Fredrickson/ TXTloan harrassment for money not owed

[curlyhead]

Being bombarded with calls from Fredrickson's followed by receiving a letter saying I owed £247 to TXT Loan Limited, I assumed it must be some kind of 'problem' as I have never taken out any such loan or heard of either company. Googling it enhanced my suspicions as I found Fredrickson's had a habit of attempting to squeeze money out of people who did not owe it.

 

I wrote to them asking them for a copy of the CCA and clearly stated that this was not my debt and that all correspondence on the matter was to be in writing.

 

They replied that they had referred the matter to their client and were putting the account on hold in the meantime. The phonecalls ceased for about three weeks but have now recommenced. Last week I received a copy of the credit agreement with an unsigned 'click to sign' box and completely the wrong DOB, but used my correct initial and address. It also contained a bank sort code and account number, also not mine. The date this loan was taken out co-incides with the time my credit card company alerted me that my credit card details were being used fraudulently.

 

If TXTloan had this address, why would they never write to me? Checks on personal details such as name and date of birth are so easy now-a-days any fraudster can access them far too easily with a few clicks on the Internet, along with mother's maiden names. This being so easily accessible makes it seem absurd that banks still use these details as adequate security checks. But in this instance a quick check by any of them should have shown this.

 

Interestingly garyjc is having an IDENTICAL experience to myself!

 

I have reported it to the police and written to TXTloan explaining the situation.

 

Now Fredrickson have started the telephone harassment again (it is my poor father that has to endure the brunt of these) what should my next step be?

 

I'm sure there are plenty others out there with similar experiences and would love to hear any with such similar circumstances. If payday loans companies can give out money to fraudsters who need no more than someone else's name and address, then surely there must or will be loads of such cases.

[BRIGADIER2JCS]

You must inform Freds that you will correspond only in

writing for a start.

Also include the phrase I DO NOT ACKNOWLEDGE ANY DEBT TOU YOU OR THE COMPANY

YOU CLAIM TO REPRESENT.

Basically it is up to them to prove that you owe the debt,, not for you to prove you don't.

Tell your father just to say only in writing and hang up.

[curlyhead]

Thanks again Brigadier2JCS, thought I should start my own thread for advice on what to do now that the telephone harassmnent has started up again while awaiting TXTloan's response! You think I should write again to them telling them all this for a second time?

 

I have told my father not to answer and not to seak to them. They say who they are in a recorded message. Both of my parents have been defrauded many times in various scams. They are consequently on what I believe is termed 'the suckers list' and targeted on a daily basis despite my efforts to stop it and advising them to trust no-one. I assumed this was a [problem] too.

 

Is there no regulation stating that an alleged debtor should be contacted in writing before selling the alleged debt to a DCA? And for a DCA to not continue to telephone when a formal request has been made for all correspondance to be in writing and the DCA has put the account on hold? Also, with the date of birth and account details being in-correct on an unsigned credit agreement, surely it cannot still be valid?

[woodster]

can anyone advise that wat will happen if i dont pay a debt to bryanclark sol,fredricksons sol?can they take me to county court or is it just threats?i did have credit card but only sighned on not?can they take me to court?

[BRIGADIER2JCS]

Brain Carter solicitors!! will start court proceedings at the drop of a hat, he uses

the court system to threaten.

As to the rest of your post I find it a bit confusing

Please give us some more details and the guys will be able to advise.

[curlyhead]

More telephone harassment despite them receiving letter stating I wished all correspondence to be in writing and today received a LETTER BEFORE ACTION from Fredrickson. What letter to send now? I will certainly be going back to the police who asked me to let them know if Fred gave me any more trouble.