Halifax BOS Debt & me

[scarednshakin]

Re: Halifax BOS Debt & me

Hi, either Barclays or Co-op seem to be the best ones. I opened a Co-op one over the phone no problem at all. It is just a basic account but had no problems with it. Hope that helps

[jinjoe]

Re: Halifax BOS Debt & me

Hi, either Barclays or Co-op seem to be the best ones. I opened a Co-op one over the phone no problem at all. It is just a basic account but had no problems with it. Hope that helps

i popped into my local Barclays this morning and asked them a few questions about different accounts and such so yeah either them or another one

[fiscalfool]

Re: Halifax BOS Debt & me

one more thing i'm trying to find another bank i can open an account with for my wages to be paid into but also to create a direct debit account to pay household bills, however the following banks are totally out of the question as there linked to Royal bank of scotland

- hbos
- natwest
-Lloyds tsb
-halifax

so right now im thinking Barclays or perhaps Santander can anyone give some suggestions please

Ok, there are only TWO banks which unconditionally will give an account to people with credit problems. For this reason they have to be run very tightly.

I've got a Co-Op account after moving from Barclays (since they are on my creditor list)
You get a Visa Debit card (BUT since you have no overdraft, you cannot use it for petrol pay at pump, or other places which don't do online balance check).
You DONT get Overdraft
You can pay in and withdraw in any post office, which to me is better than going to a branch.


Barclays .. I'm sure the deal is very much the same.

[milliesmadmoth]

Re: Halifax BOS Debt & me

just like to add how the hell can a debt collection agency obtain my new home telephone number its supposed to be ex directory, do these people have some sort of secret database or something & yes ive just had a phonecall from Westcot....WTF, i thought by changing my number i would of got rid of the unwanted phone call, how wrong was i !!

one more thing i'm trying to find another bank i can open an account with for my wages to be paid into but also to create a direct debit account to pay household bills, however the following banks are totally out of the question as there linked to Royal bank of scotland

- hbos
- natwest
-Lloyds tsb
-halifax

so right now im thinking Barclays or perhaps Santander can anyone give some suggestions please

I have UE with Bank of Scotland and Santander has given me a basic account with a visa debit card no overdraft but thats ok, I can just use that card as normal, on-line or wherever.

[Never-In-Doubt]

Re: Halifax BOS Debt & me

just like to add how the hell can a debt collection agency obtain my new home telephone number its supposed to be ex directory, do these people have some sort of secret database or something & yes ive just had a phonecall from Westcot....WTF, i thought by changing my number i would of got rid of the unwanted phone call, how wrong was i !!

They can't - you've obviously given it out to someone that has searched you - for instance, if you applied to a bank (even for a basic account) they usually run a credit search and this would entail N Hunter coming into the equation meaning that anyone else doing an ID check (or otherwise) on you, will see this info...

It could be anyone, BT & British Gas both share info with CRA's.... Basically, you should never give out your number - get a PAYG mobile and use this on all applications you make.... being it's a spare number, you only put the sim in your phone when it suits you (to check for any silly messages)...

[jinjoe]

Re: Halifax BOS Debt & me

They can't - you've obviously given it out to someone that has searched you - for instance, if you applied to a bank (even for a basic account) they usually run a credit search and this would entail N Hunter coming into the equation meaning that anyone else doing an ID check (or otherwise) on you, will see this info...

It could be anyone, BT & British Gas both share info with CRA's.... Basically, you should never give out your number - get a PAYG mobile and use this on all applications you make.... being it's a spare number, you only put the sim in your phone when it suits you (to check for any silly messages)...

I understand what your saying Niddy but i live with my dad and the only people who have the new home number is my sister and two of my dad's friends no one else, i'm not that stupid to give out a new number like that, besides i'm waiting on a complaint i've lodged with my utility provider as to how the house phone number has been accessed.

[Never-In-Doubt]

Re: Halifax BOS Debt & me

I understand what your saying Niddy but i live with my dad and the only people who have the new home number is my sister and two of my dad's friends no one else, i'm not that stupid to give out a new number like that, besides i'm waiting on a complaint i've lodged with my utility provider as to how the house phone number has been accessed.

Hiya, have you changed addresses or given it to anyone - I mean anyone? I specifically mean companies?

In any case, you need to register with TPS for a start (always advisable to do this with new numbers) and if they call again, you ought to act daft and say "who? Never heard of him"....

[jinjoe]

Re: Halifax BOS Debt & me

Hiya, have you changed addresses or given it to anyone - I mean anyone? I specifically mean companies?

In any case, you need to register with TPS for a start (always advisable to do this with new numbers) and if they call again, you ought to act daft and say "who? Never heard of him"....

what is TPS ?

[fiscalfool]

Re: Halifax BOS Debt & me

Telephone Preference Service
http://www.mpsonline.org.uk/tps/

Also they do Mailing Preference Service and Mobile Preference Service.

Well worth it.


Oh ... Mailing pref service, doesn't include Walk-Sort sh1t, so you have to apply directly to Royal-Fail for them to stop sending that.

What TPS means is when you get cold calls at home for SALES, not "advice" then you can tell them to stuff off as you're registered with TPS. But it only works for calls from the UK.

[Never-In-Doubt]

Re: Halifax BOS Debt & me

what is TPS ?

what about the rest of my question....?

[jinjoe]

Re: Halifax BOS Debt & me

what about the rest of my question....?

no i have not changed addresses nor have i given out any kind of info

[Never-In-Doubt]

Re: Halifax BOS Debt & me

no i have not changed addresses nor have i given out any kind of info

ok cheers

[liandconsmum]

Re: Halifax BOS Debt & me

If it helps, DH got a new mobile with a new number, and kept the old sim card - he just pops it in the phone occasionally to check the messages (and delete them). He STILL gets messages left from creditors on the old number, and he changed phones over 6 months ago. It's certainly been easier for us this way. You can still use your old mobile for stuff like that and just check the messages once a week and simply delete any creditor messages. And don't give the new mobile number out to any business at all.

[jinjoe]

Re: Halifax BOS Debt & me

Another letter received from Westcot services today implying court action and door step visits, once again ive emailed the letter to you Niddy

[Never-In-Doubt]

Re: Halifax BOS Debt & me

Another letter received from Westcot services today implying court action and door step visits, once again ive emailed the letter to you Niddy

Send this to Wescot: ---> Debtors Final Response - No CCA Received