Nationwide Credit Card debt with Fredrickson Int Ltd and Bryan Carter

[bohomiz]

Hello Everyone

I am new here so please accept my apologises if I have put my post in the incorrect place.

 

I'm just writing for some advice.

 

In 2005/06 my then bank/building society Nationwide gave me a credit card with a £1000 limit on it.

 

Because I paid my bill promptly and more than requested

they increased the amount to £1200, an amount I went over by £400.

The amount due was £1622.98.

 

Due to this debt my accounts with this finance institution were closed - but this debt was outstanding.

 

I have over the years been sent letters from Fredrickson Int Ltd (FIL) but have never done anything about them,

 

mainly because I was unemployed and in receipt of JSA (Job Seekers Allowance).

 

In 2010 'they' tracked me down to my current address and sent me letters on this account, which I ignored but mainly out of fear.

 

But at the beginning of July 2010 I received a letter from FIL telling me that if I did not pay the full amount within 10 days then I would have to go to court

(I'm sure alot of people on here know what I'm talking about).

 

I telephoned FIL and explained [edit] that I do not have any money let alone the full amount,

 

that I was on JSA (I am now on ESA (Employment Support Allowance) due to depression) of approximately £130 per fortnight.

 

When I had finished explaining this he then said to me "Can you pay the full amount today?"

 

I then exploded and asked him if he had listened and heard what I had just said.

 

He then said "Can you pay half of it today?". Again I exploded.

 

I told him I could just about afford to pay £10 per month but he said that was not enough and said I would have to pay £50 per month

with the possibility of payments increasing from 50% to 100% in 6 months time.

 

I told him I could not afford to pay him £50 a month but said I could pay £20 per month at a push.

He agreed and took my first payment via a credit card,

my then checking account details for a direct debit set up for the next payment to be taken on 28th of July and the 28th of each month thereafter.

 

Apart from two payments not being paid due to insufficient bank funds

(but paid 2 weeks later after receiving a letter from FIL stating that if that direct debit is rejected I will have to pay the outstanding balance in 10 days),

 

I have to date paid £300 of this debt and have £1322.98 left to pay.

 

I recently changed my bank account and wrote to FIL informing them of this and asking for their bank details so that I can set up a standing order to pay said amount of funds.

 

They sent a bog standard letter of a direct debit mandate but as it had their bank details on it I set up a payment transfer on my new checking account and paid them £10 via their website.

 

Due to my being on benefits a lot of my bills are at the end of the month and I cannot afford to pay them in one large amount,

so setting up payment transfers my end allows me to pay half mid and end of the month.

 

Only FIL don't like this and straight away I received a letter saying that I have broken my contract (nothing signed - all verbal)

in not paying £20 per month and the usual that I will have to pay the full amount in 10 days.

 

I telephoned them and explained the situation in that I was paying £20 per month

but in halves via my bank and then I was told that they only accept payments by direct debit

and I must complete the form and return it asap.

 

I refused to do this and basically told them tough, so again I was threatened with having to pay the full amount in 10 days. I'm not budging on this one.

 

What I'm wanting to ask is do I have to pay this debt when the government are bailing out banks and building societies with 100 times more money than I owe Nationwide,

or do I have to pay it?

What will happen if I refuse to pay it?

Will I have to go to court and/or prison?

 

I apologise if I've been a bit longwinded in explaining this but I have a mental disorder that causes me to explain things in full.

 

If anyone can help either way I will be very grateful for your time and input.

 

With thanks.

 

bohomiz.

[dx100uk]

shame you phone the little spoofers

you could have kept them at bay and gotten this statute barred by now

 

NEVER EVER phone a DCA ... everything in writing only!!

 

does this debt show on your CRA file please?

 

and STOP LETTING THEM CONTROL YOUR FINANCES

 

its YOUR MONEY, you TELL them what they are going to get

 

you are on benefits pay them £1PCM.

they will never go near court.

 

the OC [nationwide] prob wrote this off years ago and you've been had by a threat-o-gram and fell for it.

 

dx

[bohomiz]

Hello DX

Thank you for replying to my message.

 

I have only phoned FIL twice.

 

The first time in July 2010 when I telephoned them he was very insistent in having my landline AND mobile telephone numbers which I refused to give.

Since then it has all been in writing as I no longer have access to a landline phone.

 

I guess I fell for their Abuse Talk in their July 2010 letter which was the reason I telephoned.

It did make scary nightmarish reading to me.

 

So if Nationwide probably wrote the debt off, how come Bryan Carter/FIL feel they have the right to bully people into paying these debts?

 

And do I still have to pay it?

[dx100uk]

long shot

 

have you checked this debt shows on you CRA file?

