What To Do If You Get A Nasty Letter or Phone Call From:
Blair Oliver And Scott Ltd
Oliver And Scott is a debt purchasing company/collecting company listed
in the website of DBSG
(The Debt Buyers and Sellers Group) and/or mentioned in consumer finance
forms. They have a legitimate function as debt collectors, but there
is some indication that some such companies (not necessarily Blair Oliver
and Scott), and especially the debt purchasing element, go a bit too
far sometimes and can make people's lives a misery when those same people
are at their most vulnerable. We do not suggest that they are acting
outside the law, but getting that letter or phone call is not exactly
helpful to you right now.
So the first thing
you must do if Blair Oliver and Scott is bothering you is not
to panic or despair. That's just what they want! They'd love
you to call their number and speak to their specially trained sales
team for 'advice'. But once you do that you'll be suggestible to whatever
they tell you, instead of getting independent advice. While we always
say that you should keep an open dialogue with debt collectors, we would
recommend that you do so in writing only. This will prevent them 'railroading'
you into any action which is not in your best interests, as they so
love talking people into doing things on the spur of the moment. Of
course, they are only doing their job, but that's hardly a consolation
for you in the present situation.
There are several
courses that are open to you, and some will suit your own situation
better than others.
A sensible option,
we would suggest, is a debt management plan or even an IVA - which is
designed to actually write off a large chunk of your unsecured debt.
But you would need to take advice on this and look at your income and
expenditure in detail. This option won't suit everyone. There's more
on this below.
As an alternative
you could apply for a 'logbook loan' which many people
find a very handy option. It is actually a loan secured on your car,
except you get to keep the car and keep the cash as well! That's why
some people find it such a good idea, as it unlocks the equity in your
vehicle without taking away your means of transport (there's no need
to sell the car). To apply
for a logbook loan click here.
Yet another option
is a no credit-check guarantor loan. This is especially
useful because your own credit rating is not looked at; you must find
someone else willing to act as a guarantor for you such as a friend
or family member. This is an ideal solution if you're at the stage where
your credit profile has been downgraded by recent events, etc. So click
the following link for Unsecured Loans
that don't need you to be credit checked.
If you wanted to
try a debt management plan, then we provide a whole-of-market service,
with a number of debt management experts on our panel. So whatever your
circumstances, your application will find the plan for you, meaning
the optimum outcome for your situation. It also means
there are no minimum requirements for debt levels or income.
So apply for a debt management plan using the form below.
Oliver And Scott Ltd
Also Known As:
Address: Variously 8 North Bank Street, Edinburgh EH1 2LP or Admail 203,
Manchester M60 5EE
Telephone: 0870 850 1291 or 0870 240 5138 or 0870 240 2502 or 0131 442
7777 (HBOS switchboard); also possibly 01383 430170.
Fax: Not known
Email: Not known
Extra Data: Company No. SC133457. The address on their letterheads is
PO Box 66 Rosyth KY11 2WG (a PO box therefore cannot get a signature on
registered post/recorded delivery etc.).
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And Scott and the Truth About Your Debt
Blair Oliver And
is a debt purchasing company which has purchased your debt from the
original creditor for about 10 percent or less of the original value
of the debt and is attempting to get the full sum of the original debt
So ask Blair Oliver And Scott
for a copy of the original contract when you took out your loan or credit
Data On Blair Oliver And Scott
There is some waggish debate on the consumer
finance forums about the derivation of the Blair Oliver and Scott
name. People have pointed out that it shares the same initials with
the Bank of Scotland and that its chief clients are HBOS. Similarly
Holders of Bank of Scotland, Halifax and HBOS accounts have all come
to their unwanted attention.
Their registered address lies within the HBOS address in Edinburgh
and one of the their contact numbers seems to be the main HBOS switchboard
who are able to put you through to the debt collectors.
may well be that Blair Oliver and Scott are 'made up' names which
serve as a useful corporate moniker because of the same initial as
the bank. It may well be that real people called Blair, Oliver and
Scott got together to form the firm; such coincidences do happen and
some corporate names are extraordinarily aposite (what are the chances
against the Standard & Poor index, concerned with wealth, being
called Standard and Rich? What of the owners
of Coutts Bank being the Money-Coutts family?)
you have any information that you would like honest people to know
about Blair Oliver And Scott then send us an email in complete confidence
and we will try to corroborate it with the clowns involved.
Oliver & Scott web page is part of DPC Registry. Consumer Credit
be aware that figures entered need to be accurate by law, and to give
the best service to you. It is extremely important that you budget for
all necessary expenditure including rent or mortgage, council tax and
utility bills, etc., and any other necessary outgoings related to the
upkeep of your household and in relation to any specific circumstances
which may apply to you or your household. This website only collects data on behalf of
debt management professionals, from which it will receive affiliate
remuneration for data collection only and does not itself engage in
any debt management services. Other debt management options are available
and may be more suitable. People entering into an IVA or debt management
will have this entered on their credit profile and this may affect their
ability to get credit in the short term or even in the long term in
some cases. It is free to apply from this website; you will be given
advice by debt management professionals and a 'cooling off' period,
by law, to decide whether or not the debt management plan is suitable
for you, and you should be aware that a fee will be chargeable upon
a successful arrangement, as with any commercial transaction. Failure
to meet the repayments on an IVA or any debt management programme may
result in serious consequences, including, but not limited to, bankruptcy.
Bankruptcies, CCJs and similar defaults will be entered into a public
register and will remain there for a statutory period of not less than
six (6) years.
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a look at the Insolvency Service's leaflet called 'In Debt', downloadable
of Debt Collectors
Blair Oliver And Scott website is part of DPC Registry website group.
All rights reserved. Complaints Against Blair Oliver and Scott Ltd.
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