Hi all, Not sure if this is the right place to post this, if not please can a mod move it to the correct area. I've received two letters from Bryan Carter Sols for two accounts that Lowell are chasing. the first one has the correct account number and the second one has two digits missing from the end. Both accounts had been placed in dispute (2009). Bryan Carters' letters states that he will recommend proceeding to be issued after 14 days. I wrote back, telling him one account was placed in dispute in 2009, and I do not recognise the other account number apart from being similar to an account that was also placed in dispute in 2009. My letter also stated, if their client feels they have the right and valid reasons to go to litigation then they should contact me with any supporting documentation and their legal rights to the accounts. I also made it clear that I would defend any claim. Response letter fro BC Sols: Account on hold, and awaiting clients instructions. Received two letters the day after from Fredrickson International Ltd (one for each account) Saying that neither their client nor the OC have any records of a dispute on the account, and I should forward and correspondence evidencing a dispute or contact them with payment proposals. I've copies of the letters sent in 2009 of the s.77/78 request and of the in dispute letters both with proof of postage. the question is should I send them or just wait for there next move? thank you,

Hello, I'm looking for some help with a Barclaycard debt. The card was a Morgan Stanley which got sold to Barclaycard, the account was opened in Dec 06 and defaulted in Sep 10 with a balance of £4K. I received a welcome letter from Fredrickson International taking over from Lowell in August and replied with a prove it letter. Today I received a reply from Fredrickson which included what looks like a digital application for the card, the application is populated with my home/work details so must be a copy of the actual application. The application does not have my signature but page 2 of what they sent acknowledges a digital signature for me. I've uploaded what they sent me although I'm not sure if it viewable (any suggestions on how to upload it correctly appreciated). Today I sent off a CCA request as I never actually made one in the first place, only a prove it letter was sent by me. I was wondering; Is what they sent any use to them for enforcement purpose? Would the document satisfy my CCA request if they reply with the same document? Where do I stand with this? I've have a faint understanding that they need my actual signature on the agreement to make it enforceable as the agreement is pre April 2007, I think I'm on the right track but need some human advice. Any help is greatly appreciated. Thanks.

please help , l desputed my bill with o2 beginning of last year and they sold my debt to Lowell , l didn't receive any warnings about this except getting letters that l owe Lowell, neither did l get a default and cancelation fee which l asked for in the first place when my phone was disconnected, I have received a letter from fredrickson saying they are representing Lowell and they need me to pay or send me to court through bryan carter l contacted o2 they told me the bill was correct and still lm disputing it , they then tell me if lm disputing the bill l call them but for paying for the bill l pay Lowell, am l right in thinking this bill doesn't belong to o2 anymore as they have said l pay it to Lowell I am l eligible in paying the bill bearing in mind l already have a default in my credit file, can bryan carter take me to court for this, ? I haven't paid them a penny and have not responded to Lowell's letters except when l received this one last week from fredrickson saying if l don't pay they will instruct bryan carter their solicitors l then contacted o2 to find out why they had sold my bill and that l was still not agreeing with the charges and no one seemed to want to help me how is Lowell, fredrickson, bryan carter related as l am not getting how this is becoming a string here is the ;letter l wrote to fredrickson this letter Dear Fredrickson, Accountno: (number) You havecontacted me regarding the account with the above reference number, which youclaim is owed by myself. I wouldpoint out that I have no knowledge of any such debt being owed to lowell. I am familiarwith the Office of Fair Trading Debt Collection Guidance which states that itunfair to send demands for payment to an individual when it is uncertain thatthey are the debtor in question. I wouldalso point out that the OFT says under the Guidance that it is unfair to pursuethird parties for payment when they are not liable. In not ceasing collectionactivity whilst investigating a reasonably queried or disputed debt you areusing deceptive/and or unfair methods. Furthermoreignoring and/or disregarding claims that debts have been settled or aredisputed and continuing to make unjustified demands for payment amounts tophysical/psychological harassment. I wouldask that no further contact be made concerning the above account unless you canprovide evidence as to my liability for the debt in question. I awaityour written confirmation that this matter is now closed. Otherwise I will haveno option but to make a complaint to the trading standards department andconsider informing the OFT of your actions. I/we lookforward to your reply. Yourssincerely, was this right ? but whats next ? can they still come back with something l cant handle ? please help me to deal with these people

