Confirmed Resident Card!!

shopaholic2639

Hi All,

Ive received a yellow card in an envelope via the post, the title is CONFIRMED RESIDENT dated 22 Nov 2012.
It says this account is seriously in arrears and you have failed to reply to correspondence or make a payment arrangement despite trace enquiries showing you as living at this address.
If I dont contact them (Fredrickson International) they will pass this to solicitors with authorisation to proceed with immediate litigation proceedings against you.

What does that mean?
Please help!

FireWyrm

Well, do you recognise the debt? Does it belong to you? Is the card addressed to you? What does it say on your credit reference report?

Sorry, but we need some actual information in order to help.

shopaholic2639

Sorry I should have said, yes I know about the debt. But I have set up a standing order per month to pay it back. Its probably not enough but its all I can afford at present. As long as I continue to pay can they do anything else?

FireWyrm

OK, what type of debt? Civil or Council Tax?

Is the standing order in place and have you received anything to indicate that the debt has been sold along?

Why dont you contact the original creditor and confirm the details and that it is still being paid as expected?

shopaholic2639

Its an old catalogue account (JD Williams). I was paying them but now I pay Fredrickson International. Standing order is set up & will be paid 4th Dec & monthly thereafter.

FireWyrm

So, this is a brand new arrangement with Fredrickson? Do you have it in writing?

If so, it sounds like the paperwork has just caught up with reality.

Ignore it and continue with the arrangement as agreed and which you (presumably) have in writing. You can do no more and they cant ask more than that.

Lensman_2

Perhaps consider a letter to Freddies confirming that you have reviewed your I&E and that you are pleased to confirm that you can reliably afford £XX a month and that you have set up a standing order for the same to start on 4th December.

Add that this is an important financial matter so you require communication to be strictly by letter.

RAS

shopaholic2639 wrote: »

Its an old catalogue account (JD Williams). I was paying them but now I pay Fredrickson International. Standing order is set up & will be paid 4th Dec & monthly thereafter.

How old? 6 years or more??

fatbelly

shopaholic2639 wrote: »

If I dont contact them (Fredrickson International) they will pass this to solicitors with authorisation to proceed with immediate litigation proceedings against you.

What does that mean?
Please help!

I would almost bet (though I don't bet) that there was never a signed agreement if it's JD Williams and pre-April 2007.

So it would be completely unenforceable if they tried court action.

Might be worth doing a formal cca request. You can still continue payments but will know that any threats are empty ones if they have 'lost' your agreement.

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