Frederickson International

freckles_08

I have a debt that has been passed on to frederickson international.

The debt is an old one, I recently heard that if frederickson international dont have my credit agreement then im not legally bound to pay the debt.

Is this true?
And what should I do now?

stapeley

Basically yes. How old is it , could be statue barred ? If it not statue barred request a notice of assignment to prove they a legal right to pursue it , and a copy of a Consumer credit agreement .

freckles_08

dontthink its statute barred because ive had recent contact with them.

how do i request a notice of assignment to prove they have a legal right to pursue it?
I'm rubbish at witing letters and sounding like i actually know what im talkin about

fatbelly

How long since you either made a payment or wrote a letter acknowledging the debt?

Ames

What was the debt for? Some debts aren't covered by the CCA. However, if there's been a period of six years where you didn't acknowledge in writing or by making a payment that the debt's yours then you don't have to pay. Even if you've recently acknowledged it, if there was a period of six years before that then it's still statute barred.

freckles_08

The debt was for a contract phone bill, i payed my usual direct debit last month and havent have a continuous period of non contact for six years.

So, its definately not statute barred.
But i dont have a signed consumer credit agreement with them and they probably dont have the original one from my phone company.

How do i write to them asking them for a cca, and how long do i have to give them to reply?

Ames

Unfortunately mobile phone contracts aren't covered by the CCA. I'm sorry.

freckles_08

oh no, does that mean that there is nothing i can do and i have to pay it?

what do cca's cover?

fatbelly

freckles_08 wrote: »

oh no, does that mean that there is nothing i can do and i have to pay it??

It means you are liable for the debt and it is still enforceable.

freckles_08 wrote: »

what do cca's cover?

The consumer credit act covers hire purchase, unsecured credit and certain forms of secured credit (second loans) up to a limit of I think 25k