I need advice with regards to Bryan Carter solicitors. Bryan Carter took out a CCJ on 16/09/11 for total amount of £1061.29 and the claimant was with phoenix recoveries (shown on judgement). I receive letter on same date of judgement 16/09/11 saying that phoenix has assigned all rights to arrow global which was effective on 13/05/11 and all future payments to go to fredrickson international limited. I then receive letter 28/09/11 from bryan carter to pay them and now the amount has gone up to £1101.29. At the time I was going through a very bad time so didn't even read the letters properly. I am trying to get it sorted,and have been paying it off, have £500 left to pay. What i am confused about is how can Phoenix be the claimant on judgement when it was arrow who had the debt, I have sent an email last year to fredrickson and never received a reply. Another thing I receive my credit report every month and received an update last week stating that Fredrickson have removed details about themselves from my file, why has that happen, I still have the judgement showing but not saying who it is with? Sorry for all the info but I am very confused with all the above. If anyone can give me advice on the above I would be very grateful . Thank you for reading the post.

I would hugely appreciate some advice relating to historic debt on my credit file now shown as in default: Looking on Noddle I have 3 things in default: The first of which is a small sum with an 'account start date' of 29.10.2007 - this date pertains to the date at which a purchase was made. This is being shown on Noddle as in in Default (D) every month of this year. The debt collection agency has written to me but I have not acknowledged their letters nor calls. They have apparently applied a default date of 29.06.2009 - some 2 years after the credit was obtained. The second of which is again with a DCA, the 'date of default' is 10.05.2010 and on Noddle only one default sign can be seen and it pertains to August of 2013 (why is this date of default much later than the date of default in which it was originally raised i.e. 10.05.2010??) In both of these debts I have not acknowledged these nor responded to letters. What is the process surrounding a statute barred debt in these particular examples? Why is the DCA updating the file each month with Defaults when the original date of default as shown on the report is 29.10.2007 and 10.05.2010 respectively? Account Start Date Date of Default Defaults (2013)? 29.10.2007 29.06.2009 Monthly 24.09.1996 10.05.2010 Sep only The final debt is an unsecured loan taken via a bank on behalf of a partner who failed to pay me back. Start Date Date of Default 01.11.2005 14.06.2009 The defaults are shown monthly. They have written to me 2 occasions since 2005 and I have not written back nor spoken to them. Can anyone advise me on this? Any more information required please feel free to ask me. Yours faithfully.

After receiving(and ignoring) several threatening letters from FI I have decided to respond to them by letter. I do not want to phone them and go through what would undoubtedly be listening to their bully tactics over the phone which would result in me telling them to 'foff'! My current debt with them is £1200 from the ridiculous HMRC late filing penalties of self assessment forms etc which has now been filed, although I seem to still be accumulating interest on the debt?! As I was laid off in November my only source of Income at the moment is Job Seekers Allowance which gives me £280 per month, and £200 of this goes to the parents for rent(forced to move back home ). Due to my lack of income Ive decided to offer them a repayment plan of £50 per month and this is the letter I have written: Fredrickson International Limited PO Box 260 Weybridge Surrey KT13 0YH 20/05/2013 Ref: Account No: **************** Dear Fredrickson International, I have been receiving letters regarding my HMRC debt of £1200, I fully intend to repay this debt but at the moment I am unemployed. My only source of income Is Job Seekers Allowance at £280 per month, 200 of which goes to my parents for rent. I do not currently have a bank account and my JSA is paid into a post office account, therefore I would like to request a payment card where i could pay £50 per month towards this debt until I find full-time employment where I would then increase my repayments. Also I do not currently have a contact number as my mobile phone contract has ended and I cannot afford to set up a new one, so further correspondence would have to be by e-mail or via letter. I hope this is all satisfactory as it is the best I can do due to my current circumstances. Yours Faithfully, *********** I'd appreciate some advice on whether or not this letter is correct in what i should be sending etc, thank you!

