Erm ok, well if I sent a letter to Blair Oliver and Scott why do I get the response from the Halifax stating that the account number I quoted is not valid? It is the same account number that the AA gave on the Loan Agreement and that Blair Oliver quote in any correspondence.

Yes, I imagine that is what they have done. I am trying to shed light on why the AA send me a copy of my Credit Agreement, as I sent the letter to Blair Oliver Scott asking for a copy of said agreement. Get a letter back from the Halifax informing me that the account number is incorrect. Even though said number is the one that Blair Oliver and the AA use!

Thank you but I know that Blair Oliver & Scott are the in-house collections department for Bank of Scotland. Can anyone advise about the Halifax becoming involved? That is really what I need advice on.

My daughter had a Capital One card with a credit limit of only £200. She went over the limit by about £100. She then lost her job. Capital One have written a letter a day or so it seemed!! They rang the house daily too. A voice from a foreign country would ask "Can I speak to Miss X" and i would always say she was out which was true as she doesn't live with me!! This went on for months. She eventually paid them off and wrote complaining at their treatment and asked that all interest and late payment charges be refunded. This they did

To be honest my CRA will not be looking good at the moment so I haven't checked

More advice needed please I have obtained a copy of the Loan Agreement from Blair Oliver and Scott, well in fact it came direct from the AA only proving that Bank of Scotland and Blair Oliver are the same. I have just opened a letter received yesterday from the Halifax showing their address as Pitreavie Business Park, Dunfermline KY99 4BS. This letter encloses MY LETTER TO BLAIR OLIVER AND SCOTT DATED 15 January where I request a copy of the Credit Agreeement. It says that the Account Number I quote is not valid and they are therefore not able to provide me with the information.....yet it is the same account number that the AA and Blair Oliver quote!!! They also return my £1 postal order fee in the form of a cheque. The plot thickens. Anyone care to help me shed light on this. If this is confusing here's what's happened - in brief 15.01.2012 Sent formal letter to Blair Oliver Scott requesting copy of Loan Agreement. 23.01.2011 Received copy of Agreement direct from AA in Chester. 28.01.2012 Received letter from Halifax Card Services in Fife refunding £1 fee stating they cannot provide me with the information I request because I have not quoted a valid account number. The account number I quoted is the number on the Loan Agreement - I have checked and double checked. It also also the same number that Blair Oliver and the AA quote. H E L P

Thank you very much. I should thank Sainsbury's too for informing me of their plans - erm NOT. They make a fuss over just over £2,200, sell the debt and then get it written off - nice touch eh? I will send BOS the letter, (they've had the same one from me recently re another debt) but I am in no way bothered by them. I'll be paying a minimal amount each month of £5.

I applied for this Credit Card about 3 or 4 years ago. I have kept in touch with Sains informing them of my position, sent them letters following my visit to the CAB etc etc. They stopped adding interest to my account in May 2011 when I first contacted them. Funny thing is they sent me a statement dated 6 January, with payment due by 23 January. I nearly paid this month last night but was too tired to log on. As I stated in my first post I had a letter from them saying they were reducing my credit limit to £2,300 from now on. I do have other creditors unfortunately. I am managing my debt myself - no company or charity is involved.

Thanks for your reply. I didn't ring BOS - they rang me to which I replied I would only deal with them by letter, and hung up. Well I have sent a letter where I got the template from this site to another DCA and in that it clearly mentions the Deed of Assignment and not the CCA. So when you send a letter with the £1 postal order what am I asking for??? If they supply me with a copy - what does that mean? If they don't - again what does that mean? I have no idea who runs Sainsburys Credit Cards and was surprised to see it was BOS.

I have a credit card debt of about £3,000 with Sainsbury's. Each month I have been paying them roughly £20 and have been in correspondence with them for almost a year as to why I cannot pay the required minimum payment each month. Long story - redundancy and the like. I had a letter from them last week telling me they were reducing my credit limit to £2,300 (lol). On Tuesday I had a letter from Blair Oliver and Scott informing me they had been instructed by Sainsbury's to obtain payment of the balance owed by me. BOS have phoned twice but I just said I will only communicate with you by letter. My question is this - do I send them the usual letter requiring sight of the Deed of Assignment or other document(s) showing who "owns" the debt now? When and if they reply and they can provide proof that they have bought the debt off Sainsbury's, then I will be paying a minimal amount each month. However if they do not have any assignment paperwork then what would be the next step I would need to take? Any advice would be most welcome. thanks.

