There are just too many unknowns, it would be very disappointng if the Scots decide to vote for independance.

Property was mortgaged in my sole name via Bank of Scotland. Account taken out in 2006. Was repossessed in 2009 following my redundancy in late 2008 and failure to pay. I had already left the property and wasn't involved with any of the process to repossess at the time. I didn't hear anything regarding the sale and subsequent shortfall until a letter from Henderson Booth & Snell (debt recovery agents) acting on behalf of Bank of Scotland on 27th November 2012. They stated the shortfall to be £26,XXX and offered the me the opportunity to pay a full and final settlement amount of £9,XXX or alternatively they would limit my personal liability to 50% of the original amount if I paid £50/month. Shaken that it was a large amount of money that had finally caught up with me, I filled in the standing order form and duly paid £50 per month every month from January 2013 onwards in order to limit my responsibility to ~£13,000. On 24th July I received a cover letter from Bank of Scotland telling me that they had withdrawn my account from Henderson Booth & Snell and passed it to Drydensfairfax. The accompanying letter from Drydensfairfax states I owe £25,XXX and as I have been making payments they consider the account not to be in dispute. They are asking me to make a repayment offer. Today I've received a follow up letter from drydens headed 'Notice of Recovery Action' giving me a final opportnuity to respond. I don't know what to do next and how to respond? I cancelled my standing order to Henderson Booth & Snell as soon as I received the letter, so my final payment to them was 12th July. I calculate that I paid £950 to them between January 2013 and July 2014. I've checked my credit report and my account with Bank of Scotland is showing as closed and 'satisfied' in May 2010 (one month after the property was sold at auction in April 2010). No other mention of this on my credit report at all under any other ownership. Having received the second letter from Drydens I am now extremely sceptical as to whether the first letter did originate from Bank of Scotland as both letters sent to me have the same return address, bar codes and font style used. The Bank of Scotland logo is faint and looks scanned in. The only information communicated on the Bank of Scotland page is my mortgage account number and balance owed. Are Drydens trying it on here??? The Bank of Scotland letter uses a PO Box 66, Rosyth, KY11 2WG address and the name on it is Paul Cameron. If my account is showing as 'satisfied' on my credit file, do I have to do anything? Thanks for reading.

hi i have sent Cabot a CCA request on 21.7.14 for an old Halifax debt going back to 2005, which my partner has been paying a token payment of £1.00 since He recieved a replay back from Cabot on the 24th july that they will try and provide the information requested within 40 days Today i have recieved a letter from Drydensfairfax solicitors acting on behalf of Cabot, the usual threats, do i ignore this letter or do i need to reply to Drydensfairfax

hi im needing advice on the only bad debt on my credit file its small debt of 400 which is defaulted and has been brought by lowells ,now im aware of it being staus barred after 5 yrs as in in scotland ,that 5 yrs is in nov ,thing is my credit file is great at moment apart from that debt what im asking should i make it status barred in nov or leave it other year and let it fall of my file? if i do status barred does it stay on my file until 6 yrs are up which is nov 2016

I'm not hopeful there is a solution at this stage, as I have left it too late to do much, so that's my own fault! I'm terrible for just pretending the problem isn't there I guess I just have to pay up and avoid going to court. The return date on the court summons is August 15th and calling date is August 29th. But if anyone has any ideas or suggestions, it would be much appreciated. I received a Small Claims Summons, a few weeks back now. Was surprised as I have no knowledge of this debt or the company making this claim, which is Arrow Global Guernsey, who apparently bought this debt from Phoenix Recoveries in 2011. It states on the court summons, that Phoenix provided goods to me on or around 22nd May 2004 for the sum of £123.58 and that is the amount they are claiming, plus court costs, total of £249.11. Obviously Phoenix did not "provide" goods to me, as they too are a debt collector, so I have no knowledge of where the original debts comes from. I would guess it was prior to 2004 though. I do know/remember in 2004, I went through a tough time with one of my boys taking seriously ill and subsequently having a bone marrow transplant. I'm more than aware I accumulated a number of small debts. I thought all had been settled and cannot access my Noodle account at the moment. Many thanks in advance!

