Fredrickson International!

fermi

Silent1 wrote: »

I have created a credit report site and they have put a default on my account. How do I take this off?

Dispute it with with Freds, and complain to the FOS as previously described. Add in the issue of the default.

And also complain to the ICO.

Silent1 wrote: »

I feel like I am going round and round in circles but I am just getting so angry.

That is what they they are trying to do. As said, that is their tactic.

Silent1 wrote: »

Also I have read they must notify me they are gong to default my account? I did not receive this either.

Not necessarily. If the original creditor sent a letter out, or had it in their original T&Cs then that is often all is needed. Assuming of course that it's your debt. As it isn't, then any default in not justified on those grounds.

Silent1

I am going to contact FOS today or tomorrow and also write to the DCA stating that I have asked for the signed credit agreement twice now and they can not provide it and continue to hassle me. I will also mention I am contacting FOS. The default was put on my account in March 2011 it seems and I was wrong about when the account was opened. It was opened in 2005. I have a number of green boxes showing payments were made from 2005-2010 and then they just stopped of course in September 2010.

Also Brian Carter are now involved in this and I received a letter from them.

I do not want to ignore the situation. I want to sort it out. I do not want letter after letter coming to my house for years.

Silent1

An update.

I complained to FOS on Friday. I have a direct e-mail for the guy I was talking to and his phone number. He has asked me to fill out a complaint report and scan and send all letters from the past 2 months and he will write to the original catalogue. I asked why them and not Freds and he said the debt is still with the catalogue, they just hide behind the DCA and make them chase the money down....I dunno, anyway....

I told him I have a default and they won't send me a signed credit agreement and also the debt is not mine which I told them 18 months ago and the debt was passed on to another DCA when I originally asked for the CA.

Lets see what happens then and if they will leave me alone or complain themselves

Silent1

FOS sent a letter out last week to the catalogue (not Freds) but I still received a letter from Fredkrickson yesterday. They said the usual stuff i.e this will ruin my credit and they will place something against my address (I forgot what it said) They also said as a 'good will gesture' they will amend my default and put it as settled if I pay within the next 48 hrs.

There is a few things wrong with this.

1. They will only amend and not remove (as I asked for) and they are trying to trick me. I am still not paying.

2. They have ignored my request for a signed credit agreement completey, this was also in the FOS complaint. Instead they have tried to use my worry (the default) against me and to get me to pay.

3. The last letter was from Brain Carter who said I had 7 days to pay. Now it is another 48 hours.

FOS said it could take up to 8 weeks for a response. Do I take this as their response and send it to FOS? The letters haven't crossed paths. I have never mentioned my default, now after FOS send out a letter, they mention it.

Thanks.

fermi

May not be a final response, but they are squirming at least. Sounds more like a standard collection letter.

Definitely forward onto the FOS. Re-iterate you complaints.

You should probably point out that Freds say that they have "bought" the debt. i.e. they are not acting on behalf of the original creditor, and have been sold the legal title to the debt. As such, they are legally the creditor. So copies of complaints from the FOS should go to Freds direct as well.

They say as a 'good will gesture' they will amend my default and put it as settled if I pay within the next 48 hrs.

:rotfl:Muppets. They would be obliged to mark it settled regardless if the debt was valid and paid, so that offer is ludicrous and meaningless.

Silent1

fermi wrote: »

You should probably point out that Freds say that they have "bought" the debt. i.e. they are not acting on behalf of the original creditor, and have been sold the legal title to the debt. As such, they are legally the creditor. So copies of complaints from the FOS should go to Freds direct as well.

When I first spoke to FOS they said they would write to the catalogue as they are 'hiding' behind the DCA. They have all of my letters that I have received, surely they can work out who to speak to? I will send them the new letter though and ask again why they aren't contacting Freds. I have a direct contact number and e-mail for the guy dealing with my case.

fermi

If Freds have legally bought the debt outright, then the catalogue is not "hiding" behind them.

Sounds like your FOS contact doesn't understand how debts can be sold, or mistakenly thinks it hasn't happened in this case.

The catalogue may have been wrong to sell on a dodgy debt, but Freds now own the account and are legally the creditor. Assuming they are telling the truth about the sale anyway.

There is sense in involving the original company, as they played their part. But Freds should also be directly involved in any complaint, as it is their bad practice, continued recording of a default in their name, and unwillingness to listen to valid disputes that is causing the current hassle. It's Freds that are required to act to put things right.

Bosniavet96

I had dealings with these people last year over an alleged debt which in fact was a mistake & the money was owed to me. What I want to say is that I phoned the number they gave & immediately realised there was something very wrong indeed. I mean, what company answers the phone with "Uh Hello" ? After confirming that I did actually have Frederickson International, I was then told I had to provide my full name, date of birth, postcode & home phone number before they could speak to me despite the fact I had identified myself & provided their reference number, & had pointed out that most of the details they wanted were not known to the alleged creditor they represented. I stated that I believed this was some form of scam, as they were requesting enough information to carry out fraud in my name & pointed out my concern at the way the call was answered, at which point they decided to refuse to continue the conversation & hung up.
Strangely enough, I never heard from them again.......
I believe them to be a bunch of cowboys chancing their arm & would not even bother to deal with them. The costs they would have to pay to take you to court etc would far exceed any "profit" they will make, so ignoring them would probably be the best policy.

fermi

Ignoring them isn't going to get this false default removed from their credit report. Which is most of the point here.

To do that, you have to force their hand.

Silent1

fermi wrote: »

Ignoring them isn't going to get this false default removed from their credit report. Which is most of the point here.

To do that, you have to force their hand.

I had no idea I had replies here.

Since CAB sent Freds a letter just before I went to FOS they have responded to CAB too and said my account is on hold for the time being until instructed further by their client.

I have spoke to FOS and they have explained the debt is still with the catalogue. On the letter it states client and then the catalogue name, which is still the catalogue. So I guess he is correct.

I have a letter typed up with the standard prove it letter and also a paragrapgh regarding the credit agreement that they have sent me which reads as the below

Regarding the credit agreement that was sent to me with one of your letters. You continue to state that this is what I would have received, however it states on this document ‘Please detach this copy as indicated and return it to us signed and completed’. If I have done this then please provide a copy for my viewing. Under the Consumer Credit Act 2006 it states any agreements before April 2007 should have a signed credit agreement. If you are unable to provide this then please remove any defaults that may be against my name.


I am not willing to sit back like I did before as it vanished for 8 month and then re-appeared with another DCA.