My thanks to the excellent Consumer Action
Group forums for the following:
How BOS, Blair
Oliver And Scott Debt Collection Agents and the whole group of them
sell the debt on and/or pass it around themselves and to others in
the lovely debt purchasing business:
BOS have been on my back for almost a year now.
They are looking for an outstanding debt from the Bank of Scotland.
What I can't seem to get through to them is that the Bank of Scotland
credit card they are chasing was taken over by MBNA in February 2006
and I pay MBNA for this. I've sent them proof, I've spoken to the
Bank of Scotland (who incidentally are reluctant to talk to me and
have no record of MBNA taking over the card). This was the Bank of
Scotland's choice not mine. They sold the card on to MBNA. However,
BOS are getting threatening and have now passed me on to a company
I think called Legal and Trade to collect the debt. I've written to
MBNA to ask them to clarify to BOS that they took over the debt but
they just confirm that they have. Has anyone else had this kind of
problem. It seems like I'm banging my head against a brick wall and
no matter how much correspondence goes on, they're not taking it in.
Our comment: As soon as they receive the CCA1 they
are not allowed to sell the account on to third partyies. If they
do so they are breaking the law. It seems we have a case here of BOS
using Blair Oliver And Scott
Debt Collection Agents to cause a bit of trouble where they
can. It seems we may have a case here of a bank breaking the law.
No change there, then.
you have any information that you would like honest people to know
about Blair Oliver And Scott Debt Collection Agents then send us an
email in complete confidence and we will try to corroborate it with
the clowns involved.