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Ridgeworth Fairmile/freds/Gothia


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Hi People,

Freds are getting on my nerves again so looking for advice.


In March 2010 I got a letter from Ridgeworth Fairmile saying Gothia had been appointed agents to manage an account.

Sent RD CCA Request then in May 2010 got a letter from Gothia saying their client was unable to provide the relevant documents (yawn) and that the account had therefore been closed.

All quiet till now.

Today got a letter from Freds for the same account but it doesnt look like its been sold on.

Its the usual threatogram but begins with the line, " We are instructed by Gothia Limited to collect the above debt which is now seriously overdue.

You have failed to pay the balance of £xxx.xx which remains outstanding despite repeated requests for payment. Our client now requires payment in full to avoid further action".


Ok so first, Gothia should have never appointed Freds to threaten as they already admitted they do not have any agreement ( I still have the letter).

Second, Freds state that there have been "repeated requests" for payment. There has in fact been only one, and that was brought to a halt with the CCA Request.


Now I know that this is just a bunch of DCAs pulling their usual fast ones and spinning the usual lies, but is there something more I can do than just report them to the relevant authorities who dont really do much anyway?

It would be nice if I could cause some action that keeps a debt with a DCA once its been established that no agreement exists or can be found, or that the debt is returned to the OC and THEY cannot pass it on?

Any thoughts anyone?

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Write this back, copying in the Office of Fair Trading, Trading Standards and the Ministry of Justice


Dear morons


On xxx date I CCA'd DCA1, they had no documentation and closed the account (if you have a copy of the letter add it as an attachment)


Why it has been passed to you is a mystery so therefore I am reporting both yourselves and your clients to the OFT, Trading Standards and the Ministry of Justice for harrassment.


I trust this closes the matter.



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Hi sillygirl,

thanks for that. I was wondering if there was anything that I could do? The more seasoned of us know that all these respective organisations effectively "crap in the same pot" so to speak and that contacting them doesnt really achieve anything.

Maybe Im looking for an independent cause of action that could make these DCAs think twice about their continual harrassment of their "clientele" in general.

We all know they frequently ignore any laws/guidelines out there, and we all know bodies like the OFT etc dont really do all that much.

Seems to me that its possibly down to the little man, as usual.

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This is why you must include the Ministry of Justice, as a newer organisation with a pro-active agenda they can and will close down delinquent organisations. Look how they have quickly closed down the claims companies who claim they can have your debt wiped out.

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