Hi I am new and I was hoping to get some advice and help. I have been receiving calls from fredrickson international which I assume concerning my late vodafone bills from what I read from the other similar threads. I am a student in university and have been a loyal vodafone pay monthly customer since 2009 and never been late with bills untill recently and very much disappointed with what vodafone has done I called them in advance to let the know that I will be late for my bills for a few months however evidently the phone call was not documented as a result that lead to Fredrickson International pestering me with calls and texts. I have not been able to answer their calls as I am currently having exams however the constant calls have cause me a lot of stress. I was hoping to resolve this preferably with vodafone not fredrickson to come to a certain agreement for me to pay monthly again at an amount that is affordable. I am barely making ends meet with part time jobs and university. Please Help. Miss MA

Hi I ve just received a letter from these saying they are now authorized by Lowell financial for a debt i got with capital one , i have never had any dealings with anybody except capital one , but i have been unable to keep up with repayments with capital one , but was never told that my debt had been passed on Could you please help Thanks Ian

Hi, my partner received a letter from Bryan Carter llp today stating he has been instructed to write regarding an outstanding debt. Its being chased by lowell financial ltd, passed on to Fredrickson itl. It is owing to HSBC for an overdraft of £1006.18. We have checked her credit report and nothing related to this is showing as the account should have been defaulted around 2004. There has been no acknowledgement of this debt for at lest 8 years so my guess that is should be statute barred. What is the best course of action with this joker as his letter is stating he will recommend court proceedings if full payment is not received in 14 days, normally I would ignore letters like this but the wording is different from others.

Hi all, I was hoping you may be able to give me some advice. The background is this:- I had a credit card with CapitalOne but after poor health left me unemployed, I struggled to pay my bills and ended up using the card to pay for food when things got really bad. Unfortunately, I ended up going £6 over my limit and despite informing them of my situation (albeit via phone), the charges and interest just spiralled out of control until they had added hundreds onto my debt. They were calling me and my dad up to 5 times a day and I ended up reporting them to the Ombudsman - a great move as they stopped the harassment then. I had found the CCCS and was able to use their help to get the £1 a month agreement with CapitalOne. I have never missed a payment but they had defaulted it anyway and that has stopped me getting any credit (and places to live because of it!) since 2009. My health has actually deteriorated and as the debt is now about £721, it would never be cleared in a reasonable time like this but I have no other option. I recently accessed my credit file and my history on that is great - it is literally only capOne that shows up as 'red' for the 2009 default. This is where things got interesting... I had also noted that my other creditors (4) all show our arrangement of £1 a month with every month listed and up to date. The CapOne debt however only shows the default in 2009 and no other payment is recorded on there, to show that our arranged payments are up to date. I called them and I asked if they could please show this on there, like the other creditors do (I've got no statements from CapOne either to show any of my payments over these years but have from the others). The answer was "No" - "not the way we do things". As I can't see my financial situation improving, this would mean having problems in my credit history for ever! I explained that I was concerned about that as my situation was brought about by my disabilities and was simply told that it is "important to keep your payments up to date so that your account stays with us". .. This is where I told them that I would rather it was with someone else, that may show my payments to them are up to date. I was then informed that if I missed 2 of my payments, it would be passed onto a debt collection agency. I let them have a 'care of' address (my dad's address) as I was moving soon but did not know my forwarding address yet but my mobile number was still valid if they needed to talk to me. I stopped paying and waited... Sure enough, about 8 weeks later, I got a letter from Fredrickson's to my dad's address and had some missed calls on my mobile, with messages for me to call Fredrickson's. I also found out however, that they had also been harassing my dad with calls - not a number I had ever given them and this made me think twice before contacting them. I researched them on here instead and the general advice was not to call them but to ignore them and so I have been doing that, in the hope that they will give up and pass the debt on again to someone else. I then got a letter to my new address, which I had obviously not given them, that was asking for confirmation of whether I lived there. I ignored it. Today I got a letter from Bryan Carter Solicitors though and I've seen what they can be like from threads on here so this is when I thought I should ask for advice. I tells me that I must contact Fredrickson's within the next 14 days to arrange repayment, failing which they will recommend that proceedings be issued against me and it lists the costs. It then goes on to tell me that I can avoid the account being formally referred by calling Fredrickson's 'immediately' and that this is a 'serious matter' and that I 'may wish to seek independent legal advice'. Can they issue legal proceedings if I have had no communication with them and have not confirmed this as my address or is this just another scare tactic to illicit a response from me at this address? If I should respond, does anyone know if they would show my payments as being up to date on a credit file or are they just as bad as CapOne? Should I be sending a SAR to CapOne or a CCA to Bryan Carter? Any advice is greatly appreciated. If they obtain a CCJ against me, it would defeat the object of trying to rescue my credit history so that is definitely something that I do not want. Apologies for the essay!

