Halifax BOS Debt & me

[jinjoe]

Re: Halifax BOS Debt & me

December received letter from BOS demanding payment

Niddy i have emailed you a copy of the latest letter

[Never-In-Doubt]

Re: Halifax BOS Debt & me

December received letter from BOS demanding payment

Niddy i have emailed you a copy of the latest letter

Send this back... ---> viewtopic.php?p=2318#p2318

[jinjoe]

Re: Halifax BOS Debt & me

January received another letter concerning payment, Niddy please refer to email, also i have had numerous phone calls to my mobile from BOS, incidently how do i deal with door collectors if they should turn up at my house

[alland]

Re: Halifax BOS Debt & me

January received another letter concerning payment, Niddy please refer to email, also i have had numerous phone calls to my mobile from BOS, incidently how do i deal with door collectors if they should turn up at my house

Hi jinjoe, first of all while you are waiting for niddy to reply to your email, DON'T be worrying, I know the phone calls can get on top of you, thats what they are hoping for to wear you down, then you will crack and offer them some sort of payment to get them off your back, which it will do for a few days then the calls will start all over again to pressure you for more money, but believe me these call centre :beaker :bert they can do nothing more than bark a lot but have no bite- ignore them, in fact fail security if you do happen to answer their call that really puts them on the back foot and stops the call in it's tracks.

Same with any DCA :beaker that may knock on the door, many can appear intimidating, and try to make you think they are there on official legal business, but they have no power whatsoever,they can't come into your home, they can't make any legal demands on you to pay them anything.

It's also worth remembering most DCA letters that say they are going to send someone round for a door step visit are simply idle threats to frighten you into making contact with them, remember everytime someone visits you it is costing THEM money NOT you.

If you are unfortunate enough to actually get a visit, stay calm, don't enter into too much conversation, simply tell them the account is in dispute with the OC, and you will only deal with them in writing, ask them to please leave your property, and close the door. If they do persist in knocking,(which most don't do these days, the ex boxer debt collectors with broken noses are a thing of the past) tell them you are going to call the police and have them forceably removed from your property.

In the mean time you could send this off to try and stop any threat of a visit - viewtopic.php?p=182#p182

Good Luck.

[Never-In-Doubt]

Re: Halifax BOS Debt & me

January received another letter concerning payment, Niddy please refer to email, also i have had numerous phone calls to my mobile from BOS, incidently how do i deal with door collectors if they should turn up at my house

Hiya

Did you not previously reply to Blair Oliver Scott about this account? If not, then you should be sending them a copy of the last stuff you sent to HBOS (threat of litigation letter).....

However, as to your comments in email about the takeover, don't stress about this right now. However for future ease, yes - get away from the Lloyds Banking Group as a whole cos they can Offset and may well decide to do so!

[Never-In-Doubt]

Re: Halifax BOS Debt & me

January also i have had numerous phone calls to my mobile from BOS, incidently how do i deal with door collectors if they should turn up at my house

As Allan above stated (cheers mate), see below for the full details:

If you read this, all becomes clear: ---> viewtopic.php?f=71&t=645

So, if you get phone calls, you send this: ---> viewtopic.php?p=178#p178

If you get threats of visits, you send this: ---> viewtopic.php?p=182#p182

[jinjoe]

Re: Halifax BOS Debt & me

thanks guys i'll read up on your replies later in the day, thanks again

[MustGetStraigh]

Re: Halifax BOS Debt & me

If it helps, I've had various DCAs threaten possible doorstep action, but no-one (to my knowledge) has ever turned up.

[Never-In-Doubt]

Re: Halifax BOS Debt & me

lol, that is why we call them blind threats...... half of them are utter nonsense and the rest, well they are just utter bollocks!

[jinjoe]

Re: Halifax BOS Debt & me

January 2010 - Sent two letters to BOS (one phone call letter & one home visit letter)

Niddy i have received another letter from BOS concerning court action, i will email this to you now.

[Never-In-Doubt]

Re: Halifax BOS Debt & me

January 2010 - Sent two letters to BOS (one phone call letter & one home visit letter)

Niddy i have received another letter from BOS concerning court action, i will email this to you now.

Send this to Blair Oliver: ---> Threat by Lender/D.C.A - To commence litigation

[jinjoe]

Re: Halifax BOS Debt & me

Hi Niddy today i've had another letter from Halifax, right now my head is spinning !!, i'll email the letter to you now.

[Never-In-Doubt]

Re: Halifax BOS Debt & me

Hi Niddy today i've had another letter from Halifax, right now my head is spinning !!, i'll email the letter to you now.

ok gimme 5 to check it

[Never-In-Doubt]

Re: Halifax BOS Debt & me

ok gimme 5 to check it

Ignore it - why is your head spinning? It is their final response.... you didn't expect HBOS to say, "Oh, ok - we're wrong, sorry - just forget the debt" did you?

They will always chase you, but you just ignore them

Keep us updated on anything else received, but otherwise ignore this clearly unenforceable account.

[caspar]

Re: Halifax BOS Debt & me

I love that letter in post 26!