Complaints Against Blair Oliver And Scott
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What To Do If You Get A Nasty Letter or Phone Call From:
Blair Oliver And Scott Ltd
Blair 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.
Are you owed money? Have you been missold Payment Protection Insurance with your credit card, mortgage or loan? PPI Advice Line will advise customers openly and honestly about the chance of making a successful claim for their compensation. Find out if you have a claim by clicking here.
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.
NOTE: If you have at least two accounts in debt, and total debts of £2,000 or more, enter your details below to see if you qualify. (But if you owe less than this, or are on state benefits, then use this link to apply instead.)
Name: Blair 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.).
Get a free QuickCreditScore check by applying here.
Blair Oliver And Scott and the Truth About Your Debt
Blair Oliver And Scott Ltd 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 from you.
So ask Blair Oliver And Scott for a copy of the original contract when you took out your loan or credit card.
More 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.
It 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?)
If 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.
Blair Oliver & Scott web page is part of DPC Registry. Consumer Credit Licence number 633327.
Please 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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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
This 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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