help please fredrickson international

joanneadams

they kepp sending me messages and when i tried to speak to them they said that the name and address was mine and the dob wasnt and would not tell me anything about it they wanted me to prove the dob by sending my driving licence there are no unsettled debts on my credit reports and i have checked all three experian equifax and call credit so dont know what its for should i send proof and deal with them?

fermi

You are not required to prove a thing to them.

Asking for a driving licence, DOB etc is very out of order.

Report them to the OFT etc...

Deceptive and/or unfair methods

2.7 Dealings with debtors are not to be deceitful and/or unfair.

2.8 Examples of unfair practices are as follows: a. sending demands for payment to an individual when it is uncertain that they are the debtor in question, for example, threatening debt recovery action to 'the occupier' or sending a payment demand to all people sharing the same name/date of birth as a debtor in the hope that contact with the correct debtor will be made.

b. disclosing debt details to an individual when it is uncertain that they are the debtor in question, for example, disclosing details to 'the occupier' of an address.

c. refusing to deal with appointed or authorised third parties, such as Citizens Advice Bureaux, independent advice centres or money advisers

d. contacting debtors directly and bypassing their appointed representatives

e. operating a policy, without reason, of refusing to negotiate with debt management companies

f. passing on debtor details to debt management companies without the debtors' informed prior consent

g. failing to refer on to the creditor reasonable offers to pay by instalments

h. not passing on payments received within a reasonable time resulting in delays that adversely affect a debtor's financial position.

i. failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued

j. requiring an individual to supply information to prove they are not the debtor in question, for example, driving licences, passports, full name, date of birth, signatures

k. not ceasing collection activity whilst investigating a reasonably queried or disputed debt.