I am looking for some advice for my husband. He had a CCJ issued against him in July 2009 by a court in England. It was a hire purchase agreement for a car. My husband has always been resident in Scotland, including when he took out the credit agreement and when the CCJ was issued. We therefore had a couple of questions regarding this. 1) Given that he is resident in Scotland, should the creditor not have pursued him through the Scottish courts rather than the English system, therefore getting a decree rather than a CCJ, or at least getting a decree to sit alongside the CCJ? 2) The CCJ itself is due to be reported until 1st of August 2015, I have a vague awareness of something saying that debts are only reported for 5 years in Scotland, therefore it should stop being reported on 1st of August this year, is this correct and if so, how would it apply to this situation? 3) Given the judgement was made by an English court, is there any way we can remove it from his file? Any advice on this issue would be hugely appreciated, thanks in advance.

Hi I took out a loan with Bank of Scotland in 1999 for £5000 to buy a car and notice on the agreement that I also had something called Creditcare Silver,which came to £1532.50. My question is, is this some form of PPI and I was fully employed at the time and had full sickness benefits and a good pension scheme. I also have similar issues with HFC, but will cover that in another thread. Thanks in anticipation. Barney

Hi, have put in a claim 18 months ago against the Bank of Scotland for mis sold PPI ( now sitting with the F.O.S. ) through which we had a personal loan of £2000, this was back in 1998, but we still have the paperwork and on reflection it shows that Creditcare of £647 was immediately added to the loan and then they added THEIR own credit of £1202, total £3839, this was done through the post and a courier service, (for the cheque) but for the life of me we cannot remember asking for Creditcare, Would anyone in their right minds do so ? What fools were we !!! Anyway now the Ombudsman has dismissed it because of the time limit ,i.e. it is passed the date that the AA were covered by regulation selling ( January 2005 ) BUT the irony is that the Bank of Scotland WERE covered in 1998 ,so why can't they uphold the claim from the Bank of Scotland as the AA were "an appointed representative " many thanks in anticipation.

Following advice from the forum from a few years ago I sent the recommended letter (template provided)to Gartnavel Hospital and copied in CP parking. I have heard nothing from the hospital but continue to receive increasingly threatening letters from CP. They say they have forwarded my case to Debt Recovery Plus who have written " if the amount is not paid by the date shown (24/07/2014),or if a payment pan has not been entered into by that date, we will recommend that court action be taken to recover the outstanding balance," Losing my nerve. Can take the hit if they take me to court for the £40 but what if I had to pay court fees?

as from may 2023 the Scottish system has changed and is now partly on line for at least SPC claims...DX As the process for those is different to the rest of the UK There are 2 types of actions in Scotland: SIMPLE PROCEDURE- up to £5000 simple and relatively easy to complete yourself. Ordinary Cause Action for over £5000 http://www.scotcourts.gov.uk/taking-...ordinary-cause Ordinary Actions can be more complicated and can also be completed yourself as long as you TAKE the time to research and be able to respond to effectively however you may wish to seek legal advice, especially for Ordinary Cause, on these if you are unsure. All the details on what is required is available at http://www.scotcourts.gov.uk. NOW READ POST 2 BELOW and copy the questions post to your thread and answer them please

