Fredrickson International

cantfindanamenotin

Hi everyone aftermy second prove it letter which i posted 1 week ago I have recieved a letter from FI's solicters saying that i have failed to pay there client and if i dont pay in 14 days they will be advising there client to take court action.
I need some advice-
They have not supplied me with anymore proof
So I am going to report them (I have obtained the forms from the national debt helpline)
Is there a letter I can send saying again they have not provided me with 'proof' and that i have logged a formal complaint.
It looks like I will be going to court I dont mind a ccj if I lose - i have poor credit im on a very low income - so i would rather a court decide what I have to pay rather then the dCA bully me into agreeing a price i cant afford.
WHat is driving me mad however is they are probably going to get me to pay something i dont owe - I really dont believe i owe that money - I have all the letters they have sent me and my replys - they have not ever sent sufficent proof , how can they take me to court and claim money when they are not sending me the proof i owe this debt.
They have sent me one 'phishing letter', then a 'you owe us this' then a 'letter before action' then a 'lettter with a payment card' which is around the same time i sent my prove it letter - They then sent me that letter 'you paid carphone warehouse in june 2007 so you owe it' I sent another prove it letter saying I do not accept liabilty and never have - and now i recieve this -
Like I said I know how to log a complaint but what should i send to the DCA's?
A family memeber had dealings with the same dca and said they sent her a letter for a phone bill - she paid it and a while later she recieved a letter from another dca for the same bill (but stating a different amount) she looked into it and both companies were the same dca trading under different names - she says she will also log a complaint as she has all the letters they sent and proof.

fermi

Dear Sirs

Complaint

On [date] I wrote to you regarding the account with the above reference number, for which you claim I owe £xxxx. I pointed out that I have no knowledge of any such debt being owed to [The Loan Company]. I asked that no further contact be made concerning the above account unless/until you could provide evidence as to my liability for the debt in question

Despite this, you have continued to write [and phone] and make demands for payment.

I wish to complain that you have breached the following sections of the OFT Debt Collection Guidance 2003:

[copy and paste the sections] https://forums.moneysavingexpert.com/discussion/2992820

Furthermore, your unwillingness to address my queries and complaints is contrary to the Civil Procedure Rules.

This has caused me considerable distress and I consider it appropriate that you compensate me for this.

A complaint has been prepared and will be sent to the OFT and trading standards.

I look forward to hearing your proposals.

Yours faithfully

cantfindanamenotin

Thanks :j
Really appreciated - You have all been such brilliant help.
Will send the letter tomorrow - I will do registered mail usually i just send it normally but have a feeling they will ignore this letter.
Thanks again

cantfindanamenotin

Hi I read through and qouted the following :
[FONT=&quot] [/FONT]
[FONT=&quot]UNFAIR BUSINESS PRACTICES
Communication[/FONT][FONT=&quot][/FONT]
[FONT=&quot]2.2,e: failing to provide debtors or creditors with information on status of debts, for example, not providing requested balance statements when reasonably requested[/FONT]
[FONT=&quot]Physical/psychological harassment[/FONT]
[FONT=&quot]2.6 h . ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment
Can you see anything else they have done that deffo applys to my case (sorry to hassle you but you seem to know what you are talking about) - I have seen alot of posts regarding this company but no one else seems to have recieved a letter from this companies solicters. It seems they are willing to take it to court but why wont they show me their evidence??
[/FONT]

fermi

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

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

There have been plenty of so called "solicitors" letters from this company I think.

If they are daft enough to go to court, then they are going to come unstuck. The debt isn't yours, and you can show that they have ignored the pre-court rules that require that they try their best to resolve disputes before going to court..

cantfindanamenotin

Thanks again.
The more i read on here the more i find threads where people are getting letters from FI. regarding phone debts that were written off, disputed etc. I was scared of going to court at first but im fine now - they have caused me so much stress i almost would rather it be dealt with by a court then by them because i am sure they are lying / bluffing to make money. do i need to respond to their 'solictors' letter too or just to them.

anniecave

I would guess a solicitors letter is just the next stage in a letter sequence. Debt collection companies operate by issuing letters in a sequence, getting more threatening as they go on...

If you already have an outstanding query (which you do, you have asked them for details of the alledged debt) and you have already raised it with the relevent place, then you can ignore a solicitors letter that they shouldn't have sent you anyway!

In my opinion anyway...

cantfindanamenotin

Hi everyone;
I recieved another letter today (i only sent my complaint yesterday) it says:
Thankyou for your communication the contents have been noted (I assume they refer to my second prove it letter)
The original creditor in this matter is o2 and the outstanding balance relates to a mobile phone contract taken out on the 18th June 2007.
It is our clients policy to provide invoices at regular intervals and in this regards verification of the claim has previously been provided and further copies were sent to you on the 31 march 2011, albeit that receipt of services is enough
(this is a lie i never recieved this and the first contact i had about this was the soft letter in from fredrickson in july - this is an outright lie - what can i do????))
WE NOTE THAT YOU HAVE ALREADY ADMITTED LIABILITY FOR THIS DEBT AS YOU LAST MADE A PAYMENT IN THE SUM OF £135.89 direct to out client on the 31 July 2007
(the payment is nothing to do with this bill or alledged debt)
We have been instructed by our client to act as agents in relation to the collection of the outstanding balance which they believe is lawfully due from you and having reviewed your account we deny that we or our client has perpetrated harassment
(Bare in mind my complaint was sent yeaterday I think that this, the last letter and the letter from their soliciters is harrassment)
As we have no record of a valid dispute in this matter we have clarified our position and that of or client we look forward to hearing from you with your payment proposals.

What can i do now - help?? -

fermi

If your complaint was only sent yesterday, then wait for a response to that.

If they again ignore your complaints, then make the official ones to the OFT, FOS, whomever.

cantfindanamenotin

Thanks Im just concerned they sent this in the letter:
'It is our clients policy to provide invoices at regular intervals and in this regards verification of the claim has previously been provided and further copies were sent to you on the 31 march 2011, albeit that receipt of services is enough '

That is a lie - as in they completely made that up and thats very scary.
Still to be honest the letters are stacking up so they are really helping me reinforce my complaint - Ive started to prepare the paperwork already( any tips anyone??) As to be honest they dont seem to be taking a blind bit of notice to the rules or to my letters so I doubt they care about a complaint - seems like so many people have reported them for similar and they still continue..