Fredrickson International!

Silent1

Any advice please?

Silent1

Well since my last post I received a letter yesterday from a company called ScotCall Debt Collecting saying they will come to my house if I do not pay.

I know they are not baliffs and really can not do anything but this is turning into a joke now.

I have sent off yet another letter and spent £1.20 yet again on recorded.

All that is happening is I keep wasting my own money for them to ignore me and just send another company chasing me all of the time. I have changed my letter a bit telling them I want this sorted asap and that they continue to ignore me constantly. I have co-operated everytime they have sent letters to just be ignored. FOS said they can not do anything until the 8 weeks from their orginal letter is up, which is 1st May.

If I dispute a default on a credit file do they have to prove the debt is mine to get it put back on? Not sure how it works.

Yes, from the looks of it they are trying everything now as they have no proof at all. But I now just want them to leave me alone.

Anymore advice? Anyone can reply to me lol

Silent1

Oh I forgot. I have not been sending £1 to them everytime I request a signed credit agreement. Infact I have never done it. I am unsure if CAB did it. I have received the same blank CA twice but that was on request from CAB.

Could this be a get out for them to ignore my letters if I do not send them £1? They have still ignored the FOS complaint though.

Thanks.

fermi

I honestly wouldn't waste much more postage on them at this point.

You've made your complaint. Every fresh piece of evidence showing that they are ignoring the dispute only helps your case.

You can dispute the default through Experian/Equifax etc, but all they will do is ask them if it's correct. If they reply it is, then Experian/Equifax will do nothing.

May still be worth doing though, as you never know. May get their attention if you tackle it from more than one direction.

The formal complaint for removal of the default must also go through the creditor/DCA as you have been doing. When they've had the requisite time to act, you then take it on with the FOS and ICO.

You were not wrong to leave out the £1 fee. That sort of request is for info on a debt you know is yours. As such, they can leave of a signature in any copy they send.

You are asking for absolute proof. Which is different.

Silent1

Thanks Fermi. You have been very helpful once again

Silent1

Just an update and I think it would be good to write down my progress incase anyone else needs help in the future.

I am dealing directly with the catalogue now as the doorstep collecting agency and the DCA have passed it back to the catalogue. I received a letter from the catalogue (this is the first letter from them for a very long time) telling me they can not find a signed credit agreement and that means they can not get a CCJ but they also said that the debt will not go away and they can continue to chase me for it and stating all of these points from OFT guidelines.

I replied with the letter to make it very clear that the debt was not mine and I know just because they are unable to provide a signed credit agreement that the debt will just vanish. Due to their letter I think they seem to have forgotten I have said it is not mine and they make it sound that I am trying to get out of it due to not having a CA, which is not the case.

They also said they have not received anything from FOS. In my reply I told them the letter would have been sent to the address on the letter that have just sent me and where the letter I was currently typing was going to aswell.

I am just waiting on a reply now. But I seem to be going somewhere now....after nearly 2 years.

fermi

Good. Sometimes you have to just keep plugging away at these things, even if it feels like you are banging against a brick wall while you are.

The issue of the signed credit agreement is a blind by them. As you say, if it not your debt then that is an irrelevance.

It's been plain all along that they would fall flat on their faces if this went anywhere near court, but that is not the issue.

The false default on your credit file is the real concern.

If it WAS your debt, but they couldn't find a credit agreement, then the default would legitimately remain.

But it's not, so the default is wrong no matter which way they try to argue it.

Silent1

Hello!

I can confirm that after nearly 2 years my name and my default have been removed from their records.

They asked me to prove my address move. I am lucky I keep some letters as I could prove I did not live with my mother in 2009 and 2010 and they would have had record of items going to that address in those years I presume.

So my finances are back in order....finally. I can now store my lever arch file away that is ready to burst with letters.

Again, thanks everyone who helped me.

fermi

Hi. I'm really glad you got that sorted.

But at the same time really sorry you had to go through such a frustrating battle with these idiots.

Silent1

Hello

I have had to send an e-mail to them because the default on a credit rating site still remains there after nearly 6 weeks of their letter.

I only pay for statutory reports. I have just bought one an hour ago to see it is still there. I'm fairly annoyed. I got them to confirm it was fraud, I hope I don't have a big deal trying to get this default removed! Even though it is just a simple case of sending the letter to the credit rating site. I would prefer if Freds did it though :mad: