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Fredrickson International
JonBek
Posts: 5 Forumite
Sir,
I am trying to get some sensible feedback about how to deal with Fredrickson International who seems to have been engaged by Capital One to collect a Credit Card debt that dates back to early 2011.
From April 2011 for some 6 months, I had sent some 17 letters to Capital One, who then engaged a company called Cougar November 2011 and from that date, I have heard nothing until 13 December 2013 when this company Fredrickson International appeared on the scene.
Fredrickson are threatening and very presumptuous, and have not responded to (in fact totally ignored) my letter sent to them on the 14 December 2013.
I should mention that in early 2011 I had successfully negotiated and Settled in full and finale payment with 9 (NINE) other Creditors - Capital ONE being the ONLY Creditor to refuse to enter into any negotiation. Whereas then I had funds to make a settlement with Capital One, now I do not.
Fredrickson International seem to almost delight in sending their automated letters at a time of year when obviously finances are at their most critical and the stress of debt management is greatest.
The debt owed is not in dispute - The manner in which Capital One conduct their business is ... Had they agreed a settlement in line with all the other 9 (nine) Creditors, which I feel have set an obviously prescient, this situation would not exist.
Having not heard from them for over 2 years and then for them to engage a somewhat dubious firm like Fredrickson International full of their threats and additional charges seems also unreasonable, when I HAVE been trying to negotiate a Settlement while Capital One refuse.
I have no funds, I myself am owed significant money for unpaid Contracts, and we are living on Benefits.
I feel like taking them to Court, so I can explain my position to the Judge, agreeing to make a £1.00 a month payment and then filing for Bankruptcy - To be honest after the last 6 years I have suffered, it would be a relief !!!
Any suggestions please ?? - My regards...
I am trying to get some sensible feedback about how to deal with Fredrickson International who seems to have been engaged by Capital One to collect a Credit Card debt that dates back to early 2011.
From April 2011 for some 6 months, I had sent some 17 letters to Capital One, who then engaged a company called Cougar November 2011 and from that date, I have heard nothing until 13 December 2013 when this company Fredrickson International appeared on the scene.
Fredrickson are threatening and very presumptuous, and have not responded to (in fact totally ignored) my letter sent to them on the 14 December 2013.
I should mention that in early 2011 I had successfully negotiated and Settled in full and finale payment with 9 (NINE) other Creditors - Capital ONE being the ONLY Creditor to refuse to enter into any negotiation. Whereas then I had funds to make a settlement with Capital One, now I do not.
Fredrickson International seem to almost delight in sending their automated letters at a time of year when obviously finances are at their most critical and the stress of debt management is greatest.
The debt owed is not in dispute - The manner in which Capital One conduct their business is ... Had they agreed a settlement in line with all the other 9 (nine) Creditors, which I feel have set an obviously prescient, this situation would not exist.
Having not heard from them for over 2 years and then for them to engage a somewhat dubious firm like Fredrickson International full of their threats and additional charges seems also unreasonable, when I HAVE been trying to negotiate a Settlement while Capital One refuse.
I have no funds, I myself am owed significant money for unpaid Contracts, and we are living on Benefits.
I feel like taking them to Court, so I can explain my position to the Judge, agreeing to make a £1.00 a month payment and then filing for Bankruptcy - To be honest after the last 6 years I have suffered, it would be a relief !!!
Any suggestions please ?? - My regards...
0
Comments
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You might get a better response if you posted on the general DFW board.You have posted on the diary's part.
Welcome to MSE by the way
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan. 20 months left.0 -
Hi beanielou - Thank you - I have never used this type of media before so appreciate the heads-up. I hope I have managed to "Post" a new "Thread" on the correct place now ( ha ha ! )
My regards0
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