This topic was closed on 10 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group

Hi all, I have sent final letters etc & declined final offers from both the above banks but unfortunately I have been off work for the last 10 weeks & have not been able to get out to do anything more with ref the court actions. Do i have to inform the banks that i am still taking them to court after this long delay since my last letters to them, or can i just crack on with the court forms now? Also not sure exactly what to put on the forms for example address, what should i say etc so if anyone can help me i would be most appreciative.Lueeze was good to me initailly when i started this out months & months ago so if anyone else wants to lend a hand that would be cool. mike

Thanks rdm will have a look after work tonight. Mike

Will have a look when i finish work tonight Martin thanks. sounds interesting. I have read somewhere about getting your defaults removed but cannot remember if its the same one. Thanks for all your help & the scales of justice have been attacked by my mouse for all your information on my behalf Mike

Will the date of the default be the same as when B.O.S administered it or will it be from when the dca registered it? IE: I thought you could only put 1 default against 1 debt but if I am wrong then I am being penalised again even though i pay regular Mike

Martin are you telling me that the debt collection agency will have issued a default against me now which means if I take no action it will be another 6 years before it comes off my file? Also I am presuming if I ask for all my up to date statements again, i will not get them from the bank? I will not get my contract or default proof from them either? This stinks of the bank getting out while they can because they know they have not handled my account in an appropriate way arghhhh. Right this Monday I have a day off work so will do all the relevant paperwork I need to do or i will get in a rut. Mike

Thanks giveitback. I think I need to make my posts shorter & more to the point so that people will not be scared away from reading such long posts. Mike

B.O.S. have sold my debt inclusive of charges onto a company called Cabot Financial services. They originally gave it to Blair Oliver Scott who are just B.O.S collecters I am led to believe.Throughout the time Blair Oliver Scott handled the account I still got statements from B.O.S directly & either exceeding a supposed overdraft fee of £28 monthly or interest added or both whichever seemed to take their fancy.I got all my statements from them a couple of months back but now they have sold it all on. Why would they do this? Are they still the liable party or should all correspondence be through Cabot now? An interesting point I think is that no one has informed me by writing or telephone of the debt being sold.I was the one who used to get all the statements etc with my ex's name on them-joint names( she does not live with me).I asked B.O.S for them to remove her name from my statements but they would not. She was the one who found out about the debt being sold on, only because she phoned them up to ask why a payment had been returned. Ironically this in effect means we have missed a payment for Cabot lol because we had a returned payment no one told us about.(oh that will be extra interest added) To Sum Up--- 1) I need to know if B.O.S will still be charging me etc or will that cease now because Cabot have it? 2)What should I be saying to Cabot(so they don't spin me a yarn when I phone them) 3)Can I demand letters come in my name only?(my ex will be on my voters roll at this address at this rate) 4)Are B.O.S still liable because I want to see copies of our signed agreement & proof that I recieved a default notice(cabot will probably default me next geez) sorry this is so long. Lots of people have helped me in the past & thanks to them all but this account scares the cr_p out of me & if I have mentioned these points in various other posts I apologise in advance for confusing you & myself. Mike

Just a thought who should have the default documents & the signed contracts? The Bank or the company they have just sold the debt onto? I am presuming the bank of scotland have sold this debt on, because they knew i was looking into their bad practices or bad handling of my account by demanding all my old statements & just sold it on cheaply?

Thanks Martin you have been a great help. not sure what you meant by schedule in your other post but nevertheless you have been helpful.thanks again Mike

Thanks Dave, i will look for the template for that & get it sent off. Mike

Can the bank default me without letting me know (they have 2003) & can they default you, if you can prove you made a regular payment to your account, no matter how small? Mike

forgot to mention that the threatening letters are coming from retail bank collections trinity road halifax & the other letters charging me interest & unauthorised overdraft fee's are coming from the mound in edinburgh

Thanks for your help once again. Is the 12 days for a copy of my agreement & the 1 month for the default to be shown to me because i have another joint account that they say defaulted but i was never informed at the time & they have just sold it onto another company.(I have the statements from that account) By the way I have visited loads of threads & my head is minced trying to take it all in. Its scary stuff & I just worry i am taking on too much mike