 

dx

[bohomiz]

Hello

Sorry. I did read what you wrote about CRA File but I forgot to reply to it.

 

Can you please tell me what a CRA File is? Is it Credit Reference ? ?

[dx100uk]

yep

 

worth checking

 

dx

[bohomiz]

Would that be with Experian or another agency?

[dx100uk]

any will do

 

lets get your ducks inline before we chose their route

 

dx

[bohomiz]

Hello DX

 

Sorry the delay in getting back but I registered with Experian and had to wait until they had my details.

 

I have now activated the account and upon checking it the MY CREDIT SUMMARY SCREEN shows that my amount of outstanding debt is £343.00,

excluding mortgages and defaults (this debt is obviously my current live credit card).

 

I asked a question of why outstanding credit card debt is not noted and it stated that the company/organisation has not given the necessary information in regards to this.

This also appears to be for previous student loans (2000 and 2004/5) and my Glasgow City Council Council Tax.

 

I've just taken a look at the LINKED ADDRESSES screen and my details in regards to Nationwide (Visa) are noted but there is no amount of outstanding debt.

 

It seems strange that if these companies are so interested in there money why they haven't given Experian et al details of these outstanding accounts.

Is there a reason why they have not done this do you know?

 

Is there another screen that shows more of an indepth look at all my outstanding debt that I cannot currently locate?

 

I am very grateful to you for your current help with my situation and hope you will continue to give me advice.

 

With thanks.

 

Bohomiz.

[dx100uk]

look at print full report or view full report

 

if these debts are not list then tough luck for them

 

as long as the address at the time you took the card out is linked

and the debt shows £0 or not at al,l then the OC wrote this off year ago

and these little darling have been spoofing you.

 

but do check under view/print full report

 

dx

[bohomiz]

Hi DX

 

Thank you for your reply.

 

I have checked out the Experian website but cannot find the PRINT/VIEW FULL REPORT.

 

However, I have found a link called ACCOUNT INFORMATION which shows one held record and that is of my current live credit card.

It shows no other outstanding debts of Nationwide, Student Loans or Glasgow City Council Council Tax.

 

I have looked at every single screen/tab and none of the above outstanding debts are shown.

In regards to Nationwide/Fredrickson/Bryan Carter, does that mean that I do not have to pay this debt?

 

So what happens now?

I have cancelled the direct debit to Fredrickson for my next payment.

Do I write to them and if so what do I say?

Or do I just ignore any letters they send to me?

 

Silly question but I don't suppose I can claim back the £300 I have already paid to them under them being fraudulent can I?

 

As I said before there is a link with my name/address with Nationwide but no mention of any outstanding monies.

 

Again I thank you for your help and hope you will be able to assist me further.

 

With thanks.

 

Bohomiz

[dx100uk]

log-in

click on the my report blue tab up the top

above the profile information box

click show full report

scoll to account information

 

outside of 7am-12midnight the reports are limited

 

dx

[dx100uk]

this appears to be what you have done

 

so the debt does not show

 

at some point

its has had a period of 6yrs no activity

so has dropped off as now SB'ed

or

the default has passed 6yrs

 

end of

stop all payments and contact

 

advise your bank IN WRITING

not to honour ANY demands for payments on the [now] cancelled DD

 

advise your Credit card company that believe your card details have been compromised

and you wish a new card with a new number

inform them also NOT to honour any demands for payment from XXXX

 

make sure you do these things as they WILL try and raid your accounts

 

dx

 

 

dx

[BRIGADIER2JCS]

It should be remembered that because

debt is removed after 6 years on the account

it is removed PAID OR NOT so it is only an

indicator to the default date,and takes

no account of any payments that may have

been made AFTER the default was placed.

[bohomiz]

Hello DX

 

Thank you for the excellent news. I am very grateful to you for all of your assistance to me in regards to this situation.

 

I will make written contact with my bank and credit card company with immediate effect requesting them not to pay said company and hopefully my credit card company will issue me with a new card and number.

 

So I am assuming that if and when I receive letters from Fredrickson, which I will, I just ignore the letters and destroy them? Is that correct.

 

Also out of curiosity, can you please tell me what SB'ed means?

 

BRIGADIER2JCS: Thank you also for contributing to my situation. Your time is much appreciated.

 

Well I guess that extra £20 can go towards paying off my current credit card!

 

Thank you again for all of your help.

[bohomiz]

MESSAGE FOR DX

 

Hello

I'm back in the need for some advice because I have received a letter from FRIEDRICKSON in regards to my outstanding Nationwide Debt.

