Fredrickson International and Littlewoods CAT debt

[miziwizzi]

Had a call 2 days back from chao from F/I regarding a Littlewoods account. Not had any catalogues for at least 5 years if not longer and know nothing of outstanding balance so told him that I dont have account.

 

Refused to confirm my date of birth so he says he needs it for data protection and I ask whos protection.

 

He then says he need me to confirm my D.O.B or we cant continue the conversation so I said well I guess we are done then, thanks for calling and have a nice day!

 

no shock to get letter today from them.

 

Do these guys have form for buying very old debts? not that I think I owe it anyway.

[postggj]

you better believe they do

i had them chasing me for an orange debt from 1998

they even put there dogs brian carter on me

 

ill have the last laugh

they are now in receipt of an n1 claim from me for damages

[miziwizzi]

Ok thanks for that I figured that would be the case.

 

They said tey had been instructed by Westcot but I really have no idea about it, will check out my credit file.

[miziwizzi]

So I got another letter yesterday from these numbties, also received my credit file showing claimed account settled 3.5 years ago!

 

I know I shouldn't of but I just called them, hehe.

 

Confirmed name etc then straight out of door girl said, "can I take your debit card number"

 

Told her that was rather presumptious to which she replied " no its not its my job" tehe.

 

Told her no intention of paying you, this account is showing settled on my credit file and she told me the balance was still outstanding and must be paid, I then told her I would be writing to them to request a valid CCA and full account breakdown and she got snotty, saying there was a £54 discount if I paid it which she would leave on the account for me.

 

So guess I will be sending a CCA request to them later today.

 

What numbties this lot are!

[miziwizzi]

Ok have now checked all 3 of my credit files, no mentio of this supposed debt anywhere, which confirms even further to me that it does not exist, only one mentioned was settled in 2005.

 

Is there a diff letter other than CCA request that I can send?

many thanks.

[berrylover]

Certainly is, remember unsigned and recorded delivery.

 

 

I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY.

 

Dear Sir,

 

Account no:

 

You have contacted me regarding the account with the above reference number, which you claim is owed by myself.

 

I would point out that I have no knowledge of any such debt being owed to (insert company name).

 

I am familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question.

 

I now require all further correspondence from your company to be made in writing only.

 

I am of the view that your harassment of me by telephone puts you in breach of Section 40 of the Administration of Justice Act 1970, and the Protection from Harassment Act 1997.

 

If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to OFCOM, Trading Standards and The Office of Fair Trading, meaning that you will be liable to a substantial fine.

 

Furthermore, should it be your intention to arrange a “doorstep call”, please be advised that under OFT rules, you can only visit me at my home if you make an appointment and I have no wish to make an appointment with you.

 

There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance.

 

Please treat this also as a formal complaint, and send me a copy of your company complaints procedure.

 

Be advised that any further telephone calls from your company will be recorded.

 

I await your written confirmation that this matter is now closed.

 

Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I look forward to your reply.

 

Yours faithfully

[miziwizzi]

Have had communication from these muppets that account is on hold for 20 days whilst they request CCA from their client! hmmmmm Im waiting.

 

Had a wriggle with them though, they demanded proof account was settled 4 years ago, I told them to look at my credit file which clearly shows it was and to prove otherwise.

 

Of course there is no CCA but will await their next move.

[miziwizzi]

Received confirmation that this account is closed. yay!

 

There is no outstanding balance on the account and as I thought it was settled several years back, would of been nice to get an apology for the hassle in proving no monies were owing but oh well!

[berrylover]

They will probably pass it on to some other bottom feeder. If you have any more communication about it, just send the same letter again to whoever contacts you. Well done you!!!

[ska1664]

I had a run with this lot as well sent them bemused letter and had the same reply as you.

 

Well Done !

 

ska

[miziwizzi]

My dealings with them were not too bad I have to say.

 

My credit file clearly shows that I settled the account so there was not much room for them to move on, once I pointed this out to them it was resolved promptly.

 

Hope it does not get passed along seeing as there is no debt!