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  1. Hello to all of you. For more than 2 years Lowlife harassed me with an old debt with Three Mobile. They claim that I breached the contract with Three and now I have to pay the outstanding debt. I asked Lowlife to show me the contract it was breached by me. They never send me anything and kept sending me the same letters ( about 25 letters in total up to now). At the beginning they sent so called Notice of Assignment. Actually was a fake where they used Three Mobile logo on the top of the letter with no signature - that was in Decembre 2015. Recently I have re
  2. I dont know whether to laugh about this or be very cross. I am helping a friend with his debt with Fredrickson, personally I dont think it should have been passed to them in the first place as its a disputed debt with BT and they have refused to discuss it further with my friend and so then passed it over to these monkies. I have written to them enclosing a letter of authorisation so that I can deal with this for him. However because I used his initial in the address and not his full name, albeit where he had signed his name it is in full and quite clear 3 lines down, they are re
  3. 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 agen
  4. I have a debt to EE which is in default and I've had for some time now. A month ago I wrote to EE with an offer of a full & final settlement which they say they couldn't accept but as an act of goodwill regarding my situation they would write off the outstanding balance. Just over a month later I receive a letter from Fredrickson International saying that their client has instructed them to collect the outstanding balance. I also notice that the balance they have on the letter is actually £45 higher than what was originally owed (no interest or charges were being added by EE - I
  5. Hi My partner was fined 2 years ago by HMRC for £15k, (she got caught up with a pension spoof, where she lost everything) I started paying this debt for her and was then advised by Stepchange that I shouldn't be paying it and I'm not liable, my partner doesn't work due to depression and looking after our children. 2 days ago she received a letter from Fredrickson stating the debt was £9900 (no idea why its less than original amount and I didn't pay off that much) they are stating "Failure to contact them immediately will leave them no alternative but
  6. This may seem odd but I have just received a payment into my bank account from Fredrickson International. 10 years ago we lost almost everything we had to a business fraud. In the intervening period, we have rebuilt credit and established a new business. However, at the worst time, Fredrickson were one of the hardest and nastiest companies to deal with. I have never, to my knowledge paid them anything or given them my new account details so am mystified that a payment should suddenly appear in my account. I told my bank I do not want this money but they told m
  7. Hi there, apologies if ive posted in the wrong place, as im new to the site. Im only 21 and quit my job just before Christmas, for about the last 2 and a half months i have been disconnected from Vodafone service due to me having no income. This is my own fault and the monthly payments have stacked up meaning i owe £120 in total. Two days ago i paid off £100 of the debt and plan to pay the last £20 today, this morning i received a text message from Fredrickson International instructing me to sign up on fredpay or contact them immediately on a number. I have read
  8. I have an account with Lloyds, and have admittedly gone over the agreed overdraft a few times. after going through all my statements and calculating the total amount they've charged me, it comes to about £2000 in charges. I've already put in a claim and got the usual response back, however last month they removed my agreed overdraft limit of £500, and won't let me apply for another overdraft, so I opened a new account with a different bank. now I'm getting letters threatening me with court action because I'm £770 overdrawn. What should I do here? Try
  9. Hi, I wonder if I could have some advice on the following. I checked my credit report for the first time in a while today, and notice that Lowell has added a default, dated 04/01/2011, for a small debt which is 'mail order'. Looking at the account start date of 2001, this is clearly a Littlewoods account which I stopped paying back in about 2006/7 when I got into significant financial difficulty and it ceased to be a priority debt. I've not paid or acknowledged the debt in this time, and it's almost certainly a) mostly made up of charges and b) statute barred
  10. My OH received a 'Confirmed Resident' letter from FPC before christmas in respect of an outstanding debt but no details, asking for payment ? I told her to ignore it, in which she did now she is continuously receiving further letters, this time with a balance outstanding on a debt with Capital One, that she vaguely remembers but not sure how long ago. Does she just ignore them or should she now send the standard DCA letter not acknowledging the debt and requesting the original CCA agreement / Notice of assignment details etc ? even if she sends a letter no
  11. Just as I thought we were getting on top of things notice of an Interim Charging Order arrived followed shortly by a notice from the Land Registry. It appears Mrs Spoon has been struggling (on her own) with nearly £18,000 of store and credit card debt and is now quite unwell. It is only because we have a joint mortgage that I became aware of the tip of the iceberg - now the rest has become clear. There are two CCJs (by default) against her and Restons have secured the interim charging order. I understand that this can only be a restriction as long as I don't agree. We
  12. Hi all, I'm looking for some advice in regard to a very old Barclaycard account which my husband is being chased for. We sent a "prove it" letter to Bryan Carter solicitors, and have now received a letter from Fredrickson stating that if full payment is not received within 48hrs, Fredrickson will recommend that Lowell commence legal proceedings. Am I right in thinking we should now sent a CCA request to Lowell?
