Hi, folks. I could do with a little advice / insight if anyone has the time. [NB: Not sure whether this should have been posted here or in the Legal Issues sub-forum, so please move it over if posting there would have been more fruitful.] As per thread subject, I have received a LBA from Fredrickson (acting on behalf of Lowell) regarding an alleged debt to Nationwide. The debt in question does appear on my CRA files, is wholly disputed (by me) and won't be statute barred for approximately one more year. Some background: In 2007 I discovered that my identity had been stolen and that multiple mobile phone contracts had been taken out in my name. Additionally an account was created with an ISP using some or all of my banking details. These companies all set up direct debits which later 'bounced'. I managed to convince the ISP and one of the mobile phone providers over the phone that the contracts were entered into fraudulently. Nationwide were utterly incompetent, however, so I ended up sending them a letter sometime in 2008 stating that I was a very unhappy customer; that I had been a victim of identity fraud; that I was refusing to pay their extortionate fees; and that if they were less than pleased with my refusal to pay they should take me to court. Since then I've heard nothing substantive from Nationwide. I have, however, received 5 or so letters from Lowell offering discounts (a tell-tale sign of things awry, I know). A few years ago I did send a letter to Lowell disputing the alleged debt but I never actually got a human response, so I reacted in kind by ignoring their machine-generated threats. Now, out of the blue, I receive a LBA from Fredrickson. Should I not have received some kind of notice from Lowell that they were lemon-loaning to Fredrickson? It might also be worth pointing out that the Nationwide account in question was opened with them when I was a teenager some 12 or so years ago. Also, I am 100% certain that I didn't receive a Notice of Assignment when Lowell bought the debt. Any help or advice would be appreciated, immensely!

Hi all, Im after a bit of advise, sent my 1st letter of to these clowns asking for the usual eg contract etc, This is the response I got, what should I do next thanks in advance fred1.pdf [ATTACH=CONFIG]37240[/ATTACH]

To cut a long story short I took a couple of contracts out with Vodaphone during the summer of last year, unfortunately a little while after I lost my job and basically all hope. I have since been ignoring phone calls and letter's demanding payment and so forth. I have just today received a letter from Bryan Carter Solicitors demanding payment in full be made to Fredrickson within the next 14 days or the account will be referred to Bryan Carter to litigate me. The amount they are requesting is actually £100 more than the initial debt and should proceedings be issued I will incur court and solicitor fees. I am in no financial position to clear the whole amount as am in receipt of JSA but I would like to take steps to start paying the debt back. From what I have read I should not contact the DCA via telephone but only in writing. What steps can anyone recommend so I can get this mess sorted.

I had a letter last month from fredrickson so I called them and told them i will only deal with them through letters only. I live above a small post office so my post is collected from the shop, when i went to collect it this morning my landlord said he had taken a call from fredrickson they asked him to tell me to contact them. I have since called them to complain, as its caused a bit of hassle for me, Is there away of taken this complaint to a higher level, as i think they have broken some kind of law here, im a right and what should I do now thanks Louthy

Hi all Earlier this week I received a letter from FPC - a standard "we are seeking this person at your address" phishing letter which i duly ignored. Yesterday I was surprised to then get a letter Before action from them. It's on behalf of Talk Talk and for £662.66 - with their "fees" £787.66. I've never had any dealings with Talk Talk so am wondering where this is from. Of course I am about to send them a SAR, but genuinely baffled as to what to do after this. I assume that some kind of Data Protection has been breached if they have just randomly assigned me a debt from a company I have no dealings with. I am hoping someone can help me try and sort this out.

A month ago I received a reminder from HMRC that my NIC (as self employed) is due for payment no later than 31 July 2012. This morning I received a threatening Letter Before Action letter from Fredrickson International with regard to this debt. I rang them and asked them to explain how I can be taken to court for non payment when it isn't overdue. Stupid woman told me I could pay it now or set up a repayment plan. I don't want to do that. I told her I'd intended paying it in the next few weeks anyway, but on the strength of their letter I will delay it until the end of July. Now either HMRC have got a bit ahead of themselves in passing this over, or Fredrickson have somehow got hold of personal information - and how did they get it?

Hi, Would really appreciate some advice. I have a £5000 debt with Capital One which has been passed to Fredrickson International. I requested a CCA in January 2012. The reply I had back was that they were looking into it. In March 2012 I sent the template letter informing them that the account was in dispute as they had not replied to me. I had no further correspondence until last week when a letter arrived informing me that the debt was correct and that I had to pay it. Today I received a letter threatening legal action unless I paid the full debt within 7 days. Next steps?! Thanks.

