Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #21
    Basic Account Holder fatsals Novitiate



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    Default Re: Fredrickson International Ltd

    Thanks for your reply. The last paragraph says:-

    'We confirmn that we have placed your account on a twenty eight day hold from the date of this letter to allow you time to contact our client if we do not hear from you with an update as to your position within that time we will resume collective activity.'

    Am I supposed to contact them and MBNAicon or are they just pushing their luck. They didn't comply with the CCA Requesticon at all,


  2. #22
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    Default Re: Fredrickson International Ltd

    Basically they are lazy the should as said forward
    your request to the creditor, but to save time
    just send the CCA Requesticon to MBNAicon direct with the 1 fee.
    MBNA have 12 + 2 days to comply, meanwhile ignore Freds
    until you get a response from MBNA.
    Brig.


  3. #23
    Basic Account Holder The Debt Star Novitiate The Debt Star's Avatar



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    Default Re: Fredrickson International Ltd

    yes, just ignore freds. knobjockeys the lot.

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  4. #24
    Basic Account Holder mancini79 Novitiate



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    Default Re: Fredrickson International Ltd

    Quote Originally Posted by fatsals View Post
    Sorry to jump in on the thread but after making a CCA Requesticon to Fredricksons they have today sent a reply returning the 1 PO. They have not provided CCA information

    The letter says the CCA Requesticon has to be sent to MBNAicon with PO made payable to them and that they will give me 28 days then 'resume collective activity'

    What should I do nex please?

    I haven't got an answer i'm afraid but I though I would add that I have come here as I am being pursued by Fredrickson also. What they appear to be doing is chancing their hand on old debts. I agreed a repayment on a certain debt years ago yet they have brought it back from the dead as though nothing has happened. They probably bought the debts on the offchance that they could intimidate innocent people into mistakenly paying more money they dont owe. I have received my account details further to sending the 'prove it' letter but they prove nothing and once again this is them chancing their hand in the hope that what they claim to be evidence of my debt will be enough for me to pay them some money. I have no intention of doing so. I also note that the limitation period (the time by which the 'debt' should become void) has just expired.

    I think they are trying to get money for old rope and unless you genuinely do owe the money they mention I think you should see them for what they are, people (in the loosest sense) intimidating innocent people in the hope of extorting some money from them. It's barely legal and thank god for this site for making that clear to people.


  5. #25
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    Default Re: Fredrickson International Ltd

    Freds are cretinous as usual most
    DCAs will pass on the request for
    you or obtain the CCA and send it toyou
    So Just send it to MBNAicon.
    There is no point in being pedantic
    about what Freds should have done.


  6. #26
    Basic Account Holder The Debt Star Novitiate The Debt Star's Avatar



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    Default Re: Fredrickson International Ltd

    agree with brigadier, best just get on with it and send cca requesto the OC

    Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.
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  7. #27
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    Default Re: Fredrickson International Ltd

    I just wonder why Freds are taking
    this stance recently in the past when
    I have dealt with them they always
    complied and sent on the request or
    obtained the agreement and forwarded
    it on.


  8. #28
    Basic Account Holder The Debt Star Novitiate The Debt Star's Avatar



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    Default Re: Fredrickson International Ltd

    they don't have to supply the cca, unless its been absolutely assigned to them. I went to Trading Standards about this with capquest and can cheerfully post up their response if anyone is interested.

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  9. #29
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    Default Re: Fredrickson International Ltd

    It would be useful to see what
    TS advises DS.


  10. #30
    Basic Account Holder The Debt Star Novitiate The Debt Star's Avatar



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    Default Re: Fredrickson International Ltd

    ok I'll dig it out and post it up here. will do that 2morow as need to retrieve my old capquest file from the loft!
    its a pretty definitive letter from TS on the issue though. as you'll see.

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  11. #31
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    Default Re: Fredrickson International Ltd

    It'll be interesting as I have seen some
    very varying info from TS over the years.


  12. #32
    Basic Account Holder The Debt Star Novitiate The Debt Star's Avatar



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    Default Re: Fredrickson International Ltd

    Yes, I wonder if thats because they are organised on a local basis?

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  13. #33
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    Default Re: Fredrickson International Ltd

    Some information and advice given
    varied wildly between offices in the
    same County.


  14. #34
    Basic Account Holder The Debt Star Novitiate The Debt Star's Avatar



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    Default Re: Fredrickson International Ltd

    particularly worrying if its the Rutland Office

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  15. #35
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    Default Re: Fredrickson International Ltd

    Quote Originally Posted by BRIGADIER2JCS View Post
    It would be useful to see what.
    Here is the TS letter. Hopefully the attachment has worked.

