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. #1
    Basic Account Holder potter2 Novitiate

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    Default Fredrickson International & Bryan Carter Solicitors

    Hi,
    As i am new to this forum and not really clued up on a pc i was wondering if anyone could give me some advice?

    I recived a letter from FI asking me to contact them if i was the person the letter was addressed to.

    I totally ignored their request
    but then a few days later recieved another letter stating that they were acting for their client Capital Oneicon to which i owed a sum of money
    and this sum of money needed to be paid within the next seven days or bailiffs would calling to take belongings up to the value of the sum owed

    I took some advice from my boss at work who was a help and he got me to send a prove it letter to both their PO Box Address & their reg address in London
    which i then did by recorded delivery as he suggested.

    I still have not had a reply from FI.

    I have now recieved a letter from Bryan Carter Solicitors Stating that full payment must be made within 14 days
    or they will recommend that thier client take proceedings without further notice.

    Can anyone tell me if the advice my boss gave was good advice or not, and what should my next steps be?

    Any help or advice would be greatfully recieved.
    Thanks in advance

    Mitch


  2. #2
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    Default Re: Fredrickson International & Bryan Carter Solicitors

    Hi Welcome to CAGicon,

    Ok did you have a Cap1 account? If so when did you last make a payment to that account.?

    Freds have a portfolio of debts that are statute barredicon or nearly so.
    Now you need to check your credit reference files, Equifax and Experian (Credit Expert) have free30 day trials, there is also Noddle which is free but not as relaible.

    Carter is a solicitor for rent used by a few DCAs bluster and threats, for bailiffs to be instructed Arrow would have had to have obtained a CCJ and you would have to have failed to comply with the judgement order.
    Give the information requested and I can draft a letter for you.

    Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.
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  3. #3
    Basic Account Holder potter2 Novitiate

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    Default Re: Fredrickson International & Bryan Carter Solicitors

    Hi Brigadier.
    Ty for you reply.

    Sorry it has taken so long to reply but i can only use a pc at work and i work funny shifts.

    info you requested is yes i did have a Cap1 account and i made my last payment in March 2012

    I have now received another letter from Fredrickson International which reads as follows

    Thank you for your letter dated ***** the contents of which we note.

    We confirm we are instucted as agents by Cap1 and this debt relates to an outstanding credit card owed to them under the card number *************.

    We note that you have already admitted liability for this debt as you last made a payment in March 2012 direct to our client.

    If you reqoire copy documentation you can request this direct from our client at the following address (blah blah blah)

    As we have no record of a valid dispute in this matter and we have clarified our position and that of our client
    we look forward to hearing from you with your payment proposals and we are instructed to continue to pursue the outstanding balance.

    First of all i am not saying that the debt is not mine and that i do intend to pay as much as i can afford on a monthly basis,
    but i cant understand how they managed to get my address as i have moved twice since March.

    I have recently (and still going through) as messy marriage break upicon along with all the debt and stress that that incurs.

    I was giving my ex wife the money to pay this debt for me (because i didnt want anyone knowing my new address)
    and now this has come to light that she aint paid a penny and been using it for her own means Grrrrrrrrrrrrr.

    Now having to start a new life on my own
    my money is stretched with renting a place to live, bills & maintainance (3 young children) ect
    i have verry little of my sallary left and i am paying bits to most of my creditors.

    Can you give any advice or help in dealing with these people?
    And or what to do next.

    i am living in lodgings and fear any bailiffs calling possibly render me homeless.

    Any help or advice would be greatly appreciated

    Thanking you in advance

    A very stressed out potter2


  4. #4
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar

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    Default Re: Fredrickson International & Bryan Carter Solicitors

    hi p2

    firstly lets burst one bubble

    DCAicon'd are NOT BAILIFFS

    they never EVER will be

    and until a DCA OWNS a debt [which freddies DON't]

    they can do NOTHING to you.

    only the OWNER can take you to court

    if then you fail to pay the CCJ

    only THEN can baillifs get involved

    and they will be COURT BAILIFFS - and NEVER a DCA

    even with COURT PAPERS - no DCA has ANY magical powers.

    right thats that done...

    can you get your cra file please

    see below
    noddle is free

    can you list your debts please

    and make sure they all show on the CRA file.

    as for freccies/carter

    for the minute

    hang fire.

    though if you've not got ALL the cap1 statements

    it might be an idea to SARicon them [cap1] to get them

    lets see if you have PPIicon or PENALTY charges

    dx

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  5. #5
    Basic Account Holder potter2 Novitiate

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    Default Re: Fredrickson International & Bryan Carter Solicitors

    Hi again Sorry to be a pain but what is SARicon ??


  6. #6
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    Default Re: Fredrickson International & Bryan Carter Solicitors

    hold and click on the black underlined SARicon

    dx

    Credit Reference Agencies:Experian Equifax CallCredit noddle<<<<CRA FILE INFO IS HERE<<<<
    fed up with DCA's calling get a TRUECALL BOX!! - HERE
    Sort Your Debts Now - - here

    Start Your Own Thread - HERE

    1. Single Premium PPI Q&A Read Here
    2. Reclaim mis-sold PPI Read Here
    3. Reclaim Loan, Credit Card, mortgage & CAtalogue Charges Read Here
    my views are my own...seek legal advice if ness
    NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
    - alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.


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