Can anyone please help with some advice on how to proceed with this? I checked my experian credit file a few days ago and was surprised to find a default from global arrow for £172! Started: Feb 2006 Defaulted: Aug 2006 Satisfied: Feb 2012 I then went on to check credit expert and equifax and both have listed this account also. Call credit lists similar details to experian in that I defaulted and it has this month been satisfied....Equifax lists that the account was settled by payment in Aug 2006 and no default is shown! I contacted arrow global who put me through to Fredrickson and after several calls managed to speak to a girl who couldn't understand what was going on. She said that according to their files the balance was still outstanding and was for argos additions. She said she would look into this and she called me back today. No she is telling me that the account was supressed for 5 1/2 years and they have no idea why and it was due to go live this week so I would expect to be recieving letters to make an arrangement to pay!! Firstly I can't understand why it would take so long to appear on my credit file..5 1/2 years The differences between experian and call credit stating default and equifax stating satisfied why the account would lie "suppressed" for so long I have never satisfied the account as I never even knew it existed ......most importantly I have never had a argos additions account in my life and I am 100% certain of that. She advised me that once I receive my letter from them asking for payment I could call her up and she would put the account into dispute while it was looked into. I know by others experiences and my own past experiences that it is unlikely to be as simple as that. I advised her that I must be a victim of identity fraud and would be contacting the police with copies of my files etc to gain a crime reference number,....she said that if i did this then the file would be closed down etc. My main concern is the hanging around waiting for the debt letter to hit my doorstep....do I wait or do I take the matter into my own hands first by writing out to these companies to get the ball rolling? or do I wait until it falls of my account in a few months to save me the grief of trying to fight with a hundred different agencies!? Any advice on the best course of action would be greatly appreciated please.

Thought I'd start a new thread rather than Hijack the other fellow's. I received a letter before action from Fredrickson saying that I owed money to the Dept for Work and Pensions, and that they were working on behalf of their client iQor who were then acting on behalf of DWP. IT states the usual about paying in the next 7 days or it will proceed, etc, etc and they give me a nice little box with fees, etc on it. Now my only concern is, I have no recollection of any debt for the amount they ask, and I don't even know who DWP are... I was thinking of sending them a letter, for which I found a template on this site, which is the following.... Name/Address: Date: Dear Sir/Madam You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves. I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name). I am/we are familiar with the CPUTR 2008 and the Office of Fair Trading's Guidance on debt collection, which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question. I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions. I/we look forward to your reply. Yours faithfully To think all this because I changed my address with my bank... Bloody nightmare.

Hello all, Received a letter today from Bryan saying: "Payment must be made in full within the next 14 days, failing which we will recommend to our client that proceedings be issued without further notice" Outstanding balance 136 Court fees 15 Solicitor costs: 50 Total if proceedings are issued: 201 Apparently I still have an "opportunity to contact fredrickson with payment proposal. So here is the history. About 5-6 years ago I had a contract with TMobile. I remember losing the phone that came wit the contract in Bournemouth. After that I don't remember what I did with regard to the TMobile contract. 13/12/2010: Receive letter from TMobile stating I owe £136.76 and that "On 30/09/10 your account was sold to Lowell Portfolio I Ltd" (does this mean Lowell paid off my debt?). I also received a letter from Lowell breaking it down as £37.09 for line rental and 99.67 for "early termination fee". 29/12/2010: Red DCS send me a letter saying the account has been passed to them. 13/1/2011: Another letter from Red saying my account is still outstanding and they might check my credit file. And that they can use Hamptons Legal to recover said some. 31/1/2011: Hamptons Legal (actually just another letterhead from Lowell) write to me and say they are "assessing your account for legal axction" and they have my credit file. Bonus points for threats to use bailiffs if a CCJ is awarded... 14/2/2011 (Happy Valentines Day): They offer me a 50% discount amid a letter full of CCJ threats. 25/2/2011: Lowell Financial letterhead, "make us an offer" letter. 1/6/2011: Fredrickson "have been instructed by Lowell who have passed this account to us for collection of the outstanding balance. I "must contact us immediately on..." 8/6/2011: Lowell send me a strange A5 yellow card which reads "CONFIRMED RESIDENT" in big letters. The photocopy is really bad as the address at the bottom is only half visible. "This account is seriously in arrears and you have failed to reply to correspondance or make a payment plan. Contact us or we may pass your account to solicitors..." 21/6/2011: Fredrickson "pay in 7 days otherwise we will take immediate action" 5/7/2011: Today I got the Bryan Carter letter. What should I do? It seems Lowell paid off my debt.