    You will see that the TS will do nothing about the refusal of a DCAicon to supply a CCA. If they ever did refer it to the home authority for CapQuest then I never heard from them. I doubt they did, although the letter was CC to the home authority TS.

    Either way, its pointless imo complaining to TS about a DCAs non compliance with a CCA Requesticon.

    DS

    Attachments Pending Approval
    Advice and comments posted by The Debt Star reflect only my personal opinion and it is up to you alone to decide what action you should take. You should always seek independent legal advice from your own qualified legal advisor.
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  16. #36
    Basic Account Holder fatsals Novitiate



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    Default Re: Fredrickson International Ltd

    Right, next stage. Sent CCA Requesticon to MBNAicon who have returned it with signatureicon. Today got a letter from Bryan Carter saying pay in next 14 days or they recommend action.

    They say to contact Freddies with an offer, not MBNA. There has been no notice of assignment and MBNA have not replied to an offer of a token gesture.

    What should be done next? Business has gone bump and there are no jobs to be had, should I go for CCJ because at least the court will accept a small amount and the 6 year clock will finally start ticking.

    Any suggestions please?


  17. #37
    Basic Account Holder fatsals Novitiate



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    Default Re: Fredrickson International Ltd

    Help please, is anyone out there?


  18. #38
    Basic Account Holder jolisco Novitiate



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    Default Re: Fredrickson International Ltd

    I'm new to this....help pleaseCan anyone advise....I recieved a letter from MBNAicon (who I have had lots of hassle with regarding my account), saying my account MAY be sold. This was following a verbal agreement (nothing in writing) after falling into difficulty managing my account for me to pay 80 a month...I took out the account in 2005. Debt just over 4000....however for some reason when I rang MBNA they had no record of the agreement (surprise surprise), and I should await notification. The famility to pay online was removed and I initally received a letter from Allied International Credit saying they had the debt. I wrote to MBNA as I had no notification of this or who allied credit were and asked for an original copy of the CCA agreement from MBNA and myself. I also then got a similar letter from Frederick International Limited saying they had the debt. I again wrote to MBNA and both companies asking for a copy of any CCA. I said all correspondance should be done in writing. MBNA asked me to send a 1 cheque to get a copy of my CCA which i did...it still has not arrived...they have failed to answer why they have passed on my details to two seperate companies nor why they have not notified me of any changes to my account. Every telephone callicon made between myself and MBNA they deny...and I have not spoken verbally to either AIC and Frederick International...but I have had several calls and texts. I have stated until I have info I will not discuss anything with them as I dont know who they are....advice please as I'm worried and its having a negative impact on my home life.Thanks


  19. #39
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    Default Re: Fredrickson International Ltd

    Welcome to CAGicon,
    I am going to give your posts a read through and the respond,
    ok you have learned one salutory lesson never try to deal with
    these matters by phone always in writing only!!
    When did you actually send the CCA Requesticon with the 1 payment??
    Who do Fredrickson say they are representing or has the debt actually
    been sold to another company?
    For the moment please answer the questions above.
    Please do not stress over this DCAs can only make threats
    of we may, we might,or we could do this and that.
    They have no legal powers.


  20. #40
    Basic Account Holder jolisco Novitiate



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    Default Re: Fredrickson International Ltd

    Thankyou for your help...I sent letters dating back to 28th April 2011...asking for a copy of the CCA and it wasnt until October they said I had to pay 1...(some of my letters I had to resend via recorded delivery...but all but one letter I have retained copies of)...They also said my wifes income was needed to be accounted for in my inital negotiations with MBNAicon...stating her to disclose her income and outgoings...(wasnt sure if they could do this) but when dealing with MBNA I thought anything to negotiate a repayment....however they said they had terminated my account and over April-June did not reply to my letters other than a standard letter from MBNA saying they MAY sell my debt. Allied International Credit then contacted me by letter (Mr A dickie) I refused to give any info only to ask for a copy of an agreement between myself and them....that never arrived nor did MBNA notify me of giving debt to AIC...similar letter from Frederick International...(They have continued to write/text asking me to contact them). I have again wrote twice Oct/Nov to MBNA asking for a copy of the CCA (enclosing the 1 cheque), and for a copy of notification the two companies own my debt.....(How can two companies own a debt?). I have had no replies to date....both AIC and Frederick International Ltd both say they act for MBNA...wording is very hazy...but nowhere does it state they own the debt...this was only mentioned in earlier correspondance from MBNA...they MAY sell my account.Thanks again....



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