Hi I was wondering if anybody could give me any advice on how to deal with this debt problem I'm having. The whole issue started when I attempted to cancel my 24 month Vodafone mobile phone contract over the phone in February 2013 just before I made my final payment of the 24 month contract. Just as I thought my contract had come to an end (one which I could barely afford as it was £40 a month, and during the last year of the contract I was unemployed) a couple of months later I received a letter from Vodafone explaining I had an outstanding balance of £143.00. I contacted Vodafone and explained my situation to an advisor (who was completely useless) who told me I was still under contract with Vodafone as my contract had been rolled over without my permission even after cancelling my contract over the phone, the advisor told me the reason I was still under contract with Vodafone was because I hadn't been put through to Vodafone's cancelations department when I telephoned to cancel my contract, I asked her to end my contract as I was still being charged for line rental but she couldn't do that for some reason. The thing that really annoyed me was I had taken out a new contract with Talk Talk and had not used my Vodafone account for 2 months, so I was being charged for line rental that I was not using even after trying to cancel my 24 month contract that had been paid in full. I eventually went to my local Vodafone shop where the sales assistant helped me terminate my contract but could not wipe the outstanding debt, and here is where the troubles started. First I received a letter from Fredrickson International saying I should contact them over the outstanding debt of £143.00, which I did over the phone explaining I had no intention of paying as I had canceled my contract with Vodafone after paying my 24 month contract in full and they had rolled over the contract without my permission, they then asked me how I canceled the Vodafone contract to which I replied over the phone to which I was told I should have done it in writing 28 days before my contract expired. I then received many phonecalls from Fredrickson which I mostly ignored as they would not listen to reason and were often quite obnoxious. I also received more letters from Fredrickson demanding payment in full or proceedings would be taken which would increase the debt to £208. And today I received a letter from Bryan Carter Solicitors demanding payment in full within 14 days or proceeding will be issued increasing the debt to £208.36. Could anybody give me some advice on this issue it would be greatly appreciated.

Hi, In March I made JD Williams/Reliable Collections aware of my mental health difficulties, while attempting to negotiate repayment of my debt to them via email. Eventually, they insisted that I call them to discuss things, but I refused and said I would prefer to communicate by email. After that, they stopped replying. To my knowledge, guidelines say they're meant to keep debt in-house for customers with mental health issues. Is this correct? If so, what courses of action are available to me now they've sold they debt to Fredrickson (I don't seem to have received a Notice of Assignment from either party).

Hi Everyone, I'm posting this again as I was concerned that it wouldn't be easily noticed tucked behind another thread. I found this forum a couple of weeks ago when I Googled Allied International after they had left me a voicemail asking me to call them. I also received a WARNING card from them informing me that they are acting on behalf of their client LTSB and I should contact them urgently. I had a Goldfish loan which I paid for four years without any problems until I started having difficulties back in Dec 07. I contacted LTSB and asked if I could reduce my payments to £150 a month and they agreed. I continued to make regular payments until I became unemployed in May. I informed them of my situation and asked them if I could make a minimum payment of £2 but they refused and sent the debt to their own debt collection department. I made the £2 payments regardless. However, last month those payments were returned to my bank. The debt was £3,000 in May. I sent a CCA request to Allied International on 10th Oct. I received a phone call last week and I told them I will not discuss anything on the phone. This morning I got another call and again I told them to correspond in writing. They claim they have responded to my CCA request and I should have received it by now. Then he said his work is done and hung up. I took this as a subtle threat that they are about to do something. Could someone advise me what I should do next? Should I just wait for the 30 days to expire and send the 30 day letter? Many thanks.