I have received a letter from Fredrickson International to whom I am already paying an agreed amount per month for an old credit card debt. Those payments are not in arrears. Now the DCA says the repayment arrangement is being reviewed and says "In orderto repay the debt within a reasonable period of time you need to increase your current instalment rate. "Please can you contact us on 0845 3136627 to discuss continued repayment of the debt by instalments." Can anyone tell me: 1. Is this "review" legal? 2. Should I write, saying that the existing agreed instalments should stand - or should I ignore the letter? 3. Am I right in thinking that if it eventually went to court, as long as I continue to make the existing agreed instalments, any case would go nowhere? 4. I make instalments by Direct Debit, should I attempt to switch to Standing Order? Any advice would be appreciated.

This morning ive received a letter from fredrickson international limited,reguarding an old debt from 2005 the orignal creditor orange mobile phone service the orignal balance was for £30.26p and this debt company has knocked the amount up to £75.75p. This company is now demanding money from me and want full payment within 5 days.do you think sending a cca would be a good idea to send to the debt company.

A little bit of help / information would be welcome if any. Thanks in advance Briefly: Company – Vodafone – 18 Month Contract After 4 months, split with partner, left in serious debt (about £60k) Phone returned to Vodafone + explanation and minimal offer Vodafone keep phone and no response Passed to CrapQuest – Letter DEMANDING payment Letter + copy of Vodafone letter to CrapQuest Rejected by CrapQuest Letter to Crapquest requesting Statement, Letter of Assignment, T & C’s Letter from CrapQuest stating they did not require a Letter of Assignment, statement just a total on a pice of paper In meantime CrapQuest pass Debt to Scotballs Email to Scotballs telling them account in query. Get apology and a/c returned to CrapQuest Letter from CrapQuest offering 50% discount if paid immediately – Have they purchased debt As no Letter Of Assigment arrive requested CrapQuest to desease processing my data No response – Letter to CrapQuest indicating I would take legal action under the DPA Debt passed to Fredprickson Demanding payment or they will go to court As Fredprickson are not the account holder I know that any action will need Vodafone on it. My question is as this has been passed all over the place between mugs and thugs and with no letter of assignment and therefore breaching the Data Protection Act, not forgetting the offer of a 50% discount from CrapQuest, when / if this goes legal where do I stand as I no longer have the phone (can I request this back) as I would not have had the full benefit fromthe phone. I am not trying to dodge the debt but get a fair result

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?

Being bombarded with calls from Fredrickson's followed by receiving a letter saying I owed £247 to TXT Loan Limited, I assumed it must be some kind of 'problem' as I have never taken out any such loan or heard of either company. Googling it enhanced my suspicions as I found Fredrickson's had a habit of attempting to squeeze money out of people who did not owe it. I wrote to them asking them for a copy of the CCA and clearly stated that this was not my debt and that all correspondence on the matter was to be in writing. They replied that they had referred the matter to their client and were putting the account on hold in the meantime. The phonecalls ceased for about three weeks but have now recommenced. Last week I received a copy of the credit agreement with an unsigned 'click to sign' box and completely the wrong DOB, but used my correct initial and address. It also contained a bank sort code and account number, also not mine. The date this loan was taken out co-incides with the time my credit card company alerted me that my credit card details were being used fraudulently. If TXTloan had this address, why would they never write to me? Checks on personal details such as name and date of birth are so easy now-a-days any fraudster can access them far too easily with a few clicks on the Internet, along with mother's maiden names. This being so easily accessible makes it seem absurd that banks still use these details as adequate security checks. But in this instance a quick check by any of them should have shown this. Interestingly garyjc is having an IDENTICAL experience to myself! I have reported it to the police and written to TXTloan explaining the situation. Now Fredrickson have started the telephone harassment again (it is my poor father that has to endure the brunt of these) what should my next step be? I'm sure there are plenty others out there with similar experiences and would love to hear any with such similar circumstances. If payday loans companies can give out money to fraudsters who need no more than someone else's name and address, then surely there must or will be loads of such cases.

