Has anyone had any dealings with this lot.

I had I letter off them on Saturday demading payment for Capital One of £317.

So phoned them up and tried to explain that they can't just write and demand money after all they could have found my details in a skip. Then I proceeded to explain that I was in litigation with the company and as the amount is in dispute anyway I won't be paying you a penny.

" But you do realise that you could have a CCJ against you if you don't pay us now"

I then told him that "I am suing Capital One for more than the amount I owe them anyway so please proceed and I suggest that you contact Capital One if you intend to send me any more demands for money before you are legally entitled to do so"

"But sir this is serious"

"Goodbye"

Any one else had any similar payup or else letters?

Funnily enough, I have just responded to another thread about Fredrickson who are new to me. You might want to compare notes so heres the link

http://www.consumeractiongroup.co.uk/forum/debt-bailiffs-advice/37122-plan-action.html

I think you dealt with them very well, but I would follow it up by writing them a letter (signed-for delivery) confirming the disputed account balance and requesting that they suspend any action until or unless you contact them again.

Elsinore:)

Thaks for the reply I was going to write to them but then I thought, why? As I said to them they could have found my details in the Cap 1 skip. I have absolutley no proof that they acting for the above company and untill I hear from the creditor that they are acting on their behalf they can whistle.

are fredericksons based at Weybridge, Surrey????

Thats the address it's P.O. Box number. I am sure I can find their offices because they are a bit shy about putting their office address on any public website. A trip to companies house methinks for the finance directors home address.

im sure they have something to do with Bryan Carter % Co Solicitors!

i had an account with cap one which was 1st passed to fredericksons then a couple of months later had letters from Bryan Carters which had the same address as fredericksons!!

strange eh???

Just for devilment I think I will write to them. I think I should ask on what authority they are acting for Cap 1 and if such an authority exists I require I true signed copy before I will recognise any correspondance from them.

After all I could write to anyone on headed paper and demand money if I had their details, how many times do we have it ramed down our throats about identity fraud.

What do you think?

i would send the cca template to them and see what happens.

but im pretty sure you'll get a letter from Bryan Carters soon like i did!

they have defaulted on my cca request!

I think I will do that tonight but I still can't see how they can demand money when the debt is in dispute and the subject of litigation. Obviously the different departments in Cap 1 don't talk to each other at all. I never actually got a reply to my letter disputing the amount that they say i owe them.

reg office is 7/10 chandos street london w1g 9dq reg no 2679522 csa reg 183

Hi I just checked with companies house and Fredrickson nternational

address of the registered office is:-

FREDRICKSON INTERNATIONAL LIMITED

FIFTH FLOOR

7-10 CHANDOS STREET

LONDON

W1G 9DQ

Company No. 02679522

yeah i did exactly that, sent cca to them at their REGISTERED address not the PO box one

then sent the DPA request to Capital One then received the letter back from them stating "we have been instructed to take no further action and therefore closed our file " !

Has anyone had trouble getting a CCA signed for? I sent recorded delivery on Wednesday but nothing shown on the royal mail site as yet. Early days but first class should have been delivered by now. I did make the mistake of sending it to the PO Box but that should not cause a problem.

no it should be alright i sent the first one to the po box then panicked and sent a second to the registered adress then got a reply to my po box one !

I've been paying small instalments to Fredrickson on behalf of my son in respect to a debt to cap one. I hadn't bothered as yet to ask cap one what the charges were but I'm pretty sure they would wipe out the remainder of the debt due. I think I'll wait for a reply from fredrickson (without paying anymore cash as I don't know where it's been going, unless they bought the debt) before approaching cap one as it may not be necessary.

joesoap, as donbracho says it should be fine, you need to send a SAR to cap one and recover his charges, which in most cases covers the outstanding balance, have a look in the cap one forum. Then send a letter to fredricksons telling them that the account is in dispute.

[Your address]

[Their address]

[Date]

Dear Sirs

ACCOUNT NUMBER: **** **** **** ****

I am writing to clarify that I am currently in the process of requesting a refund of bank charges unlawfully made to my account.

I note from your latest correspondence that you have passed my account over to ………………… DCA - I need to make you fully aware that I am disputing the sum owed and, as such, you must refrain from any further action until this dispute is fully resolved.

If you do not stop this action and proceed by making any adverse comments on my credit reference files, I shall be forced to take legal action against you under the Data Protection Act 1998.

Yours sincerely

[Name]

Cc ……………………..DCA

Try something like this but adapt to suit.

Tanz

Thank you for the template Tanzarelli. Just to clarify; it is ok to send this to fredrickson before I hear back from Cap One and can I take it that I can send it before Fred. replies to my CCA request?

Send off for SAR asap, don't worry about CCA request, they probably cannot comply anyway but you have laid the paper trail you can still continue with your letters and yes personally I would write to Fredricksons - you know you have paid charges and you will be claiming those back - use Tanz's letter above.

Yep

Thanks for the click

Between the post office and fredrickson they appear to playing silly buggers. My CCA was not signed for, indeed it is still shown as undelivered. i reckon the postie has just dumped it in with all the po box mail.To confirm receipt I've had to write to the postal order corres. section to see if it has been cashed. What a clart on. I think it's a safe bet that Fred. does not have a CCA. If this is the case can someone confirm that I would be within my rights to reclaim all the monies (after the 42 days) I have paid to them based on the assumption that I made regarding the ownership of the debt,ie. because they wrote to me and said the debt was now theirs, pay the money to them.

Re Post 15, should I cease paying instalments to Fredrickson as the account is now in dispute?

My CCA stil hasn't been signed for/delivered (it probably has) and I have had to write to the postal order transactions centre for confirmation that the PO has been cashed.

I never bothered to pay this month's instalment and usually, Frederickson are sh*t hot but I've not heard anything. Methinks they got my CCA request and most definetely, the dispute letter.

Hopefully your charges will pay off your debt, how long have you got to go on your SAR request? Once you get your statements you can really start the ball rolling.