Oh Joy http://www.lowellgroup.co.uk/index.php/news/

Hi folks, Hope as always someone can help me from this great site. About 3 years ago my girlfriend was contacted by the HMRC and told she was overpaid tax credits and she needed to repay, she ignored them out of anger as she thought it their fault and was hit with a lump sum demand out of the blue. She's told me that she hasn't heard anything else until 3 weeks ago when they demanded repayment again, again she ignored them, but last week she got a letter from Fredrickson International, of which the contents are below :- Dear Mrs xxxxx, We have been instructed by HMRC who has passed this account to us for collection. We are appointed as their agent to act in this matter and you should now make sure you contact us in connection with the payment of this debt. If you are experiencing financial difficulties which are preventing you from settling this debt, you must tell us now to avoid further recovery action. We will work with you to find a method of repayment that suits your circumstances. Detailed below are up to 20 of the most recent items. Payment reference no. Date Tax year due Amount xxxxxxxxxxxxxxxx 05/04/2010 2010 1235.20 xxxxxxxxxxxxxxxx 27/07/2010 2010 101.86 xxxxxxxxxxxxxxxx 27/07/2010 2010 136.44 Total 1473.50 If you recently made a payment or need help in understanding how this figure is calculated please contact us. Alternatively you will find links to websites which you may find helpful overleaf. YOU MUST CONTACT US IMMEDIATELY ON 0845 0349812 AND THE PAY THE BALANCE IN FULL. Payment should be made to Fredrickson International Ltd and can be made by credit card, which will attract a 1.4% administration fee,or you can pay free of charge by debit card. Yours Sincerely Fredrickson International Ltd. Anyway, two things came to my mind, why would a powerful organisation like HMRC pass this debt to a DCA like Fredrickson, and can they enforce the debt repayment???? Again with these people it seems they are slow to payout, but woe betide you if you are overpaid. Is there a letter template i can fire off to this DCA, does anyone feel??? Finally Fredrickson's grammar leaves a lot to be desired, plus they got my girlfriends NI number wrong, which is the payment reference number as above. Any replies/help/advice would be most appreciated, i'm off to work now but back online later. Regards Steve

Received a new one this morning page 1 from Orange saying they sold the account to Arrow in Dec 2012. Page 2 is from AG, "Notice of Assignment", telling me Fred's are the ones handling it and to contact them, with a "fair processing notice" at the back, which I haven't scrutinised yet. Page 3 is a cute "FAQ" page with little speech bubbles in pastel colours and whimsical fonts. Now then, has anyone already seen these/scanned them on here? I'm happy to scan them later on if not, but not to do it if it's old hat, lol. Like I said, I have never seen this one before, but then DCAs have been giving me a wide berth for a while, lol.

Hi, I hope someone can give me some advice and I appreciate any help.... I had an old debt with the phone company Three, which I hadn't heard from in a few years until recently when the debt collection agency Fredrickson International, contacted me requesting payment. I admitted to one payment and set up a payment plan, but as soon as I'd done that I received another letter requesting a different amount, again on behalf of Three. This time I wanted to dispute the debt and so sent a letter with a £1 postal order requesting a CCA. They got back to me to say I must contact the original creditor for any documentation and that the debt has been put on hold for 14 days in the mean time. Is it right for them to say this? Do I contact Three for this information? Or should Fredrickson supply it, seen as they are the ones hounding me for the money. Surely, if they are asking for money they should be able to supply documentation? I'm not sure where to go from here...

