Fredrickson International - Help Urgently needed

franco1977

I've just received in the post this morning the 3rd letter (in the last few weeks) from Fredrickson International which is titled 'letter before action' and then states 'THIS DEBT MUST BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION'. The letter on top of the outstanding balance, gives Court Fees and Solicitor Costs.

Is this just another scare letter? as it seems a little more direct than all the others? (Lowells, Hamptons etc...)

Do I ignore or start letter tennis? If so which letter to start with...

Debt Background

Currently owned by Lowell Finance Limited, was originally a unsecured loan from a High-street bank, with an outstanding balance of 8k. The default date is Summer 2007 and therefore it is due to SB soon, as no further payments have been made. I've previously CCA the originally lender and they failed to provide the credit agreement.

Delree

Do you owe it?

franco1977

If I didn't, I wouldn't be worried...

rizla_king

IMMEDIATE ACTION? What action? If they don't specify what, then could be anything. Typical daft DCA wording to look scary.

Just as likely to be them scratching their backsides and passing it back to Lowells as it is starting court action.

franco1977

Rizla King - It just states Legal Action is being considered?

Obviously the preference is not legal action - even with the chance they still have no credit agreement (unless they found it) or its now SB'd?

Letter or leave it?

happy_bunny_2

They obviously know it will be SB soon so may be trying one final push.

The letter from Fred I sounds standard. I would be tempted to ignore it for now.

franco1977

it's either that or letter tennis and hope it stretches 3 months till it is SB...

matttye

Leave it for a few days then send them a letter 2nd class recorded saying that you don't recall the debt and ask for proof of the debt, proof they own the debt and proof of how much you owe.

If they've already provided the above information you'll need to think of something else..

Edit:

Send this - http://forums.moneysavingexpert.com/showpost.php?p=11570893&postcount=2

fatbelly

Frederickson won't be taking any action as they don't own the debt.

I agree that if you do anything, it should be a prove-it.

I would be inclined not to respond. It is probably already unenforceable due to being pre-2007 and no signed agreement.

But as it will soon be statute barred anyway, I wouldn't encourage them by sending anything.