I see. Well thanks for that

Hi Stigman Oddly enough I said I would pay £35 a month and the woman I was speaking to said "can't you pay any more, that is going to take ages to pay that off".... I said no. I paid one £35 in October and since November I am paying £25 a month. I have a letter from them confirming this. They take it out of my bank account each month. I did suggest paying by Direct Debit but they said they can just take the amount out. In view of what you have said I will go into my bank and speak to them about a new card. I will also contact Blair Oliver to request I pay by Standing Order from now on. I was made redundant a year ago but have worked since, but am still in a financial quagmire from being out of work for a period of time. Thanks for your assistance.

Sorry but you say "confuse it not always easy to read every post..... " So now I have established that I do not need to ask Blair Oliver for this copy Credit Agreement.... However can someone please advise why you would need a copy from the "debt collectors" in the first place?

I mentioned in my post at 17.31 that I do have a copy. Oh dear I am so confused now

Well I do have a copy of the Credit Agreement and always keep correspondence I am still confused as to why I should be asking Blair Oliver for it?

I've just been looking through my correspondence and it appears that the AA contacted me on 18 November issuing me with a Notice of Arrears as at 4 November 2011. Would anyone know why they have been in touch when BOS are "supposed" to be dealing with this loan now? I have a copy of the Credit Agreement that I was sent when I took out the Loan with the AA.....I'm not sure why I would be asking Blair Oliver and Scott to supply me with a copy?

Brigadier, I had a letter from AA Finance on 11 August 2011 informing me of service of Default Notice. No further correspondence until 3 October 2011 which was a letter from BOS informing me they were a debt collection agency instructed by Bank of Scotland and quoting my Account Number. They asked for the full amount in this letter at which point I rang them and told them to stop being so ridiculous, did they think I had £9,641 spare? I need to get a statement from the AA as the amount outstanding differs from what BOS say is outstanding. I have not requested a copy of the Agreement because they have my account number which is the loan account number so I assumed they have all the information? Am I correct in this assumption or should I write to request a copy? I did write to them (BOS) in the past to complain about their contact means, and to set out what I was proposing, but when speaking to them by phone at a later date, they had no record of ever receiving my letter. They seem pretty hopeless to be honest.

It was taken out in February 2008. Original amount £13,000. Interest on loan was £1,700. Total in all was £14,707. 86 monthly payments of £196.10. Interest applied each month was £60ish at first and then at 02.02.10 it was £58 a month.

Ah I see. Well thanks for mentioning. Do you have any advice re my query

Thanks, but yes I know that Blair Oliver and Scott are the in-house part of HBOS. If I put RBS above it was by mistake....too many companies involved here!

Thanks for your reply IMS, the amount I was paying each month had £50 or thereabouts of interest added on so that was included in the total amount. The amount outstanding is just under £9000. I wonder whether I can get this interest removed? I didn't buy any PPI fortunately I don't deal with the AA at all now, only BOS who refer to my loan as being with the Royal Bank of Scotland!

Firstly I am new here so hello to everyone I found this Site some weeks ago after coming across this thread about someone who had taken on Blair Oliver and Scott and won. I can't post the link on here as I am a new member, but as I am currently dealing with Blair Oliver and Scott thought I would post my story here. I took out a loan with the AA in February 2008. Up until April 2010 I was paying £196.10 every month. Unfortunately I was made redundant in 2009 but had managed to repay this loan until April when things became very difficult. I saw someone at the CAB and they suggested I contact the AA, advise them of my current financial position and suggest I make a nominal payment until such time as I was able to make the full payment again. This I did and agreed to pay £25 per month. No formal agreement was entered into and I made the payment online via my bank. I received a letter from the AA in August 2011 informing me they were issuing me with a Default Notice. I then had a letter from Blair Oliver and Scott dated 3 October informing me my debt had been passed to them. I've been in touch with them and agreed to pay £25 a month which I am doing. I know that they are in fact the Royal Bank of Scotland (who I assume the AA finance are part of too) and I am well aware of their tactics. When I've been in touch with them they come across as totally unprofessional and have no idea what they are doing. I was kept on the phone for over 30 minutes by someone who was doing a financial statement with me. I actually complained to her Line Manager about this and at least he had the good grace to offer me £15 for the phone call. I also know that they do not send out a statement of how much you have paid, in any event I am keeping a statement myself. My question to the knowledgeable people on this Forum is this - The AA did quote the Agreement Number on their letter of 11 August so I assume they would have passed this over to BOS? Is the fact that they passed it over to their "debt collector" legal? Any advice would be gratefully received