Hi all, After a long drawn out saga it's got to the point I feel I need to look for advice regarding Council Tax arrears, and money owed to North Lanarkshire Council for the year 2013/14. Long story short, after coming into hardship in September last year we fell behind on Council Tax and a Summary Warrant was produced for the arrears. We contacted the Council and set up a payment plan for the remaining balance which was around £770, including the statutory 10% penalty fee. All was well for a couple of months but we again began to struggle to the point we missed a payment and almost immediately a Charge For Payment was delivered by the Sheriff Officer along with a charge of £102 for his services. Great. But business as usual. We then contacted Charles Anderson who were pursuing the debt on behalf of NLC and paid them a minimum of £30 per month for three months as we were told as long as we made regular payments to the balance there would be no further action. Our fault for not requesting a payment plan set out in writing, lesson learned again, but after making three successive payments of £40, £30 and £40 (all we could afford at the time) an Earnings Arrestment Schedule was produced based on the arrears of the Summary Warrant from September, reflecting payments we made to NLC after the SW, the payments we made to Charles Anderson, the Sheriff's costs and another £70 charge for the Earnings Arrestment. The total due under the schedule stands at £560. All sounds pretty straight forward, arrears dealt with by a debt collector followed by a batch Summary Warrant, Charge for Payment and finally Earnings Arrestment, seems pretty by the book. What confuses matters is our Council Tax bill for that year was in dispute as my partner is registered disabled with a genetic condition she's had since birth. The arrears were ongoing and we tried our hardest to continue to make payments while the bill was in dispute. On June 24th, a day after the Earnings Arrestment was produced, NLC produced a revised bill for the 2013/14 year which included a Disabled Relief adjustment and said "reason for amendment: change of banding", meaning they sent us a revised bill with a total of £110.59 still outstanding (which by the way, if we'd have had settled months ago when all this was going on, we could have probably stretched and paid off instead of dealing with debt collectors, but that's a side note) Having contacted Charles Anderson on Friday last week, they said they would contact NLC to get the issue resolved. I figured this meant the bill was going to be adjusted, but how wrong could i be? They emailed me today to say they have spoken with NLC who confirmed, all payments so far taken into account, the amount outstanding is £110.59. They also said as a result, the Earnings Arrestment would still stand and they would enforce it with a view to reclaim the arrears and their fees. Can someone please explain to me how this works? We're off to speak with CAB on Wednesday on my next day off, but in the mean time, how can they enforce a Summary Warrant based on arrears that NLC has now confirmed in writing through their adjusted bill for the year was, in fact, wrong? Since our amount paid up to the date the Summary Warrant hasn't changed, and the Council Tax bill was amended and the Disabled Relief backdated to the start of the year, the SW therefore reflects an incorrect amount, the 10% penalty would also be wrong based on the original arrears, and the Charge for Payment and Earnings Arrestment were based on the Summary Warrant. Charles Anderson are yet to reply to me questioning what their fees consist of, as surely they can't confirm the change in arrears and still enforce the Earnings Arrestment for £560? And if they did, surely that would imply their fees would have to make up the difference between the £110.59 both they and NLC have confirmed are the arrears and the £560 they seek through the Earnings Arrestment? Tearing my hair out over this one. My understanding is that the Summary Warrant should be deemed void as the Council have backdated the Disabled Relief and effectively shot themselves in the collective feet? I hope someone who knows more than me can explain this to me, and my legal position. I'm not in any way trying to avoid paying the arrears, I am however unhappy about the fact that Charles Anderson still want my work to pay them £560 based on the original outstanding arrears of £400, which has now been confirmed to be wrong. Help please

I hope you can help! We asked a chap and his band to play a ceilidh at our wedding in 2011 and, long story short, he managed to extract more money from us than he should have and didn't fulfill his contract. We went through the small claims process and have a CCJ against him for approx £740, but he as never paid (and so I assume more interest has accrued?). We engaged a debt recovery agency, who also failed to collect any money (more money down the drain). As he lives near Glasgow, we now want to transfer the CCJ and register it in Scotland so that we can use local sheriffs/messenger-at-arms. However, we are debating whether to raise this and obtain a High Court writ, but I can't establish if this is valid or holds more weight in Scotland, like it does in England. It's also difficult to get a straight answer on how to transfer the CCJ to the Scottish register. So, I think the questions I have are: * How do you transfer a CCJ to Scotland? * What forms are required? * Who generates the forms - me or the local court (Barnet County Court, in this case) * Is it worth trying to get a High Court writ before transferring, or after? * Will we still have to pay more good money to sheriffs/messengers-at-arms in order to chase our money? This, obviously, has left a stain on our memory of our wedding (as my wife keeps reminding me) - we only want our money back and for him to learn that he can't rip people off and get away with it, particularly when it comes to wedding gigs! Any advice will be appreciated.

