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aBitofaPickle

Orange/Arrow/Fredrickson

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I received a couple of phone calls last week, asking if I was ABOAP, I refused to respond after dealings with DCA's over another matter.

 

Today I received a letter from Fredrickson International who are instructed by Arrow Global asking for immediate payment of £200 (approx). I believe this is for the outstanding amount to Orange when I ported my number to o2.

 

I have checked my credit report and it has me defaulted since Sep 06 on an account opened June 99.

 

What should my response to Fredrickson be.

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If you owe the money... paying them would be a good move. By doing so the default will change to show 'settled' and be less of a pain until the note expires in 2012.

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I'm not affected by the default, I have no intention of applying for any credit. Would there be any way to negotiate a percentage payment?

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I think I should have started this thread here to get more responses. I'd be grateful for any advice.

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You would need to furnish a little more information.

 

Although it's for an O2 account and as such not covered by the CCA

 

is the debt legitimate?

is the balance being claimed correct?


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Make them prove the alleged debt exists & they have the right to pursue it, so send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt


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You may be able to negotiate partial payment, you could write to them and make them an offer, but matters would proceed more quickly by telephone.

 

If your going to make them an offer I'd suggest you offer at least 50%-60% of the debt, anything less and they are unlikely to take you seriously.

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You may be able to negotiate partial payment, you could write to them and make them an offer, but matters would proceed more quickly by telephone.

 

If your going to make them an offer I'd suggest you offer at least 50%-60% of the debt, anything less and they are unlikely to take you seriously.

:eek:

re above dont do anything over the phone do it all in writing so you have a paper trail and cant be bullied into paying what u cant afford

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Agreed. One person may say its OK to part pay and someone else denies it. However, the damage to your credit file is done - that chances of you being taken to court are slim so the weight of the DCA is usually limited to coercing you to make a payment of some sort, and move on.

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In the same boat here, Arrow are the biggest wasters so far. First and foremost, SAR them, even though its not covered under the usual credit regs you can still insist on everything they hold using the Consumer credit act and data protection act.

 

Once you have all the info, which 9 ou of 10 times they will not be able to provide, you can make an educated decision on what action to take. If they can't provide any account info or prove debt, then your onto a winner.

If the last interaction on the account was over 6yrs ago it will certainly be Statute barred and therefore unenforceable in court.

 

Arrow are specialist idiots when it comes to buying up bulk debts that are already barred. They are extremely cheap to buy and they only nee to convert 1% to make a profit, most people don't understand the law relating to statute barred accounts and just pay up.

You should NEVER acknowledge any debt, instead make them prove it exists, which most of the time they just cannot do.

 

J.:)


Consumer Action Group, the forum for all of us.:)

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I've sent Fredrickson a 'prove it' letter as suggested here, not heard back yet.

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UPDATE...

 

The loonies at arrow are really hitting new depths, let me enlighten.

As we are all aware by now, it is wholly illegal to continue ANY recovery actions if an account is either A) IN DISPUTE

B) SUBJECT TO PENDING COURT ACTION

 

Being as my own case is now both of the above, ie i am counter suing them for being bloody idiots! but they have now tried (and failed) to threaten me with legal action if i don't pay up... (on a debt that does not exist !)

 

Ok, so they clearly have no idea what they are doing, but does this not clearly show what a complete ****e state the industry is in. They are in breach of so many laws i don't know which one to quote first, and where is the protection for the consumer ???? it does not exist, these parasites are allowed to operate at will, only when someone stands up and says NO is something muted in the way of correction...... sick!

 

Oh by the way, they did manage to send a statement, guess what.... Statute Barred ! so they are enforcing recovery on something that is legally non recoverable, borderline fraud and definately another nail in their coffin.

It just goes to show, you absolutely should not agree to pay anything unless it is proven beyond any doubt that there is something to pay.

 

This site has been a real eye opener for me and I guess a whole lot of others, if reading the forums is anything to go by. I am forever grateful to the many that have offered unbiased and intelligent advice, it's very true that there is strength in numbers.

 

J.