My wife has a crap 1 card, she took them to court in Nov after they refused to refund charges, they settled mid Nov for £109 which they took of the balance but not off the monthly payment which included the charges, she made payments of about £50 per month and again they charged in Dec and Jan O/L's and Late fees as payments were always below their figure (which included their refunded charges) so went back to court in early Feb,then Crap1 issued a default notice for £206,which was still made up from the previous charges that have been refunded, the current court case is for £79 and a further £24 has been added,so in total £213 has been/is being claimed for charges but they have issued a termination notice saying defaulted for £206. As this £206 is clearly made up of charges and she has made more than what would have been the min payments each month how can they suggest the account has D/F as the D/F is made up of their charges that they have refunded but refuse to take off the minimum payments? Without the charges added to the minimum payments the account would have remained upto date and therefore cannot warrant a default or T/N. The POC'S in both her court claims state any defaults must be removed so considering refusing when they no doubt make their 11th hour offer. The payments they decided to take off the balance also included the court fees which surely have nothing to do with cap 1's account. Letter from Fredricksons came dated 22/2 Crap 1s D/N & T/N was dated 21/2 looks like sour grapes to me, a case of trying to get their own back.

I have been getting daily texts from Frederickson asking me to call despite them failing to provide a CCA Has anyone else had text harassment from Frederickson. Im investigating how to get these blocked with Vodafone. But if anyone else has any experience of this let me know i suspect its going to be tricky to get this stopped as i doubt laws that cover phone calls cover text messages as well.

I original requested proof of contract but the said to me i had to get that from the original supplier and then asked me what i propose for the debt. I received NO contract just that the consumer credit act 1974 does not apply to mobile phone services and sent me back my postal order for £1.00. To let you know i do not owe this debt as i have never had a contract phone lol. Nice of them. I have recently found out that they still need to prove i owe the debt never the less with help from the templates on the forum i have written a second letter which i will be sending tomorrow i just thought i would post it here see what you think. Maybe have a giggle or two lol Dear Sir/madam Thank you for the recent correspondence sent to me dated 11/01/2011. I understand the Consumer Credit Act 1974 does not apply to mobile phone services but this does not excuse my request for your complaints procedure and proof that I owe the debt. I would like to point out that I have no knowledge and do not owe any such debt to Arrow global guernsey Limited (orange mobile), I have NOT obtained any device or service from this company regard to this al-edged debt so my proposal to you is to discharge the balance and close the case. I am familiar with the CPUTR 2008 and the Office of fair trading guidance on debt collection, which states that it is unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question. I would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. AND in not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods. Further more ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment. I would ask that no further contact be made concerning the above account unless you can provide evidence as to my liability for the debt in question. Any further information or work to be done will be charged at £25.00/letter +VAT and £1200.00/hour +VAT for my time. I feel these are reasonable as my time and resources are valuable to me. I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to Trading Standards and also inform the Office Of Fair Trading of your actions which may also incur my charges at the rates stated above. I look forward to hearing from you in the very near future. Best regards

Today I received a letter from Bryan Carter advising that if I do not make full payment within 14 days then he will recommend to his client that proceedings be issued without further notice. The debt is from an original loan and a credit card from EGG. It was passed to Credit Solutions some years back and I was paying them at around £45 per month but a few months ago I could afford it no longer and cancelled the payments. They passed the debt to Fredrickson International who have sent me several letters all of which I have ignored. The alleged amount is £1507.68 but I have no way of checking this. The letter says I should telephone Fredrickson immediately to avoid further action but the last thing I want is them knowing my telephone number. I would be grateful of any help as to how I should proceed with this.

I cancelled my account for telephone & internet service with Tiscali in August 2008, when moving home. Two months later, in October 2008, I noticed that Tiscali were still taking Direct Debit payments, so I cancelled the DD (I believe that 2 months is long enough for Tiscali to have collected any outstanding payments for their services). I believe Tiscali 'forgot' to cancel my account, which is why I did not receive a cancellation confirmation letter from them until October 2008. I chased Tiscali for the excess charges they had taken from my account after cancellation (£20.49) & in December 2008 Tiscali paid back the above sum, less the cost of call charges (£0.18) made after the cancellation date in August 2008 (fair enough), making a payment of £20.31 to me. In March 2009 I received a demand from Fredrickson International Ltd, for £20.49. After several phone calls with both FIL & Tiscali, explaining that I could not owe Tiscali any money as they had admitted taking excess charges by DD & had refunded me the charges taken 'in error', by cheque in December 2008. Fredrickson asked me to send them the documentation showing Tiscali's error & refund, which I did in April 2009. I have heard nothing since, until receiving a message from my old address today, saying that they had opened a letter addressed to me by mistake. The letter was from ROXBURGHE D/C's & was regarding the same alleged debt, which they now put at £43.99. (dream on) I have emailed Roxburghe, 'suggesting' that they might like to contact FIL who should have all the documentation I sent to them in April 2009, & from whom I have not heard a word since then! It may be a coincidence, but both FIL & Roxburghe have 'KT** ***' postcodes, which could explain why that part of Surrey has such over-inflated house prices, if it is a fraudsters 'hot-spot'?!