Hi, I believe I am due £3500 from Thomas Cook for a 22 hr flight delay in July 2009. I have been told by Thomas Cook they will not pay as the flight delay was down to 'extraordinary circumstances' - but it wasn't, the plane broke down. I took my case to the CAA who agree with us and say TC cannot rely on that excuse. TC are ignoring my demands for payment (there's a 5 year rule up here for flight compensation), so next step is small claims court. However, I live in Scotland, but TC is based in England. I have been onto the Scottish Courts website but it is horrendously complex, loads of horrible forms and suggests hiring a lawyer, which seems mad for a small claim. Anyone got any advice? Many thanks.

Hi, I am tying to defend a court claim issued against my wife from capquest regarding and debt assigned to them from BOS. On 19/07/2013, BOS wrote to my wife to notify her that Bos has assigned the debts to crapquest. I have not heard from capquest until 03/06/2014 issuing a court claim while i am disputing a PPI case against Bos. Last year I had a SAR and I noticed that Bos charging more interest than the one I calculated using loan calculator under the same term, I believe that Bos added a premium insurance without my knowledge which they denied it. My question can I defend the claim of capquest using the defence that the a/c is still in dispute against the original creditor. POC: Monies due under regulated credit agreement no xxxxxxxxxxxxxx between Lloyds Banking Groups and the defendant the benefit of which was assigned to the claimant on 28/06/2013. The agreement terminated upon the defendant failure to comply with the term of the Agreement. Date of the claim 30/05/2014.