Consumer Action Group, the forum for all of us.:)

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UPDATE+++++

 

Ok as expected, received no less than 3 envelopes this morning, a little strange I thought so I was eager to see what was enclosed.

 

Envelope 1) A copy of the rubbish they had already sent me, which only confirmed that they had broken the law and were involved in fraud by trying to obtain money by menaces!

 

Envelope 2) Well this was the icing on the cake, a full and complete appology with a pathetic attempt at " we did not know" therefore were innocent....

The final line stating we will no longer be recovering this account.

What a total bunch of +~!^**

 

Envelope 3) Court papers attempting a stay of one month on all proceedings so that an agrrement can be found to settle the outstanding issues.

Outstanding issues meaning.... the illegal placement of default markers on my credit file when there was no debt to recover in the first place.

The illegal sharing of my information between them and two other parties when they had no right or authority to do so.

The continued enforcement of recovery methods even though the account was clearly in dispute and therefore excluded from enforcement.

 

Luckily I have a friend who is a practicing solicitor, here is where the real difference of opinion comesin, I was willing to let them off with a slapped wrist from the court and a little pocket money to help along the way. He however has advised suing them for up to £5k as it is clear they are backpeddaling fast and want an easy out.

 

Will have to think on this one, mind you it would make the pill easier to swallow if i could really hurt these parasites.

Will update further as it happens.....

 

Keep up the good fight everyone, we will win in the end !!!!

 

 

Jetbags:)


Consumer Action Group, the forum for all of us.:)

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Got a reply today to my prove it letter. It is a list of statements from Orange with a balance of the requested amount.

 

They state their client as Arrow though are they one and the same, or would they need to show transfer information?

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I've read a few threads from people in similar circs with orange/fredrickson, but still not sure from reading them what my next move should be. Fredrickson have started vigorously contacting me again now that they have sent the statements.

Should I send a SRA and if so who to? How do I get them to prove that Arrow have a right to claim this debt?

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the sar goes to orange, this should show all the documentation and whether the debt has been assigned/sold whatever to fredricksons..it cost £10.00 and i believe they have 30 days to comply..tell fredricksons account in dispute until you get the information

do not talk to them on phone if they ring put phone down, or refuse to go through security..in fact you can have endless fun with them..pretend to be deaf..go make a cup of tea...there are numerous scenarios to wind them up with

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I'm not speaking to them on the phone but a bit worried that they will come to the door!

If the SAR shows that orange did sell the debt to Arrow, would I then have to pay Ffredrickson the amount they are asking for?

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nope you only pay what YOU can afford, if that is only a £1.00 a month so be it...however lets wait for sar and see what comes back before worrying about maybe's

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I want to get this sent off but I'm still a bit confused who to SAR. Fredrickson are chasing the debt on behalf of Arrow (on all of their correspondence) when I sent then the 'prove it' letter, the replied with statements from Orange.

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After sending the 'prove it letter' I've had a response with Ornage statements. I've been advised that my next move should be to SAR orange, but I'm confused by this as Fredrickson have never mentioned Orange except to send statements from them when I asked them to prove the debt to Arrow.

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Check the statement very very carefully, they have a tendency to cut and paste a lot of their material to make it look authentic, when in fact its a complete forgery.

Also check the date of the last transaction, if it's more than 6 years old then it's statute barred and unenforceable in law, a counterclaim should then be started by you to claim for intrusion and damages, liability set at no more than £5k

There are thousands of alleged debts being chased off the back of bogus outstanding mobile phone contracts at the moment, you have to follow due dilligence and process to show that you have tried to uncover where the debt(if any) really is, so SAR orange and also demand full disclosure by Frederickson of all data held, including screen shots of the account they hold on you.

When you have alll the info you can make a judgement as to whether it's real or not. Like most you will find that it's a case of a **** bag debt collector trying to extort money by menaces( which is still illegal in the UK) out of what they see as an ignorant general public who do not understand the law, thanks to this site, that is no longer the case though....

 

GOOD LUCK!!

 

Jetbags


Consumer Action Group, the forum for all of us.:)

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