 

The letter reads as follows:

 

You have failed to honour your arrangement to replay this debt and your account is now in arrears.

 

(BOLD)Unless payment is received within the next 5 days the arrangement will be automatically terminated and the account will be passed to solicitors with authority to commence proceedings. (UNBOLD)

 

Payments can be accepted blah blah blah.

 

If you wish to prevent legal action blah blah blah.

 

This is your final warning. You must act now if you wish to avoid legal proceedings.

 

Yours sincerely.

 

 

Can they do this? I'm currently at my wits end as I'm sure you can imagine.

 

Any help and advice will be gratefully received.

 

I'm online tomorrow morning then off again for about a week to 10 days.

 

With thank

 

Bohomiz.

[martin g]

Hello,

 

It seems you live in Scotland which reduces the statute barred period to 5 years. I would try to find out from Nationwide when you made the last payment directly to them.

You may find that you had 5 clear years.

Martin g

[BRIGADIER2JCS]

Indeed so, check your credit reference files first,

the the date of the last payment or written acknowledgment.

Brig.

[Halibutt]

Just a quickie - don't destroy the correspondence you get from Frederickson (including envelopes) - keep it safely filed away, along with copies of any letters that you send to them. It may always be helpful for future reference.

 

H. x

[bohomiz]

Hello,

 

It seems you live in Scotland which reduces the statute barred period to 5 years. I would try to find out from Nationwide when you made the last payment directly to them.

You may find that you had 5 clear years.

Martin g

 

Hi Martin

Thank you for your time in replying to my situation.

 

I lived in Scotland at the time, now moved South.

 

If my memory serves me well my last payment made was end of 2005. I no longer have the paperwork in regards to this situation.

 

I don't mean to sound stupid but what do you mean by saying having had 5 clear years?

 

With thanks.

 

Bohomiz

[bohomiz]

Just a quickie - don't destroy the correspondence you get from Frederickson (including envelopes) - keep it safely filed away, along with copies of any letters that you send to them. It may always be helpful for future reference.

 

H. x

 

Hello Halibutt

Thanks for replying.

I still have some letters - I think - but not all. Over the years I've gotten rid of them as I don't have space to store paper (literally - I don't).

[bohomiz]

I find all of this confusing to say the least.

 

Over the years when I lived in Glasgow I received letters from Fredrickson in regards to this debt but did nothing about it until

 

I received a letter last June/July [2010] when I started repayment.

 

To date I have paid £300 from a £1600 debt.

 

The last time I probably made a payment to this debt was in 2005 and

I've paid nothing more since because I've not been able to but their threatening letters got the better of me.

 

I'm currently behind with about 2 payments (£40 in total at £20 per month).

 

I hope this information helps but any questions please ask as I'm online all day in regards to this situation.

 

With thanks. Bohomiz.

[flowerchild]

I don't mean to sound stupid but what do you mean by saying having had 5 clear years?

 

5 years during which you didn't make a single payment (not even £1) and didn't acknowledge the debt IN WRITING either

[bohomiz]

5 years during which you didn't make a single payment (not even £1) and didn't acknowledge the debt IN WRITING either

 

Hello Flowerchild

Thank you for your reply.

 

I did acknowledge the debt to first Westcott who had the debt and then to Fredrickson within the last 5 years but I haven't made any payments towards the debt itself.

[dx100uk]

statute barring is where a debt become unrecoverable due to the limitations act

which basically says that if YOU do not pay a debt for 6yrs or write a LETTER specifically saying 'hey this debt is mine' & SIGN IT - its dead an buried.

 

NO-ONE, not even a JUDGE can unbar a debt once its SB'ed.

once its SB'ed it falls off your CRA file

 

i think what has happened in your case is this debt [before last june/july] had become SB'ed.

 

the DCA wrote a spoofing letter to you in june/july

you paniced and started paying again [this DOES NOT reset the SB clock]

 

so they spoofed you into being a cash cow, [total profit direct to their pocket]

 

you've now found out the truth about how they spoofed you & have stopped payments.

 

they will pull EVERY trick in the book to make you continue to pay.

 

hence the letter.

 

pers i'd either ignore them

 

or write back

stating you welcome the chance to appear in court with them

where you will produce documentation that proves the debt is SB'ed

and that they bullied you & under duress you started to pay them.

 

they'll go nowhere near a court!!

 

i'd even go as far as state

should they not take you to court

you WILL take them to court

to recover the monies paid since last june/july

unless they are refunded within 14days.

 

can you please phone nationwide

1st thing monday and ASK

when was you last payment on this debt

using the details freddy gave you.

i'm pretty sure its SB'ed and you've been spoffed.

 

nice dca's are they?

 

dx