HomeCreditorsDebt Collection Agency Causing Clients Unnecessary Grief


Debt Collection Agency Causing Clients Unnecessary Grief — 3 Comments

  1. I have received a letter about twice a year in the past two years regarding my payment suddenly being in arrears. Having checked my own bank account I can see that the payment has left my account over a week before these letters.

    When trying to call Blair Oliver and Scott I am asked to enter details via the phone keypad (postcode, account number, DOB) then ether is a wait usually of five to ten minutes to get through to an offshore call centre. I am then asked for the very same details.

    Once all this is out of the way, the call turns into BOS actually wanting to get more monthly payments and not about arrears. Having paid the bill and on time I am told the plan will be cancelled unless I submit to an increase in payments. Having offered a payment I am told no you have to go through an assessment that will take ten minutes – but never does – and that will lead to them demanding more money.

    I find that BOS is staffed by the usually bully or robot brain that works in debt collection and that you cannot argue nor is it worth trying. I would rather they take me to court and I say my piece but I guess that wouldn’t go very far either.

    • Hello Mark

      Many thanks for your reply.

      Blair Oliver and Scott are the in-house collection agents for BOS/Halifax. I think that the best policy is to contact them in writing. Also when you write to them send them an Income & Expenditure to show that you are not able to increase your payments to them.

      When dealing with creditors, I find that it is always best to deal with them in writing! This way you have a record of what has happened regarding your account.


      • There is no debt. The bank didn’t lend you any money. There is no money, only currency and currency isn’t money.
        You have nothing of value to be able to make a payment. You have nothing to pay with. You are the bonded sureties for the bankrupt corporation. You create the asset when you sign the loan agreement. Debt collection agencies DO NOT BUY DEBT. Only agency is assigned. There needs to be a Deed of Assignment signed by an officer of the 2 corporations. No deed, no capacity to bring a claim.

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