I have returned! Having not posted since 2014, no issues, no debt afaik everything gets paid, tax paid on time, bills utilities etc that kind of thing. But we awoke this morning to find a message on our answerphone from Fredrickson International instructing somebody who they believe lives here, with a VERY dodgy sounding name to contact them with a reference number... They had called, hung up and then called again to leave this automated message. I am totally and utterly confused as to what this is? We have no debt... nothing! Back in 2011 I had a letter from an agency claiming I had a debt with a catalogue at an old address, dating back to 1997 but they never sent me proof of what it was this claim was about? I had no catalogues back then, I lived on my own and never touched the flipping things. This went quiet after I asked for advice here. I worked out whatever it was, it was statute barred anyway. I will assume that whatever this is, it has to be either historic assumed debt but how the hell did they get our landline number? Is this possibly another sold off debt thing and they are trying their luck? What bothers me is the name of the person they are asking for! it ends with "Woodcock" but its very hard to make out? I can say now our family name is not that lol! Can I safely assume this is fleecing/phising? or will one of us be expecting a dodgy letter sometime soon? Thanks in advance for any help

Hi all, Not sure if this is the right place to post this, if not please can a mod move it to the correct area. I've received two letters from Bryan Carter Sols for two accounts that Lowell are chasing. the first one has the correct account number and the second one has two digits missing from the end. Both accounts had been placed in dispute (2009). Bryan Carters' letters states that he will recommend proceeding to be issued after 14 days. I wrote back, telling him one account was placed in dispute in 2009, and I do not recognise the other account number apart from being similar to an account that was also placed in dispute in 2009. My letter also stated, if their client feels they have the right and valid reasons to go to litigation then they should contact me with any supporting documentation and their legal rights to the accounts. I also made it clear that I would defend any claim. Response letter fro BC Sols: Account on hold, and awaiting clients instructions. Received two letters the day after from Fredrickson International Ltd (one for each account) Saying that neither their client nor the OC have any records of a dispute on the account, and I should forward and correspondence evidencing a dispute or contact them with payment proposals. I've copies of the letters sent in 2009 of the s.77/78 request and of the in dispute letters both with proof of postage. the question is should I send them or just wait for there next move? thank you,

Help! How I have missed this I really don't know but it seems at some point in the past my water Direct Debt got cancelled and I never noticed. Unfortunately neither did I hear from the water company to alert me to the fact in the same week I've now received an outstanding water bill and a threat-o-gram from PW Moody's . I contacted them today saying I've now investigated and can see that this cancelled dd was the problem but that I genuinely can't pay the balance in one hit. What I'd like to do is set up a dd to cover this years bill and then organise a payment plan to deal with the arrears amount. Moody's say No, they want the whole lot cleared in monthly instalments by January which firstly makes the payments really high and they want my debit card details rather than my bank details, I'd be happier paying by direct debit as continuous card payments make me feel nervous some reason, or does this not matter? Can they force me to clear the whole lot by January? I'd really like a little more time.

Hello my partner and I have a direct debit with Comet for a fixed term loan we have received a statement today and it has something called a Sal Fin Int Charge. We have read through the contract/information and it does not mention anything about this charge we have not missed any payments and they have all been paid on time so what is this extra charge and why are they adding it to the existing balance every time that there is a transaction can someone please explain what this Sal Fin Int Charge is any information would be appreciated as we are confused to what it is and why it has been added. Thank You

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]