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Fredrickson International Ltd / Lowel Financial Ltd


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Hi All

 

Firstly I would like to say thanks for reading this thread.

 

I have to day received a letter from Fredrickson International Ltd as detailed below,

 

Dear Mr .................

 

LETTER BEFORE ACTION

THIS DEBT MUST NOW BE PAID IN FULL TO THESE OFFICES WITHIN THE NEXT 7 DAYS OTHERWISE WE WILL TAKE IMMEDIATE ACTION.

 

They are claming I owe them £1046.64 for a barclays bank product. And if I don't pay I will be liable for interest and cost bringing the new balance to £1275.37

 

The only thing is with this debt it was a joint account with my Ex partner and we only used it for paying money in and on a few occasions we wrote cheques out prior to the money being in the account so I can only assume that this is excess bank charges as we had no over draft on the account.

 

How do I find out what this debt relates to etc, etc

 

I look forward to your any help

 

thanx

 

 

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What you should do is send a SAR to the original creditor in the first place....

 

Then a short letter to the debt collection agency stating that you have sent a Subject Access Request to the original creditor under the data protection act, and are disputing this debt as you believe that it is made up of excessive penalty charges.....

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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Thanks for that information, however i am a little confused as to who isend the sar to as the debt was with Lowell Financial Ltd then It was i assume sold to fredericksoninternationl.

 

So do I send it to barclays bank plc,or to lowell financial ltd?

 

Sorry

 

Thanks

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