Cabot - AA Loan

[Angel Steele]

as a side issue

does this debt show on your cra file?

 

dx

 

 

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

[BRIGADIER2JCS]

Best to check those CRA files, it should

answer some questions.

 

Blair Oliver Scott == BOS Bank of Scotland

in house collections.

[Angel Steele]

Best to check those CRA files, it should

answer some questions.

 

Blair Oliver Scott == BOS Bank of Scotland

in house collections.

 

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.

[BRIGADIER2JCS]

They will have most likely amalgamated certain Halifax and BOS

department when they merged into HBOS I think.

[Angel Steele]

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!

[BRIGADIER2JCS]

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!

 

The alternative explanation is ''incompetence'' I think.

[Angel Steele]

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.

[BRIGADIER2JCS]

It all sounds like an inhouse c*ck up.

[dx100uk]

ok lets go back to square one

 

why do you need this?

 

dx

[Angel Steele]

Why do I need what?

 

I tried to explain in my earlier post today above.

[dx100uk]

if the last line of your first post is it

 

the yes they can.

 

nothing illegal there at all

this is a civil matter not a criminal one.

 

dx

[BRIGADIER2JCS]

Which bank backed the AA loan?

The AA would only act as a broker

I think.

[Angel Steele]

DX100UK - Maybe my new post on this thread today isn't clear. Never mind.

 

Brigadier - The AA Loan would I imagine be backed by Bank of Scotland.

 

thanks both for your help.

[BRIGADIER2JCS]

DX100UK - Maybe my new post on this thread today isn't clear. Never mind.

 

Brigadier - The AA Loan would I imagine be backed by Bank of Scotland.

 

thanks both for your help.[/QUOTe

I see many foul up beacuse ot the takeovers and

meregers of the banks, due closing of duplicated

departments, the staff do not recognise the merged

companies paperwork..

That seem to have been your problem here.

[Angel Steele]

More advice required please

 

I requested the CCA from BOS, it was sent on letterhead from the AA finance *rolls eyes*.

 

I've written to Blair Oliver asking for their bank details so I can pay them by Standing Order.

 

not heard a word yet.

 

They ring me every day tho! I've told them I will only deal with them by letter and say goodbye.

 

Can anyone advise as to what I should do next? Wait for them to write to me with their bank details?

[dx100uk]

from the org loan you would have the bank details of whom to pay

 

if 'someone' has not brought the debt [and the 'owner' will only be revealed by getting your cra file]

 

i would just pay a regular amount by your internet banking site

 

dx

[Angel Steele]

I wonder if I should wait for them to send me details of their bank account (Blair Oliver I mean) or talk to them next time they ring?

 

I was paying them each month but by DD which I've cancelled and have requested their bank account details so I can be in control of what I pay them.

[dx100uk]

never ever talk on the phone to any one about your debts

 

esp any dca or their tame/fake solicitors

 

they have no legal powers to do nowt to you

 

always pay the oc

 

you seem to be of the notion thats these muppets are

bailffs or somethingTHEY ARE NOT.

 

did you get your cra file?

 

dx

[Angel Steele]

never ever talk on the phone to any one about your debts

 

esp any dca or their tame/fake solicitors

 

they have no legal powers to do nowt to you

 

always apy the oc

 

you seem to be of the notion thats these muppets are

bailffs or somethingTHEY ARE NOT.

 

did you get your cra file?

 

dx

 

Thanks for your reply.

 

I know they are not bailiffs.

 

I haven't checked my CRA as yet.

 

I don't understand in that case why I should continue to contact the OC, in my case Sainsburys Finance, as they have passed the debt over to Blair Oliver.

 

It's only £2,000 actually and not £3,000 as I stated in the first post.

 

I know they are the in house debt collecting department of Sainsburys Finance/HBOS.

 

In view of your comment above I will wait to hear from Blair Oliver with their bank details so I can pay by standing order - or should I continue to pay Sainsburys?

[dx100uk]

forget the DCA............

 

pay whomever you normally did through the DD

 

the info will prob already be on your internet banking site

 

just select the pay a bill option

most now have drop down boxes to select the finance co.

find yours

and the info will be there

then just input your account number [loan?] as the ref.

 

dx

[Angel Steele]

forget the DCA............

 

pay whomever you normally did through the DD

 

the info will prob already be on your internet banking site

 

just select the pay a bill option

most now have drop down boxes to select the finance co.

find yours

and the info will be there

then just input your account number [loan?] as the ref.

 

dx

 

Yes I can pay Sainsburys no problem because I was paying them up until December.

 

What about Blair Oliver though, if Sains have passed this over to them?

 

In another reply to my thread it was mentioned that Blair Oliver may have "bought" the debt....so the debt would lie with them wouldn't it?

 

It's all a bit of a performance this malarkey I feel

[dx100uk]

they do not OWN the debt

and as they are their in-house DCA

 

the bloke at the next desk can tell'em

 

you don't know WHO owns it

you've no NOA nor have you checked the CRA file.........

 

 

ignore the DCA

 

dx

[Angel Steele]

Sorry I mentioned Sains in this thread but it should be the AA. I have another thread about my debt with Sains and got muddled with the two - ooops.

 

So even though I have paid Blair Oliver about £140 since September you are suggesting I go back to paying the AA direct.

 

I will check my credit file this week although it pains me to pay £14 for the privilege. I've already had the month free last year.

 

thank you once again for your replies.

[dx100uk]

where have you got it cost £14 from?

 

its free just cancel before the end of the 30 days free

 

the dca spoofed you into paying them

i doubt they own the debt,.

 

dx

[Angel Steele]

where have you got it cost £14 from?

 

its free just cancel before the end of the 30 days free

 

the dca spoofed you into paying them

i doubt they own the debt,.

 

dx

 

Yes it's free the first time but once you've had the free for a month you have to pay £14 the next time you want to check your Experian credit reference. I had a free month last year and have tried to log on again but cannot do so without paying first.

 

When you say the DCA "spoofed me into paying" - I do have it in writing from Blair Oliver that I was paying £25 a month. I also have a record of the other amounts I've paid them. The thing I do not understand is this -

 

WHY if I am paying the AA x amount off my loan each month do Blair Oliver suddenly get involved. Is this the AA finance (HBOS) thinking that scare tactics from a so called DCA will do the trick and scare me into paying the while amount?

 

If that is the case it certainly won't work!