Looking for some advice here-made the grave mistake of buying from this dive at the end of march this year. I had been looking for a diesel for my 100-mile a day work commute when I was tipped off about an 05 plate Vectra SRI at said garage for £2000. I had not seen the advert online but went to look at it. The shabby condition of the vehicle just sitting on the street should have been the first hint to walk away but I made the mistake of giving them a chance. Salesman came up offered £300 trade in on my then 51-plate Astra and a THREE month warranty. We barely got a look at the vehicle before getting pushed into a joke of a test drive -14 miles of diesel and an EGR valve problem they tried to keep from us. I definitely should have walked away there but [said] they would fix it and do the timing belt and NEW tyres I asked them to do so put down my deposit. This was 22/3/14. We asked for service history they claimed to have it and I have never seen it yet despite asking for it FOUR times and FSH WAS advertised. I get home that night and see advert online advertised with 90000 miles, had 99000 -felt pressured into buying as had put deposit down and feared they would try their best to hide behind their t&c and not refund but looking back I would have taken the legal route if need be-easy to do in hindsight One week later [edit] we get there and he tells us NONE of the engine work done and they had only done 2 of the 3 tyres (near bald part worns) and rushed to put another one on and he said ONE month warranty -we told him were were told THREE months (4 of us heard it). The car had been warmed up so we got it home and finally got to do the checks we were pushed away from doing to find a mouldy boot carpet and 3 inches of water in the spare wheel well (easy cheap fix), debris from the previous owner strewn all through the car, mouldy seatbelts, loose rear seat (despite them claiming it was fixed!!), washer pump not working ( failed MOT twice for this), still no service history so it was asked for again [EDIT]. Next day I drove it and because car was cold the EGR problem was there again-took 5 minutes revving to warm it up. Twice it stalled in traffic nearly causing accidents despite them claiming they fixed it too. Following day I returned it demanding a repair or refund -they took it in to get the valve and timing belt done. Two days later I get car back -they demanded the £200 for the belt in cash -I only had card so was driven [EDIT] in my own vehicle to an ATM to withdraw the £200!!! 1st Saturday in april -still no history I took it for a major at my local Farmer's at a cost of £219 where they found a bodge job done on the exhaust instead of a replacement they cut out the faulty part and poorly welded in a bit of metal that could have gone at any time-quoted £400 plus. Other work I had to do was replace the tyres -I went for decent ones with the miles I do - Goodyear efficientgrip at £130 a corner x4 and the fitter was in shock -2 tyres had 215 width and 2 had 225 (all legal claim DVS) but the ones I got were exactly the same, replace thermostat at £85, washer pump at £30. In 8 weeks car was in garage every weekend bar one getting bits done. 12th may heading down the M90 to work car starts bucking like skippy on substances. I make it to work but for safety had to be towed home. Next day I got the fuel filter replaced at £42. When they took it off the local garage said it was that black and spaghetti-like inside they thought it had NEVER been changed from the day it was fitted in 2005!!! I was advised to run the filter in again drove the car to work and back-no change the Wednesday back to the garage. On the Thursday they diagnosed it needed a new fuel injector ( part plus labour just under £400) I told them do it and on the Friday when they went to fit it.. ..found the swirl valve snapped (talking £700 work) and they didn't want the job (CDTI engine, MAJOR work) but at least they didn't charge for the unfitted part. When I told the mechanic I beat a guy with a young family to that car his words chilled me -" You did them a HUGE FAVOUR, that car was unsafe". I have tried rejecting it but they are hiding behind the line " You didn't follow the terms and conditions, You did the work without our permission". I also noticed the false advertising on the trade in - I know it had done 117500 miles, they listed it at 109000, if only I had printed the screenshots. When challenged, [they] clammed up and went on the defensive like he knew he had been caught out. Because I felt I was going nowhere (and couldn't afford a tow truck or get anybody to tow the car to them because they were never going to do it) I felt I had to take £500 for it. I spent £2900 on a £2000 car with another £1500 needed-disgusting and not fit for purpose. Went to a main dealer, got another Vectra 03 plate- 82000 miles £1800, better presented (even in pre-forecourt preparation stage) and the experience was so much better - the salesman wouldn't even talk a deal until we had checked everything worked and heard the engine, he was even honest on the first week to say no history before taking the deposit but a week later full history turned up and was given it to read before paying the balance. We were not allowed to leave before he had gone through every function-much better than the other [company]. I have got trading standards involved with DVS but the lack of evidence isn't helping. My question is even though I felt forced in both buying and selling can I claim something, even just a partial refund, after all what they sold me was totally neglected and they knew it, they were keeping quiet and pushing me away from the faults hoping they would go unnoticed.

Hi, I've received a letter posted through my door titled "Charge for payment of money", this is regarding some outstanding Council Tax that I have not been able to pay. I have seen the posting titled 'Have you received a charge for payment/arrestment/summary warrant?' However I'm not sure who or where I need to send the documents to, it's on behalf of my local council but from Scott and Co. There's no listing of court address so would I apply for a payment schedule or time to pay through Scott and Co? Any advice on this would be appreciated, thanks!

I received a letter today from Rossendales regarding a £500 debt I owe the legal aid agency. Considering my case was only last week they've been fast off the mark. The case concerned an appeal in Manchester which I was unsuccessful. I live in Scotland. I have two questions: Does the LLA or Rossendales have any authority in imposing this charge as I live in Scotland and we do not have bailiffs? If forced to pay what is the minimum I can pay per month? I have no intention of sending details of my personal finances to Rossendales. I have no contacted anyone yet but I am aware not to contact anyone by phone. Thanks in advance for any advice.