Hi all, fairly new here and would appreciate a little guidance on this if at all possible. I have four different debts, two are current accounts/overdrafts, the remaining two are credit cards. All are now statute barred (I live in England by the way), last payment July 2006 and none show on any of my credit reference files. Should I just fire off the statute barred letter to each DCA and see what comes back? Any advice greatly appreciated! Rgds.

Hullo there, I need some ideas of how to address this issue please. My sister had a credit card account with Natwest from 2001 but along the way she had some financial difficulties due to bad health and could not maintain payment. She had arrangement with Natwest for instalment payment until around late 2006 to early 2007 when she could not continue. The account was then sold to Arrow Global Guernsey in 2011.Fredrickson has been writing since then my sister made a CCA request upon receipt of their letter to which they responded that they had forwarded the request to their client.Arrow global also wrote stating that they have made request for the docs and will forward it as soon as they receive them. To date, they have not provided anything but kept on sending letters. Byran Carter then became involved threatening court action. I then helped my sister and we sent a letter stating that she did not Acknowledge any debt. To another letter came from Fredrickson stating that my sister paid about £100 last year into this account. Which is not true. It very likely that the account is statute Barred. A SAR request was made to Natwest what they provided did not include statements. As it turned out now, there were default charges applied to her account by Natwest but instead of making the refund to my sister, Natwest sent it to Arrow Global and that is what they are claiming as payment made. Now does this start the clock? What would be the best way to deal with this matter? Does it mean that my sister has admitted owing them. They are also claiming that statements were sent in Oct 2012. The gap now is that there are not statements to confirm anything but Natwest did write in the past stating that they had made payment (refund) to Arrow Global. My sister protested but nothing was done. Any advise would help.

Hi All, i have a debt occured on a credit card with Capital one on the 12th Oct they wrote to me to advise the have passed the debt to Fredrickson to act on their behalf, I then got a letter from Fredrickson dated the 17th Oct advising to send payment immediatly etc. I sent them a CCA request on 22/10/2012 which was recieved on the 23rd Oct they sent an acknowledgement letter stating they were referring this to capital one dated 26th Oct and get back to me when they have received it. Today i have received a letter dated 6th Nov but date stamped for the 13th Nov, it states: I applied online for and signed for the account on line, they enclose a original agreement with Capital one, a copy of defaulted agreement (unable to find this enclosed) and T&C However further in the letter it states they are not required under s78 to provide a copy of default notice and statement of default, however they can confirm a statement of default was issued on 2nd Jan 2011. So basically i want to know if this is correct wether they do need to provide this too me, and also with me sending the original letter and it being received the 23rd Oct the 12+2 days would be up before they posted the letter out to me is this allowed? As i requested a reply within 12+2 days but only today received this. How can i proceed is this enforecable in court as there letter states it is and they will treat it as such. Thanks

Hi, my apologies if this is the wrong place for this. Any help would be greatly appreciated. Around a year and a half ago my son was living with me and had an account with a catalogue (Premier Man I believe it was). He ordered around about 70-80 pounds worth of stuff and against me knowing a great deal, never paid it back. He's since moved out and for some time now letters have been arriving regarding the debt. It was eventually passed on to another company and another etc etc. Most of the letters eventually had the usual 'WARNING' stuff and how he had a certain amount of time to pay it off. I opened one of these letters the other day which was from Fredrickson (Fredpay.com). It said how it was a letter before action and: "The DEBT MUST BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION. There remains a balance outstanding on this account and legal action is now being considered. Should it be necessary to issue proceedings in the County Court (or the Sheriff Court as may be appropriate), further additional costs will be added to outstanding balance." It then says the balance is now at 275 pounds after interest, court fees, solicitor costs etc. It then says if a judgement or decree is obtained and remains unsatisfied a bailiff or sheriff officer may be instructed to recover assets to discharge the outstanding debt. Of course then goes on to say how they accept debt cards etc and to go to their site. Of course the bailiff part is the part that's got me worried. I'm worried stiff of getting a knock on the door around Christmas to find bailiffs on my door threatening to take away my own belongings. Of course my son no longer lives with me and hasn't for a while, but I'm still worried that once they're here, they'll have none of that. Am I right to be worried and is there anything I should do? The last thing I want is anything like this happening over Christmas. Any help would really be appreciated.

