Hi, thank you for the help guys, I have sent them a messge requesting they freeze and refund the charges. If this fails I'll try to get Stepchange to stop paying it and I'll start sending £1 a month.

HI, I have been using Stepchange to help me pay of several debts amounting to over £5k. I have repeatedly asked Very if they would freeze interest on my account due to the interest being more than the affordable payments. They keep refusing. My question is.. how can I get them to freeze the interest so I am actually paying the debt off? Step change have only said it's their choice, but surely they aren't allowed to cause unnecessary hardship? Thanks for reading.

Hi, just a quick query. I've had no correspondence regarding this, however, I checked my noddle account and Lowell are adding to the debt. Will this still drop off my credit file from the original date of the default?

I've received a letter this morning from Bryan Carter Solicitors. This states they are beginning legal procedings within 14 days. How do I repsond to this?? Thanks

Apart from a small amount of T&C's printed on the back there wasn't much more than that, I don't have the letter to hand atm. Cap One sent a more comprehensive set of T's & C's months ago.

See post 73 in this thread regarding CCA request

I keep getting phone calls from fredrickson international... can I send the stop ringing me letter or shall I just keep ignonring them and wait? I had a letter back from FOS, they've sent a copy of the letter from lowell which says they're that they've sent me my credit agreement, without them sending a copy of said agreement to FOS, do you think it's worth me complaining that they have sent me a poor representation of a credit agreement with a incorrect signature?

Ok, so I'm not doing anything unless I receive a claim. How long does a claim generally take?

What is SB'd? The original date of account default is 12/03/2010

Ok, do you think I should send them the account is in dispute letter which has been sent to previous DCA? I am actually in employment, but have no assets in my name and my outgoings are more than my income atm.... should I include any of this information in a responding letter?

I do not, however my new husband owns our home......

Any thoughts on whether to send the letter above?

I've just found this on another thread, do you think i should send it to Fredrickson?? I am sending this tomorrow to both addresses that this joke of a company have.. Just wanted to get some input from this forum. -------------------- out of date template removed

I've had missed calls from Fredrickson International today .... sleepless nights are impending

the date of the original default will be six years old in 13 months. Do I have to be worried? Is the fact that capital one and previous DCA's struggling to enforce this a good sign that I can still fight this??

I've received a letter from Fredrickson International. Asking for money etc giving me details of the solicitor they'll use if I don't pay up......... what next???

I sent the letter to Lowell, they have sent a reply today stating: Your letter has not raised any further points and therefore I feel that my previous letter, dated 19th November, adequately answered all of the concerns you had raised. In light of the above, any further letters will be noted but not responded to. Your account is currently being managed by Fredrickson International. Therefore, please contact them on 0845 313 6613 to discuss an affordable payment proposal. This letter represents my final response on this matter. If you wish to dispute my decision the Financial Ombudsman Service provides a dispute resolution service to assist customers who fel their complaint remains unresolved. You have the right to use this service for up to six months from teh date of the letter dated 19th November 2014. I have put in a complaint with the FOS. Any idea if i should do anything else in the mean time? Thank you

Good morning, I wrote to Lowell and reiterated the questions asked. I messaged FOS stating what you mentioned and Lowell have written back to me again saying exactly the same thing suggesting the points were answered previously etc. Thanks

No, the letter states: I have further reviewed your account and can confirm that all the points were answered in my previous response. In light of the above, I believe that the outstanding balance is fully due and owing. I have enclosed a copy of these documents for your perusal (nothing enclosed). I would ask you to contact our Customer contact centre to discuss repayment plan.... yayayaya This letter represents my final response on the matter, if you dispute this contact financial ombudsman....

no answered points... i'm sending the letter again

Thank you, I have just recieved a letter today saying that they are continuing to persue the debt and if i have an objection I should contact the financial ombudsman.

third time lucky

Ok, thank you

Ohhh I've just got a DCA letter from a company called Lowell. Do I just send the account in dispute letter to them?