Blair Oliver & Scott & old GUS finance loan still paying them!

[jumpjet]

is this you old GUS loan?

 

 

dx

 

Yes dx I think it probably is!

[BRIGADIER2JCS]

Check credit file for a clue as whether this has been sold or just assigned for collection. my guess is sold to Wescot.

[jumpjet]

Looking at the letter again, it states that the "managment of the account has been transferred from Blair Oliver & Scott

[dx100uk]

7 threads right back to 2007 merged for history.

 

 

did you ever get that PPI back?

 

 

dx

[jumpjet]

Thanks DX! I am impressed!

 

Yes, We did get the PPI plus interest returned and so reduced the debt by about £1500.

 

We were paying the remainder at £10 per month as per the original agreement

then last year BOS starting getting shirty again.

 

 

Pretending they had been trying to contact us and demanding payment in full.

We reminded them that it was not up to us to to instigate a review of circumstances,

doubled the amount we were paying,

complained again to FOS about their tactics and its all been quite for about 18 months.

 

 

I'm assuming now that they consider anything they do will result in them being seen in a bad light

and so they've passed it on so someone else can have a go.

 

I have emailed westcot and confirmed that continued payments will be made directly to them from next week

and asked them for details to enable us to set up a standing order.

 

Just have to wait and see what they going to do..............bound to involve more money!

 

Thank You.

[dx100uk]

why not faf them around for a bit.

 

 

send them a CCA request

 

 

that could be funny!!

 

 

dx

[jumpjet]

well I want to make sure they have no excuse to make trouble.. we've not heard from them yet but according to BOS we are still paying through stepchange and we havnt for years. I probably will sent a request.......you never know.

[BRIGADIER2JCS]

Another BOS sleeper account the Blair O S

probably haven't looked at for years.

[jumpjet]

hi all,

 

As expected, Wescote have sent a letter (for our benefit) to ensure that we are paying only what we can afford.

 

When they first had the account transferred to them I emailed them to organise continued payments

under both our names but they would not deal with me only with my wife directly stating that the account

was not in joint names and therefore without her confirmation I could not deal with them.

 

they are now asking for income and outgoings,

 

I am sure I have read elsewhere that if the debt is in her name, there is no need to declare any of my income

 

to them and any payment plan can be based only on her finances.

 

Can some body help to confirm this.

 

Obviously payments would be more affordable based on one income.

 

Not trying to get away with anything,

 

just ease pressure.

[dx100uk]

right just got time to review this debt.

 

how the hell can you still you more than what you borrowed after 10+ yrs of paying

 

and that PPI must be wrong too

as you got back less than what was charged in the first place.

 

have you got a list of all you payments.

 

and upto date statements till now.

 

seems to me this is not a fixed sum loan

but a running loan whereby they add compounded interest every month

which they should not be doing

it should have been 1/60th of the £3k per month.

 

pers id stop paying 10yrs for borrowing £4300 is beyond a joke.

 

dx