Can anyone advise with regard to Fredrickson Int?

erggo_flute

I know there have been lots of discussions on here already about these DCA morons, and I have read a lot of great advice.

Fredrickson are chasing me for a debt of £66.81 that they claim I owe to Capital One. I have no knowledge of this debt. I contacted Capital One with the account number supplied, but failed the security questions (surprise surprise!)

I have sent the 'Prove it' letter to FI and today received a letter instructing me that they had put my account on hold for 15 days whilst I contact Capital One to obtain the information I requested.

What is my best course of action at this point? I cannot reasonably chase C1 for an account I am not liable for, so how do I make the futility of this clear to FI? Or do I simply ignore them? I have at no point acknowledged responsibility of this debt or made contact other than letter.

Any advice greatly appreciated.

mo1_2

its up to them to prove you owe it,if you dont then send them a letter sayin you dont owe cap one any money and if they still consider you do to send you some proof,

FireWyrm

Dear shysters

I refer to your recent letter dated <date> which states an alleged liability of <amount> and that this is outstanding and payable.

The information your have provided does not constitute liability for this debt and I have requested additional information that will. The response was less than satisfactory. I do not accept liability for this debt and since your office cannot provide evidence of such, I refuse to accept it. However, in an effort to assist you, I have contacted Capital One directly using what little information you have supplied and found that they cannot reconcile my personal information against the information held on the real debtor. I do not see what more I can do in this matter. Unless your office can kindly provide some evidence of my liability, I can only assume this is some sort of mistake.

I am informing you of this in writing and require that your office either provide a signed credit agreement bearing my correct details or you refrain from any further contact in this matter. Since the debt is clearly nothing to do with me, I require that such contact details that you do have for me are removed from your system immediately.

You should also be aware that continued attempts to extract this amount from me unfairly now constitutes harassment and should you ignore this letter, I will be minded to make a formal complaint to the OFT.

I trust that I have made my position clear and look forward to your co-operation.

Yours Sincerely
<you>

fermi

Basically, as above, tell Freds to "get stuffed".

If the debt's not yours, then not your problem beyond telling them that and warning them off.

The only slight thing I would be concerned about is your credit files. Check those to make sure that Freds haven’t put a false default on your reports. If they have then you would need to make some formal disputes to get them removed, and possibly get some financial redress if they have done you any harm.

erggo_flute

That's great advice and thank you, Firewrym, for that wonderfully worded letter. It'll be going to them 1st class recorded delivery Monday. I'll keep you posted if they respond.

This really is such a fantastic site.

FireWyrm

Glad to help. Feel free to re-word as necessary.

erggo_flute

I had yet another letter from Fredrickson International today:

Thank you for your letter dated 19 March 2012 the contents of which we note.

We confirm we are instructed as agents by Capital One (Europe) Plc.
Having reviewed the account we deny harassment, however we confirm all future communcation will be in writing only.

You may contact our client to verify our instructions. Our client's position is that the balance is lawfully due.

The account is regulated by the Consumer Credit Legislation. It is our client's policy to provide agreements at the point of contract and statements throughout the duration of the account and in this regards documentation has already been provided. We note that you have already admitted liability for this debt as you last made a payment in the sum of £15.54 direct to our client on the 6 September 2006.
If you require further copy documentation you can request this direct from our client at the following address:

As we have no record of a valid dispute in this matter and as we have clarified our position and that of our client we look forward to hearing from you with your payment proposals and we are instructed to continue to pursue the outstanding balance.

I have no recollection of a payment in 2006, and if I made one, why haven't I heard anything from Capital One since??! I don't see how this makes me liable for the debt as that payment would have been made by the owner of this account, and they still haven't provided any evidence to show that it was me.
Does anyone have any suggestions? Useful templates? What is the best way to proceed with these docile !!!!!!s?

fatbelly

How convenient! Their records show that a payment was made five and a half years ago (stopping it from being statute barred) but they hold no evidence that they can show you of either (1) the payment or (2) your ownership of the account in question.

See if you think this letter is appropriate:

Complaint to FOS

erggo_flute

Thanks, Fatbelly. I'll give that a go. I had a read of the OFT guidlines and I think there is quite a bit I can hit them with.

erggo_flute

Also, if the last payment to this account was in September 2006 (according to them!) then does that mean it would become statute barred this coming September?

boogiemaster

Yes it would