Thanks, Brig. Just checked the library for the letter "your acct in dispute letter". I will send it.

S o far received first two letter from Freds in two weeks apart a) Do not Ignore letter b) Letter Before Action then Bryan Carter letter which I replied with the CCA request with the token then letter from Freds acknowledgement letter saying "placed account on hold" and the last one with the copy of CC Application. When you say account in dispute letter, you mean I should ask for the copy of the Credit Card Agreement. Is there a letter somewhere in the library to check. thanks.

S o far received first two letter from Freds in two weeks apart a) Do not Ignore letter b) Letter Before Action then Bryan Carter letter which I replied with the CCA request with the token then letter from Freds acknowledgement letter saying "placed account on hold" and the last one with the copy of CC Application. When you say account in dispute letter, you mean I should ask for the copy of the Credit Card Agreement. Is there a letter somewhere in the library to check. thanks.

Firstly, thanks for all the reply. @Brig- lets say this copy of credit card application document is acceptable as CCA. There is no mention of I&E sheet from Fredricks. I can not really deny the fact that the application has my hand writing and signature. It certainly is not a credit agreement in my view. As you put it may comply with the cesctt 77/78 CCA request. And BTW the credit card application was way back from nearly ten years ago and was approved then. I am not sure what to do now. What Happyhippy says that if it is pre 2007 CC they will need original credit agreement. if this is the case does that mean I should not deal with Fredricks at all and go back dealing with Nationwide? @NailPost- Here's a background of my dealings with Nationwide. As I a mentioned CC was first issued almost ten years ago. All been cool until late 2008. In 2009 I made arrangement with NW after having financial difficulties, that I was paying a small token to NW which they did not agree so I paid slightly little more every month which NW agreed to over the telephone (persons name and date recorded) which I am still following . In August I received a letter from Fredricks saying that from now on they are the ones dealing with the NW credit. I then called NW and asked that this change was never ever was mentioned to me or never received a letter from NW. They said there came a point where they were unable to accept what I was paying so from now on Fredricks are dealing with it and I should get in touch with them. NW never mentioned that they sold it to Fredricks. I said I will still keep on paying what I was paying to NW Credit Card and the lady said I can continue to do that. Kind of makes no sense to me. In a way seems NW did not sell the credit to Fredricks. Who knows. I, until now have never had any dealings with DCAs by phone or in writing. Now what you are suggesting is writing to NW hoping that they haven't sold it. Why is it you think that their appointed agents (Freds) is unacceptable and to report them to regulator. In any case if I do need to write a letter to NW is there a similar kind of letter in the library that I can see so will help me to write. Once again many thanks for your time. So is Fredricks on hold for now. What can they do if I do not reply or what to reply.

Hi again I wrote to Bryan Carter with CCA request (templet which I used from CAG library) with the the pound token. I received a reply from Fredrickson Int. saying that they had referred the matter to their client, I assume Nationwide and they will revert to me as soon as FI are in receipt of instructions and they had placed the account on hold for the mean time. This was ten days ago. Today I have received a letter from Fredrick Int with the photo copy of the Credit Card Application which I originally filled out for the credit card with my signature at the end of the form. Is this considered the CCA (consumer Credit Act) which I requested in the first place? I am little confused here. What FI says in the letter is "please find enclosed documents, provided by our client, as requested. We hope that this clarifies matters and look forward to hearing from you with your proposals for the discharge of this account" What would be my next step now. Much appreciated for your reply in advance.

Thanks Brig. Yes, I will check for the CCA letter and send it on Monday recorded delivery.

Hi all, I am new on this forum. I have been reading bits in the last few days on this site. Little background here. I have Nationwide Credit card debt and since 2009 I have managed to pay them what I could afford, with the help of CCCS. Last month I received a letter from Fredricksons international saying that NW passed the account to them for collection of the outstanding balance. NW did not inform me about this change and I kept on paying every month what I agreed with NW in 2009. FI sent me another letter end of last month, it says "Letter before action" and gave 7 days to pay the full amount or they will take action. I must add that I have not tried to contact FI or answer their phone calls. Yesterday I received a letter from Bryan Carter. The letter says " We write regards to the outstanding debt. Payment must be made in full within the next fourteen days failing which we will recommend to our client that proceedings be issued without further notice. Should proceedings be issued, additional charges be added to the existing balance as shown below. Outstanding Balance to pay now ... £XXXX Interest £XXXX Court Fees £XXXX Solicitors Cost £XXXX If you dispute liability for this debt please state your reasons in writing and supply us with documents in support of your defence to any claim Before the acct is referred to us to litigate you still have an opportunity to contact Fredriksons International Ltd with your payment proposals. In order to avoid further action you should telephone them immediately on 0845 3136624. This is a serious matter and you may wish to seek independent legal advice. Yours sincerely. After reading on this forum I guess my next step is to ask for CCA. or I could totally not contact Bryan Carter and keep my payments with NW as before. I certainly will not be able to pay more than what I pay. I also talked to NW and they said FI is dealing with this account and I should deal with them. When I asked if I still should pay and they said yes I could as before to NW. I am not sure what I should do now. I need help. Thank you all in advance.