hello, i have had some really ace advice from this site and now need more please. brief history: hsbc debts passed to metropolitan even though i had been paying them they sold it to pheonix now with frederickson/bryan carter. after millions of calls and letters and discovering this site a cca request was sent got the reply of account on hold etc etc now nothing! should i contact them and ask if the debts are still there or gone back to OC or do i just leave it. i am sure i saw a template letter but cant findf it now. any advice guys? thanks xx

i asked about them too and i got this reply pretty much the same. if they are Crellins Carter they should use that on their letterhead!! unless Crellins is trying to stay a bit detached from the lovely Mr. Carter;) he-he Thank you for your e-mail of 27th March. Crellins Carter is an established solicitors firm, Bryan Carter & Co is the name of their branch office. I hope that this information is helpful. If you have any further queries that you would like to discuss, please contact us by telephone on 0870 606 2555. Our lines are open 09.00 to 17.00 Monday to Friday. If you are calling from overseas please use +44 (0) 1527 504450. Please note calls may be monitored/recorded for training purposes. Alternatively you can e-mail us on [email protected] Thank you for contacting the Solicitors Regulation Authority (SRA). Yours sincerely Keith Kerwin Information Services Officer Solicitors Regulation Authority Tel: 0870 606 2555 Fax: 0207 320 5964 Email: [email protected]

i have sent letters to frederickson and bryan carter both to be signed for but they weren't. carters was delivered now freds gone walkabout!(typical it was a CCA request not sure how to work it out now:confused:). has anyone else had this problem especialy with freds or carter (not sure who else is in their building) spoke to royal mail they gave me some stamps mmm big help!

fingers crossed. couldnt of done it without this forum great bunch of people. let us know how you get on if you ring on monday. been reading loads on here about courts lately lots of great help. united we stand and all that keep smiling itsmymoney

hi all i tried my luck and sent CCA then at least i have made a responce in the time and i am sure the efficient staff of frederickson and mr Carter will let me know what to do next thanks

it was just a small business i think it was an overdraft on a business account and possibly a credit card in the business name (one of those you pay back in full each month) it is a joint debt with my ex i have payed over half of it off and the company sent it to fredrickson who have nowsent to B.C the business closed in 1999. can i CCA them as its business? cheers

any ideas guys? they haver to recieve my reply by tuesday i only recieved theirs today starting to worry:eek: cheers

i am unsure as to what they are for because the debts were bundled together by HSBC do overdrafts have different rules? who do i ask about it. do they need to be seperated again?

hi pop, well 12 days passed 30 days passed nothing except a letter from bryan carter saying pay up or else so sent reply thet curly ben posted some where on here (think its in the lovely bryan carter) its a good reply did the job. they sent a reply saying that they havereferred it back to their client and are awaiting instruction:grin: got one today from them about another debt but its a business one not sure if it has same laws. keep us posted its my money

i have a debt quite a small one (its a joint one with an ex partner) but it is from a business that closed in 1999 i have made payments on this debt previously but now am on benefits. Frederickson took over the debt and i have told tehm i cant pay it at the moment. i have had a letter off Bryan Carter this morning saying pay in full in 7 days or court blah blah. are business debts covered by the same as usual ones? can i CCA them ? is it too late? i am unsure of what the debts are for i think it is an overdraft and maybe a credit card any advice on my next step please? thanks

thanks for replies guys will give it a couple of days dont want to seem too keen:D also their 30 days run out next week for other debts dont want to remind em too much that i am out there:) will keep checkin for any more advice good idea with the letter though saintly cheers

fair piont well made:) the more complaints and hopefully they will get message. when they turn up say mr.ton is in your office with a cheque for the whole balance but he cant find a monkey to sign for it:D

i have previously payed metropolitan (HSBC inhouse monkeys) is that acknowlegment or does it now stop because it moved on? i have previously had letters for this and have told them to chase other party ahve i now acknowledged it?

dont OFT guidelines say that they cannot do anything to bring embarresment to the client for example postcards and letters in unsealed envelopes x

i have 3 debts currently with Frederickson two of them i have CCA'd the third however is a joint debt with an ex partner for a business that ceased trading in 1999. i am unsure what the debt is originally for i think it was a business bank account with possibly a card attached to it but cant remember. as its a bank account i dont think i can CCA them (or can i?) anyway the letters have started arriving for pay up this debt will not go away. its not that i mind paying it if i know what its for. any advice for how to find out i have asked HSBC for info in branch but they dont have any records of any debts they are all from 1999/2000 any clue guys thanks in advance money