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SCS1963 and BOS

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  • SCS1963 and BOS

    hello. Tthank you for the warm welcome

    would someone kindly help.......

    discovered the car missing the other day! thought it had been stolen and notified police and insurance company accordingly. the car was parked on the street diplaying a blue disabled badge.

    a few days later received a mobile phone call from someone calling himself a baliff acting on behalf of Bank of Scotland.

    he confirmed he removed the car from the street and said he didnt need to ''drop in a card''

    he says BOS want all the money up front - even though some of the payment includes 30 months of future interest which will not arise since he/they are demanding full payment after 18 months for a sum calculated to be paid over 48 months.

    he is refusing to confirm his name the firm and their address and the location to which he has taken the car.
    • Are the baliffs acting within the law - are any of their actions in contravention of of the consumer credit act/baliffs code? (do they have a code of ethics or conduct?)
    • Are the Bank of Scotland entitled to demand 30 months interest which would not arise if payment is made after 18 months (on an agreement originally calculated to be paid over 48 months)?
    • is it legal to remove a disabled persons car from the road without their consent?
    thanking you in advance for your kind assistance advice and guidance.

    kind regards,

  • #2
    Re: SCS1963 and BOS

    You should give his telephone number to the police and let them deal with it.

    Comment


    • #3
      Re: SCS1963 and BOS

      Up to a third paid, they don't need a court order as far as I know.

      After one third is paid, they do need a court order, I'm pretty sure of that.

      I agree, calling the Police is probably a good place to start - yes

      Comment


      • #4
        Re: SCS1963 and BOS

        Hi This is shocking I take it you are in Scotland?

        I do think that they need a court order in Scotland will be back in a minute.
        Member of the Beagles £2 coin and small change savers clubs, both based in the Debt Forum:11:

        Comment


        • #5
          Re: SCS1963 and BOS

          okay this is a copy of a default notice from RFS/RCI as you can see the paragraph regarding court action in Scotland[IMG]file:///C:/DOCUME%7E1/home/LOCALS%7E1/Temp/moz-screenshot.jpg[/IMG]
          Member of the Beagles £2 coin and small change savers clubs, both based in the Debt Forum:11:

          Comment


          • #6
            Re: SCS1963 and BOS

            What car is it as you can contact the manufacturer and have a stolen marker placed on it ?
            If you have any sort of problems with bailiffs. I can help you as i am a self proclaimed specialist at dealing with them. I am hopefully going to start a degree (law) from october. If you think my posts are helpful or are guiding you in the right direction do show your appreciation by giving me a green blob.

            Comment

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