Hi

I defaulted on a Co-op credit card debt a few years ago. It was eventually passed to Fredrickson International, with whom I have an agreement, which I have never missed a payment on. The debt has fallen from over £6k to just under £5k, so my intentions are clear. I believe, but cannot be sure, that at one point the Co-op sent me a letter saying that they're done with me, no more contact etc.

I recently received a letter from "Link Financial", with an enclosed letter from the Co-op, saying that the Co-op has sold my debt to Link, both agreeing that I should now be paying Link. It mentioned that if I was already paying a DCA, then they'd sort it out among themselves. I am fairly sure my contract with Co-op was terminated when I started dealing with Fredrickson.

I heard nothing more for a couple of months, except Fred said I had missed a payment on Jan 1st, but I think that was a glitch in timing. In late Feb I got another letter from Link which told me to stop ignoring my debts and get in touch with them to arrange a payment plan.

I emailed them a week ago detailing my confusion, and have not received a response. Today I did receive another letter from Link demanding that I sign and return a standing order form (no thanks, I can set that up myself thank you!) - the terms were all the same as my deal with Fredrickson except for the payment date, which states 30th of each month rather than 1st. Obviously this will be a major issue every other month, when I'm paid on 31st!

In all this time I've had no contact from Fredrickson, who have been happily accepting my payments and updating my balance accordingly - each letter from Link has the account balance printed on it, and it has reduced according to my payments.

So should I alter my standing order to pay Link instead of Fred? Won't Fred still be wanting the money? Why has Fred remained silent on the matter? I've already received a "non-payment" threat from Fred, SINCE the transfer Link claims happened, even though the payment was made on time as it is every month.

Thanks for any advice - I've been a bit succinct because tbh, I don't know which details are relevant.

Is there any reclaiming to do on this

Late payment fees been added?

Have you all the statements?

If not subject access request to co op

Have you sent a CCA request to the dca

is this on yoiur credit file?

if plink have it

then something is prob wrong

send plink a cca request

and freddies one too

something smellshere

dx

Have a look at the small print at the bottom of the letter from Frederickson International - does it mention any connection to Link Outsourcing? I am pretty certain that they are.

If this were me, I would be sending a letter asking why there are 2 DCAs making attempts to collect and could they please confirm in writing who you need to make payment to.

Advise them that you are aware of the Debt Collection Guidelines which does not permit 2 agencies to pursue one debt.

Then send one letter to Link with a copy to Frederickson - use head office/registered office addresses for both letters and obtain proof of posting which is free, from the post office.

I'm sorry, I got a bit caught up in some personal issues since posting this. Thanks for the replies.

To the people suggesting CCA's and SRA's, I do acknowledge this debt and have been paying it off slowly but surely.

The tone used by Link, though, is leaving me cold.

If I am forced to deal with them I'll probably be less co-operative (hah!)

Just to clarify,

I have received NO communication whatsoever from Fredrickson on this matter.

They have continued to accept my payments (paid by a standing order set up by myself)

and my account balance has been updated every month

- the letters from Link both show my balance so somewhere, centrally, the three companies are sharing this.

No fees have been added since the Co-op washed their hands of the matter, which is as it should be, I believe.

I have kept all correspondence, which includes one single statement from Fredrickson, I think.

They demand that you set up an account on their website which I did not do

- I emailed my payment offer to their "enquiries" email and set up a standing order manually

- they'd rather it was a DD!! No chance!

It is on my credit file.

And yes, something smells.

My "account" has been sold on,

but not by the party who I'm currently dealing with..

. Surely once I made an agreement with Fred, Co-op are no longer involved.

I'll scan the letters and put them up, but I think citizenB's advice sounds like the right course of action.

Send the DCA that CCA request

They may not have the authority to demand any money from you

Will cost £1 you have nothing to loose

Stay in control

you need to send plink a CCA request

and an sar to the co-op

you need to send plink a CCA request

and an sar to the co-op

No I don't. I need clarification on who exactly is supposed to be dealing with the debt which I am quite happy to pay, and I will then pay them. I'm not trying to evade a legitimate debt.

here

No I don't. I need clarification on who exactly is supposed to be dealing with the debt which I am quite happy to pay, and I will then pay them. I'm not trying to evade a legitimate debt.

if plink have it . it is not a legitimate debt!

tell me

why would a billion £ company like co-op sell a debt on

why not take you to court....??

dx

Ok, fair enough rocky start and all that. I'll behave ;-) Thanks for your help so far.

What is plink and is it something to do with Link? You've mentioned it more than once as though I should know about it. Why does their involvement automatically make it a cause to fight for??

yes its our pet name for LInk

you've only got to read a few threads to see what link are like.

this is where your money goes...

http://www.homesandproperty.co.uk/property-news/news/millionaire-debt-collector-digs-deep-south-kensington