Fredrickson International!

fermi

Silent1 wrote: »

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..

Well, you said this regarding Freds in your very first post.

Silent1 wrote: »

I have debt against my name which isn't mine. I requested a signed credit agreement from them in July '11. This stopped all attempts from them. Last month in Jan '12 I receive letters from a company called Fredrickson International demanding the money and saying they have bought the debt off another company (A company I have never heard of).

If other letters you have now turn out to say different, then it may well be the case that the orignal creditor still owns it.

Silent1

fermi wrote: »

Well, you said this regarding Freds in your very first post.



If other letters you have now turn out to say different, then it may well be the case that the orignal creditor still owns it.

I may have used the wrong wording. I meant passed on, not bought. My knowledge of DCA isn't that great. When they orginally sent me the letter it said it had been passed on from JD Williams (that is the company I had never heard of). I didn't know who this was and assumed it was another DCA. I later found out it is Fashion World who I do know was the orginal client.

Apologies

fermi

Silent1 wrote: »

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 think you probably need to make the point clearer that you:

- Never signed or agreed to any such agreement.
- You asked for proof that the debt was yours, as you dispute this completely.
- An unsigned agreement does not constitute such proof, and their attempt to pass it off as such will be reported as an unfair and deceptive practice.
- That the defaults recorded are entirely false, and as such in breach of the Data Protection Act. You will be making further complaints to the ICO and may consider formal action for their removal and damages for defamation.

fermi

May be useful to mention.

---> http://news.bbc.co.uk/2/hi/programmes/moneybox/8098674.stm

fermi

Silent1 wrote: »

I may have used the wrong wording. I meant passed on, not bought. My knowledge of DCA isn't that great. When they orginally sent me the letter it said it had been passed on from JD Williams (that is the company I had never heard of). I didn't know who this was and assumed it was another DCA. I later found out it is Fashion World who I do know was the orginal client.

Apologies

No worries. To be honest, DCAs and creditors like to use multiple names for just this reason. To cause people the maximum confusion in the hope that people will just pay up to make the hassle go away.

Silent1

fermi wrote: »

I think you probably need to make the point clearer that you:

- Never signed or agreed to any such agreement.
- You asked for proof that the debt was yours, as you dispute this completely.
- An unsigned agreement does not constitute such proof, and their attempt to pass it off as such will be reported as an unfair and deceptive practice.
- That the defaults recorded are entirely false, and as such in breach of the Data Protection Act. You will be making further complaints to the ICO and may consider formal action for their removal and damages for defamation.

When I say that the debt is not mine they keep repeating the same thing over and over, which is this is what I should have received and if it is fraud they suggest I go to the police and obtain a ref number. Frankly it is rather boring now.

wellynever

Wrong default £1000, Default might have stopped you buying the car probably add another £500, The stress and worry it as caused £500, Small claims court they would need to prove the debt was yours and if you know you can prove the debt is not yours then to court you go and knock this on the head once and for all.

Silent1

I received a new letter from Freds on Friday which I didn't feel like posting about until now.

As mentioned my account was on hold until the catalogue instructed them otherwise.

It said after being told from the client that the details of my account were correct and to call them so we can discuss. They did not demand any money or give me time scales. Just to call them on the number given.

In other words ring them so they can attempt to bully me into paying.....so of course I will not be ringing anyone!

The prove it letter with a few amendments (posted my fermi) has been sent off. CAB has already told them the account is not mine, hopefully my letter is far more clearer.

I was angry and then amused by their letter. I don't know how they think I will just roll over by them saying my account details are correct. Of course they are correct because it is in my name!!!! :mad: Anyway I await their next reply.

Silent1

My girlfriend received a voice mail from a woman at JD Williams yesterday who asked to speak to me. I am assuming she got her number from the FOS form though I am fairly annoyed as I didn't know a number would be passed on to them. So far it is only 1 phone call and I hope it doesn't lead to more.

My girlfriend wanted to put her number instead of mine as she is generally better than me at talking on the phone! But I thought this was for FOS use only.

So, constant letters from Freds and now a phone call from the orignal catalogue? What's going on.........

Silent1

Well since I sent my letter and then a phone call from JD Williams I had heard nothing until today when I received a letter from Brian Carter Solicitors.

I have sent JD Williams the prove it letter and told them I asked for proof from the last DCA also and heard nothing back.

My question is, how do I get rid of these!?! when they don't even respond to my letters. I don't want to waste anymore money sending them things they won't reply to.