Hi everyone - this thread might be a bit long and confusing so I apologise in advance Towards the end of 2010 I made a claim for jobseekers allowance. I was successful in my application and received the usual amount every fortnight in my account. During the initial Q&A over the telephone when making my claim - I made it clear to the advisor that I will be working in my dad's shop, unpaid, for less than 16 hours per week. On my sign on days i'd take along a sheet of paper outlining the hours I worked for my dad during the 2 weeks. Until one day when I went to sign on, one of the DWP staff said I'm not allowed to receive benefits because I'm working for my dad and that voluntary work only counts if working for charities etc. After that no money came into my account and I never bothered going back to sign on. On 30th Aug 2011 I received a notice of overpayment from the DWP for the amount that I received from them since the beginning of my claim. On 29th Sept I received a letter from Iqor chasing the amount. I had numerous conversations with Iqor and they kept putting the claim on hold for a week each time. I tried to speak to DWP but was going round in circles. time went on and on 2nd Dec 2011 I received a letter from Geoffrey Parker Bourne solicitors chasing the amount. I ignored it and I didnt hear anything at all until.. .7th Nov 2012! This time it's a letter from Frederickson International chasing the same amount. I keep receiving phone calls from them but I am ignoring them altogether until I seek advice from you guys. I have just received a letter on 20th Nov 2011 stating that Debt must be paid within 7 days, It's a "Letter Before Action" letter. Can my credit rating be affected by this as I have spent years repairing it and i've only just recently now been able to take out phone contracts and apply for credit cards successfully etc. What do I say to Frederickson? I see a draft letter here in this thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?116083-Help-with-fighting-Fredrickson-International-Ltd Shall I use this? Looking forward to the replies!

Hi there. Does anyone have an idea where I can get Fredricksons email address? I have tried everywhere but the only thing I can get is the http://www.fredpay.com , and I certainly have no intention of paying these idiots anything ! I will not phone these morons , but I need to tell them a thing or two !!. Any help would be welocme. Thank you