  13. Hi Fredricksons are chasing for a water bill whichis currently being paid off and a very rapid rate of nots direct to Welsh Water - the surname on the bill is incorrect. I am ignoring them and paying direct each week. They are sending daily texts asking me to get in contact with no name mentioned (ie mine) no details beyond a request for contact. I am also getting regular phone calls however there is no real person on the end of the phone after a long pause there is an automated message. Today another call I actually decide to answer it - complete silence, a voicemail is l
  14. I have today recieved another letter from fredricksons this time headed LETTER BEFORE ACTION. How serious should i take this ?? Is legal action imminent as i dont want to be caught off guard and a claim form landing on the doormat, or is this just another standard threatogram ?? Any help would be much appreciated thanks. Any further info needed just ask please.
  15. hi all In 2002 my mum was sent a letter with an application form for a Capital one credit card. She signed the form and sent it back as she's never been offered credit before and was quite excited. She was unemployed at the time as she is long term disabled. She didnt sign an actual agreement, they just sent her a credit card. It was a normal Cap1 credit card. After a month it went up to a silver card, then a silver sleepy kitty card, then a gold card. She was making regular payments and was well on top of it. Then one month she was late with the payment an
  16. could anyone help with this , i have lowell chasing a debt that they purchased from barclaycard some years ago , im fairly certain that this is SB , on my credit file there is no reference to barclaycard there is reference however to the debt by lowell who have been reporting it since 2008. The account was actually opened in 2004 but as there is nothing under barclaycard i believe it to be SB as lowell only started reporting it when they bought the account , have i made the correct assumption on this?
  17. I was recommended here from posting/reading on MSE, thanks in advance for taking the time to read/comment. I've received a letter today (dated and postmarked 3.2.14) from them stating they have been instructed by Fredrickson International Ltd on behalf of Lowell Financial Limited to issue court proceedings on the 17th Feb. I don't want to panic but the words court and CCJ have got me flustered. I've noticed Lowell placed a default on my credit file which is in it's 5th year (default date Sep 2008) and they've got my month of birth incorrect, along with a linked address I
  18. Hi All...new here..but seems like the place to be right now... went through a period of illness got into debt. .in hostels etc for a period of years and now got my life back - however after not being a position whatsoever for the last eight years to look at debt stuff it would seem they follow me everywhere and truth be told I have no idea about half of them! Got a letter from Bryan Carter solicitors saying they have been instructed by Fredrickson on behalf of lowell financial to issue court proceedings withing the next eight days (27th march).. .they are saying to
  19. Hi there, I came across this form by googling my situation and found some people who had similar (but not identical) issues. I was wondering if the community would be kind enough to give me some specific advice on my current situation. Last month I received a letter from Fredrickson International Ltd. stating "information has been received confirming that your address details have changed to this address" and asking me to call them immediately for more information. I had never heard of the company before so put it down as a fishing [problem] and ignored it. Later that mo
  20. Hi , please help in 2011 around july Vodafone charged me £95 on my bill which l disputed as my contract was about 25£ a month , they told me l went over the limit which l still disagreed as l knew it wouldn't have been that much , they then disconnected my phone , which l then contacted them to end my contract if they didn't seem to have any solution about my bill , After four months l then got a letter from Vodafone saying they have disconnected my phone and l owed a £441 bill still l contacted them wondering how my bill had gone from £95 to £441, they t
  21. Hi there After successfully challenging and fixing my own debts I am looking to help a friend of mine who has been constantly harassed by Lowell and now Fredrickson international for a catalogue debt, I just wanted to ask a few questions and hopefully get some guidance. The story is My friend moved home and after a 6 months he started receiving debt letters from Lowell saying he owed x amount to kays/shop direct, he has never had an account with either of these and suspects someone somehow opened a account with them using details left behind in letter form at his
  22. First time poster.. I recieved a letter from fredrickson international limited informing me that they would like confirmation of my new address and asking me to contact them? It doesn't tell what the debt is and who it is with. But I'm sure it's an vodafone unpaid bill. I left my job to care for my ill partner and my little one and was up to date with my payments, but then monies became tight. I asked to downgrade several time which they refused, then I asked to cancel my bill and start making small payments. again vodafone refused saying that
  23. Hello, My girlfriend took out a phone contract with O2 and lent the phone to a friend as her father bought her another (long story) the friend then stole the phone and sold it (police couldnt do anything as the phone was lent ) And it had just gone over the 2 weeks so the contract couldn't be cancelled. My girlfriend then lost her job so couldn't afford to pay the phone contract, and is still unemployed with no income. She received multiple texts and phone calls of fredrickson which she ignored, they then sent a letter demanding payment which she didn't reply to again
  24. Sir, I am trying to get some sensible feedback about how to deal with Fredrickson International who seems to have been engaged by Capital One to collect a Credit Card debt that dates back to early 2011. From April 2011 for some 6 months, I had sent some 17 letters to Capital One, who then engaged a company called Cougar November 2011 and from that date, I have heard nothing until 13 December 2013 when this company Fredrickson International appeared on the scene. Fredrickson are threatening and very presumptuous, and have not responded to (in fact totally ignored) my let
  25. Hi forum goers! This is my first post so I hope I've got it in the right place. My situation is quite standard but need some advice on what to do next and some clarification of my position. Some years ago I had a Barclaycard which I was unable to meet the payments. Eventually I stopped paying and forgot about it. I sought debt advice at the time and stopped worrying about it. The debt got transferred to Lowell who chased me for years and my credit rating was shot. A few years ago though I started getting accepted for credit. Opened bank accounts, got a
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