My husband and I had joint wages arrestment put in place for Council tax arrears my employer has stopped deducting my wages a few months ago but my husband is still having the money taken off of him. I assumed they would stop at the same time is there any reason that this would happen? Thanks

Hello, hope someone can help. Due outstanding council tax £500 ish, its from 2 years ago and not the address I am at now. The council do not currently know where I am Living. I contacted them by e mail to come to an arrangement to pay, offered an affordable and reasonable amount per month. They have now started sending letters to my parents address (this is not my old address, not lived here for years ). The latest letter received is stating that a warrant has been granted and I now have to supply employer, bank details, ni number etc, with a threat of a penalty if I do not. Can they enforce this ? sending letters to an address the debtor has not lived at for years. After the first letter I replied by e mail stating all comm to be by e mail as I don t always receive mail sent to my parents. I received a reply to this e mail so they are aware I do not live there, yet still sent the latest letter there. I have made the first payment using the online system to show good intent .I do not want to phone as I like to have a record of all comms. Any advice appreciated. John

Hi everyone, Does anyone know the address for an SAR to Bank of Scotland? thx

Hi there. Writing this on behalf of a friend who is experiencing problems with her letting agents (who operate on behalf of private landlord). Basically has not had hot water for 3 months since she reported it in November 2013. She does however get hot water from the shower. She was finally able to get hot water today but because the water tank is so small she had to heat it twice as she wanted to run a bath. (not enough hot water for the bath) She asked her letting agents if she was due any compensation for being without hot water for such a long time despite her phoning them about it multiple times. She was told that she had hot water via the shower so no compensation is due. Is this true? (Shes based in Scotland if this makes any difference) Another thing the letting agents do is let workmen etc into my friend's flat without letting her know....i thought that they had to give notice of this? thanks for any help

Job Centre Plus have put me on "course" with Ingeus starting on Monday from 10am-4pm and lasting two weeks. All I've received from Job Centre Plus is a badly printed out sheet of A4 paper with a google map of where their location is on one side and on the other side an address, travel options and "lunch options: McDonalds" (surely lunch option!) printed on it! All I've been told about this company by my advisor is "they're good, they get people into work" I thought Job Centre Plus were there for that purpose? :/ I live with my father, who is in his 70s, in his house and received a phone call which my father, as he usually does answered, with a confused look on his face he handed the phone to me 30 seconds or so later to which I heard "...appreciate confirmation of your attendance" He heard the word "Ingeus" and knew it was for me as I had told him I was going there Monday. An 30/40 second automated computer phone call in which someone else in your household could answer and be met with a quick burst of a phone number and other information to "confirm attendance" hardly speaks volumes of their boasts on their website which says "Excellence with integrity - The principle of excellence with integrity is the foundation of our organisation, and informs every decision we make." They effectively called me to tell me something yet their automated system kicked in when someone else answered the phone call! Does this automated phone call from Ingeus not break the Data Protection Act? I've also noticed from their website they say "Once you are referred onto the Work Programme by Jobcentre Plus, you will receive a phone call from Ingeus,followed by a letter confirming the date, time and location of your first appointment." Job Centre Plus referred me to this programme over a month ago but all I've received is this automated phone call and no letter. Starts on Monday though! Is this a taste of the incompetence I'm going to have to sit through for the next two weeks? I've also found out through my own research online that I may be expected to sit beside ex-offenders who could be on the same course for the two weeks, nothing against ex-offenders, but surely I should be told these things before I actually get there? Can anyone on this helpful website please give me some info on what to expect and what I'll be doing for the next two weeks?

I have a question regarding wills in Scotland. My father was made trustee of a will of a family friend in 1998. He has recently passed away. Since his death, another person has came forward to claim to being a trustee. However, the solicitor dealing with his estate had claimed there was no will. What steps should the solicitor be taking to check if there is indeed a will? Also. it has been brought to my fathers attention that the other supposed trustee has been sen taking items from the deceased persons home. Should he be doing this at the present moment? Also, a good friend of the now deceased person has contacted the solicitor saying he had made a will in Australia. How much influence does this will in Australia, if in order, have on the estate in Scotland?

OK. A friend using his girlfriends' car parked in a hotel car park after dark in Scotland in December 2013. Visiting a friend from work, stayed for over an hour, not having seen any notices. His girlfriend has now received various notices from parking Eye, and now Debt Recovery Plus forms. Where does this friend stand as I am given to understand Parking Eye has no legality in enforcing such parking charge notices in Scotland?