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b3tan_senseless

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  1. I have actually already sent a Do not acknowledge letter to Freds which is when they have replied with the copy of an orange statement. I'm going to send Freds this In my previous letter I enclosed a formal request for a copy of the agreement (signed by myself) relating to the alleged debt. Instead you have sent me a copy of a statement relating to an Orange Mobile phone contract which I have formally disputed without resolution since 2006. I am also in the process of contacting Orange asking for a full Service access request under the Data Protection act to explain how my personal details have been passed on to your client without my permission or knowledge. Your client is listed as Arrow Global Guernsey Ltd, could you please explain how this Orange bill relates in any way to the alleged debt with your client. I have never received a deed of assignment from Orange or Arrow Global Guernsey Ltd. Is there anything else I should add? I will also send Orange an SAR and a folow up to the original dispute. Is it likely that they will deny all knowledge or will i still be able to deal with Orange rather than Arrow/Freds?
  2. Thanks, I'm struggling to find the DNA letter... If they aren't regulated by the CCA how can they place a default on my credit report? Should I ask Arrow/Freds to supply copies of my credit agreement as well?
  3. I figured that to be the case, but they have never mentioned buying the account at any point in the previous communications. Should I not be informed if my account is sold to someone else? Can they sell an account that's in dispute?
  4. Hi a few months ago I received a letter from Fredrickson asking me to contact them regarding a personal matter, I checked the web and found this CAG forum so binned it. the next day I received a letter saying I owed their client Arrow Global £2229.27 I figured from this board that it related to Orange, I sent them a Prove it letter and received a reply saying it was on hold. Yesterday I received another letter from Freds which says, "We refer to your recent letter or telephone conversation with this office. Please find enclosed account dicuments, provided by our client as requested. we hope this clarifies matters and look forward to hearing from you with proposals for the discharge of this account. " Attached is a statement from Orange showing payments from 2002 up to 2006 when the last payment wasn't made. (£2229.27) I have previously been chased by Moorcroft for this back in 2006 after I was cut off by Orange for non payment. The charges are for one month when I was in Munich ( my usual bill was £40 average) these charges had run up through excessive charges whilst roaming including paying for received calls and text messages. I informed Moorcroft that I would only deal with Orange and sent Orange a letter stating I was not prepared to pay these excessive charges as they should have capped my account before allowing it to run up to such an excessive amount, I offered to pay for calls made and sms sent but not received (around £500) although still very excessive) I didn't hear anything until this year although I was aware it was still on my credit file and preventing me getting a loan or finance. At no point have Freds ever mentioned Orange up to now. My feeling is that the account is still in dispute with Orange and I am still prepared to pay them a reduced settlement but I am not going to pay a DCA one penny. I have also read that the law has changed and phone companies are now required to set an agreed limit on roaming charges or cut off services at €50 This was my original argument with Orange, also roaming charges were capped significantly after this. What is my best course of action? I intend to send Freds a letter saying you have attached a statement from Orange, how is this related to arrow Global, and that the account with Orange is in dispute and has been since 2006. and also to write to Orange again. Do I need to ask for an SAR first or do I just write again with my original dispute? As the EU have been fighting to change these charges is there any way of having them cleared as they were deemed to be excessive by the European commissioners?
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