary i must say:eek: