More Blair Oliver Advice

Steve74_2

Hi there,

First off thanks for accepting my registration.

I have had the misfortune of wage reduction for a year now, and as a result debts got out of hand ..... I have mainly got most paying now on a payment schedule until wages go back to normal so thankfully the wolves are circling but not at my door yet.

Blair Oliver & Scott however are the biggest pain in my rear. Constant telephone calls starting 8am through the day (call logger on phone) and up to 8pm in the evening, which I ignore at all times as I wrote to them and said by letter only will I communicate.

Now I have a debt which was at £1000, but by paying a regular amount, I am not at £868 and agreed to a £25 per month payment, which I have been making.

Today I got a letter for a "review" and after calling them to tell them that i would continue, got the most ignorant woman, who basically wouldnt accept my £25 per month, and that they wanted an increase to £30 a month or they would start adding interest and sell the debt. I said that I couldnt and wouldnt increase the payment and would request a copy of the CCA to put the account into dispute, she said fine she would request that for me, but it was then it went awry !

I said to her that once my wages went back to normal in July, I would be willing to pay the debt off quicker, but she was having none of my "attitude" and after stating some regulations and policy she hung up !

So ... being angered, I called back, and got a bloke. Told him what had happened, and he agreed to my payment of £25 per month for next 3 months !

Now ... what I want to know, is, am I doing the right thing?

If not, what should I do from now, and should I continue to pay them. I have no qualms paying my debt, and am trying to do so, as it is by no means the only one, but I am managing ... just ....

I would just like some advice on how to go about this correctly.

I also have other debts for home improvements that I am being crucified for by interest charges by GE Money, but I will address one thing at a time or should I list all and we can give me my virtual slapping now

Thanks for any advice you can give me, the pressure between the wife and I at present is high, lets hope our marriage survives.

Thanks all

Steve

MyLastFiver

Well, yes, you're doing the right thing. You got the outcome you wanted - they agreed your payment proposal.

Don't be rattled by ignorant call centre staff. They are just a hazard of being in debt. You did the right thing by calling back and speaking to someone more reasonable. And you seem like a reasonable chap yourself.

To be honest, Blair Oliver Scott have been one of my better creditors and are certainly the most polite on the phone. Luckily I have never spoken to the woman you encountered!

Steve74_2

OK, thank you. I work full time, and have my own business also which is starting to pick up now, and with any luck I should be able to pay off a large chuck of debt around August time too once clients pay me for their weddings, so I can see light but its hard sometimes.

I've been lurking around as a non member here for a while, plucking up courage to post.

Thanks.

Total debt currently £25K, home improvements, credit cards, store card, car payments etc. Hope to clear £10K this year.

carlislelass

agree with MyLastFiver, they were one of my easiest to deal with.

Steve74_2

OK, I will take it as a one off then, the guy certainly seemed reasonable .... maybe i called up 1 minute before she finished for the night

Steve74_2

Checked my credit report again today, and seems they have updated the file to show the true balance as per phone call, yet dated it 28th Feb, which I guess againis fine.

One more question, when trying to clear debts, what is the best one to start with, the one with the lowest value, longest term, or highest payment?

hippy-chicy

I would have thought the one with the highest interest rate would be the one to tackle first , thats what my snowball suggested, although it is motivating to get smaller debts cleared.

Good luck

DVardysShadow

Steve74 wrote: »

Checked my credit report again today, and seems they have updated the file to show the true balance as per phone call, yet dated it 28th Feb, which I guess againis fine.

One more question, when trying to clear debts, what is the best one to start with, the one with the lowest value, longest term, or highest payment?

Highest Interest rate. But if things are very tight, you could start off with the shortest term, in order to cut yourself some slack at the soonest.