Hi all, I'm new here, hello to everybody and I hope you can help me out. I received a letter from Fredrickson International in early December 2011 regarding their client Arrow Global requesting full repayment of a debt of £****. (Just under £3000). This dates back from when I was a student , my world fell apart for several reasons, I could not afford to pay my student debts and so a quite bad spiral began. I replied with a template letter, contents below. Re:−*Account/Reference Number **************** Your ref:- ARR/******** This letter is a formal request pursuant to s.77/78 of the Consumer Credit Act 1974. I require you to provide me with a true copy of the credit agreement relating to the above account, together with any other documentation the Act requires you to provide.* I expect you to comply fully and properly with this request, within the statutory time limit. You are reminded that should you fail to comply with my request, the provisions of s.77 will apply. If it is your view that you are not the creditor, s.175 of the CCA 1974 applies in the case of a simple assignment, and places a duty upon you to pass this request to the creditor. In the case of an absolute assignment, you are a creditor as defined by s.189. If you contend that you purchased the rights but not the duties of any agreement, you are reminded that s.189 of the Act is clear that an assignment is of both rights and duties.* Your attention is drawn to ss.5(2), 3(b),6 and 7 of the Consumer Protection from Unfair Trading Regulations 2008 (CPUTR). If you are unable to comply fully and properly with this request, you should confirm this in writing at the earliest opportunity, and certainly within the statutory time limit for compliance, and return the fee. With reference to the above agreement, I/we would be grateful if you would send me/us a copy of this credit agreement and a full breakdown of the account including any interest or charges applied.* I/we understand that under the*Consumer Credit Act 1974 [sections 77-79],*I am/we are entitled to receive a copy of any credit agreement and a statement of account on request.* I/we enclose a payment of £1 which represents the fee payable under the Consumer Credit Act 1974. Note that these funds are not to be used for any other purpose. I/we understand a copy of any credit agreement along with a statement of account should be supplied within*12 working days. I/we understand that under the Consumer Credit Act 1974 creditors are unable to enforce an agreement if they fail to comply with the request for a copy of the agreement and statement of account under these sections of the Act. I/We look forward to hearing from you. Yours faithfully I received a reply from ARROW GLOBAL dated 22/12/2011 We thank you for your communication regarding this account. We have referred the matter to our client and will revert to you as soon as we are in receipt of instructions. In the meantime, we confirm that we have placed the account on hold. Yours sincerely Fredrickson International Ltd. I then received a letter from ARROW GLOBAL dated 28/12/2011 saying "We thank you for your letter dated 10/12/2011 addressed to our external agency Fredrickson International, which has been forwarded to us for our attention as assignees of the above account, which we received on 28/12/2011 and acknowledge your request for documentation pursuant to the Consumer Credit Act 1974. We do not accept that we are the creditor as envisaged by the above statute. However, we are willing to assist in abtaining that which has been requested. We will now process your request for documentation from the creditor and will revert in due course. We confirm that all collection activity will be suspended pending provision of the documents. We return the payment of £1.00. Your sincerely, Arrow Global." I still have the original postal order they returned. I then heard nothing until today, 23/10/2012, 10 months later when I received another letter from Arrow Global, "Dear Mr ******, DEBT OWED TO Arrow Global Guernsey Limited Assigned by RBS (Account number ****************) In response to a request for a statement under section 78 of the Consume Credit Act 1974, we enclose: 1. Agreement 2. Terms and Conditions 3. Statements The Office of Fair Trading deems reconstituted agreements acceptable for situations where an original copy is unobtainable. OFT guidance on requesting information about credit agreements can be found under Credit Agreements at http:/oft.gov.uk. In December 2009, the High Court ruled that a true copy of an agreement does not need to be a photo copy or an exact copy of the original. A creditor is allowed to provide a reconstituted agreement, as long as that version is accurate and contains all the original information contained in the agreement, apart from a few exceptions that the law allows, which includes the signature, signature box and date of signature. We confirm: a. the account is in default; b. The total sum outstanding is £****.**; and c. The amounts which will become payable comprise interest and costs, depending on what enforcement action is taken against you; Please now provide your proposal for repayment of you debt.; Failure to do so will result in the continuation of collection activity, which in your case may include litigation. Telephone the number below to make arrangements to pay your debt. *** ******** Yours sincerely, Arrow Global." Now I am confused, they said they were not the debtors and now they say they are. They have taken a very long time to come up with the reconstituted documents, is this correct and can they go to court with this and succeed? Are they allowed to put this account on hold like this? I thought there was a time limit for their replies ie. the 12 days? Please can someone give me a little guidance here? Thanks very much, Traintester

I have a large outstanding debt with natwest, i originally contacted natwest who told me that they would not accept my repayment option. i was then passed to Allied international who i completely ignored. they eventually stopped all contact with me and i recently started getting letters from fredricksons international again demanding the debt. the address they have always had for me was my parents, which i had used when first opening my account. but since then frederickson have managed to send them directly to my own home address. i have been ignoring frederickson after reading several bad stories and comments about them on here and other sites. earlier this week i received a letter from Bryan Carter about it. My issue other than the debt is that i dispute how much it is, originally account was a student account and my overdraft was £1250, when i finished uni a "friend" who worked for them, transferred my account to a Gold advantage, this started incurring charges and the interest was ridiculous. i could never put enough in there to start reducing the OD and struggled most months to even make the minimum payment on time. this got out of hand when after my second daughter was born, i missed a month completely and could never catch up with my repayments. as things spiralled, i buried my head in the sand and tried to pretend it would all go away - stupid i know. i called cccs around Christmas time, but never followed through with it and i have got another phone appointment with them on Monday to see how and if they can help me. the debt now stands at £1999.90 and has been frozen at that amount. Are there any suggestions/ letters/ ways of approaching this, as now I have unburied my head and am facing up to my debts. i have already managed to clear £1500 worth that i had also accumulated, but this is the biggest one i have left hanging over me.