Blair Oliver & Scott

mtd-142128

Hi
Who are they?
Just wondered if I could offer lowish F&F to settle account
Thanks
T

thechippy

The usual scum...

We need more detail to help though.

1. OC
2. Debt amount
3. When was the debt last acknowledged / payment sent...etc

mtd-142128

Had a preference C/C account. balance is approx £243 and i am paying them £5 per month Self DMP

Culex

When did you default?

When did you start to pay the DCA?

Tixy

Blair Oliver Scott are the inhouse debt collectors of Bank Of Scotland (and their associated companies) - hence the initials in the name.
So your debt hasn't actually been sold onto a third party debt collector.
What that means is they might offer you a reduced F&F but its unlikely to be a very low % of the levels you can get from a third party debt collector.

fermi

mtd-142128 wrote: »

Who are they?

In house collectors/solicitors for HBOS group if I remember correctly.

thechippy

If it's a preference account, they won't have a compliant cca for sure...;)

edinburgher

Blair Oliver Scott are the inhouse debt collectors of Bank Of Scotland (and their associated companies) - hence the initials in the name.
So your debt hasn't actually been sold onto a third party debt collector.
What that means is they might offer you a reduced F&F but its unlikely to be a very low % of the levels you can get from a third party debt collector.

In house collectors/solicitors for HBOS group if I remember correctly.

Has it ever been conclusively proven that they're in-house collectors? I seem to recall they had a registered address that was comedically one door along from the main HBOS office...

The comments from Tixy on reduced settlements are spot on. My last debt was with B,O and S (defaulted BOS credit card from 2006). They played hardball (think I managed to get in the region of 30% off the remainder after 5-6 years of regular payments) and they never updated my credit report correctly. They marked the debt as partially satisfied, but left it looking like I have a balance of £6k (the full amount at time of default), not the £800 I never paid.

That said, I'm not thinking it's putting off other lenders too much as they managed to mark the balance for the month before it was paid of as £100k and are obvious dunderheads!

Tixy

edinburgher wrote: »

Has it ever been conclusively proven that they're in-house collectors? I seem to recall they had a registered address that was comedically one door along from the main HBOS office...

The limited company Blair Oliver and Scott Limited is a wholly owned subsidiary of Bank of Scotland PLC (which in turn, ultimately is a wholly owned subsidiary of Lloyds Bank Group PLC).;)

Culex

edinburgher wrote: »

Has it ever been conclusively proven that they're in-house collectors?

How about their domain registration records which disingenuously describe those nematodes as being a sole trader?

edinburgher

How about their domain registration records which disingenuously describe those nematodes as being a sole trader?

But HBOS are listed as the registrant?