Have you Seen A Grown Man Cry? Help!!

[wotsundermykilt]

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

[Giveitback]

Point 4 - the answer I think is yes. Send a SAR to them.

[wotsundermykilt]

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

[Giveitback]

It's a tricky one, the whole ex issue makes it harder. Would recommend speaking to local CAB, and see what they say..

 

My guess is either;

a, she's jointly liable or

b, you can get her removed

[rdm2006]

still chase BOS for their charges but this may also help you, Ive read on here somewhere that you should send a subject access request to the people who have the debt now as they buy the debt for only 10% of the balance due. if you ask for a copy of the contract it will show this so if you offer a little bit more than they purchased it for then theyre happy.

 

but checkout the debt collection agency's forum to check this is correct

[wotsundermykilt]

Thanks rdm will have a look after work tonight.

Mike