@mbna MBNA Credit card debt/ charges reclaim

[dx100uk]

5 threads merged.

 

if its an active credit card then every month.

 

what is the status of the account.

inotice looking back at your many thread on MBNA and merging them here to one thread

 

that you were going the reclaim etc etc

 

did you do that?

 

whom and what are you paying now?

 

dx

[mikesmotor]

I've just received a letter from this Bryan Carter crowd regarding a desputed credit card debt from MBNA being handled by Fredrickson International. From research I have made it would seem that Bryan Carter is just anther section of Fredrickson International, does anybody else have information regarding that. In any case i was under the impression that a debt collection agency cannot act on behalf of a creditor with a notice of assignment (NoA) and also that the agency cannot pass on these matters to another party while the matter is in depute. I would be interested to know if anyone has experience of this.

 

Regards

 

Mike

[maroondevo52]

Hi, Mike.

 

I've started a new thread for you.

 

Regards.

 

Scott.

[merlin100]

Hi mikesmotor. Ive had the same garbage from Freds and then Carters. One very good idea is to send Carters a CCA Request - they do not like ANY form of resistance or to be made aware that a particular customer ( or "mug" - in DCA speak) may just know his/her legal rights.

They very often return the file back to the DCA with which the debt ( or Assignment of) lies.

Unfortunately this isnt the end of it. It just gets passed to the next DCA who starts the whole process (threats) again.

Be prepared to send lots of "in dispute" letters, all by recorded delivery of course.

[merlin100]

oops sorry - hit the "post" button by mistake!

The reality is that it doesnt seem to matter what might be legal or not.

What really happens is that no matter how you stop a particular DCA or "solicitor" from taking an action, all they do is bundle it up and flog it on to the next bunch of creeps.

Damned annoying I know, but even if you have seen half a dozen of these leeches off, you have to keep on the ball because the next low-life might just go for the CCJ if they think they might just get away with it.

So to my mind ( and experience) you can challenge a DCA on all kinds of things ( NOA etc) and probably beat them - but all that will happen after all your hard work is they will sell it to another DCA and you will literally have to start all over again.

Just keep it simple. CCA Request then Account in Dispute letter.

Then do the same with the next one.

And the next.................

[mikesmotor]

I've just sent a letter to Bryan Carter telling them that they need to speak to their so called clients Fredricson International. If that dosn't work I'll go down the CCA route. Incidently I've done a bit of further reaserch and it would seem strange to me that a firm of solicitors would (a) work on a Saturday (b) not include their phone number on their corresspondence and © have their offices on a warehouse trading estate next to the Brooklands race track. All very strange when you consider that Fredrickson International's postal address is the post office in Weybridge high street. I am very suspicious that Bryan Carter are a genuine firm of solicitors.

 

Mike

[seen this before]

they don't need a notice of assignment if the account has been passed for collection,the most important thing to do is send a letter of dispute giving clear reasons' to fredrickson international recorded delivery and stating that you will defend any action that they pursue.my experience when faced with this the account is then handed back to the original creditor.

[cashins]

You will find, (if you wade through it) a lot of Carter info here:

 

http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?323-Arrow-Global-Fredricksons-Bryan-Carter

 

David

[mikesmotor]

Who dosn't need a notice of assignment?

[PriorityOne]

I've just sent a letter to Bryan Carter telling them that they need to speak to their so called clients Fredricson International. If that dosn't work It won't.... I'll go down the CCA route. As soon as possible, by rec. delivery. Incidently I've done a bit of further reaserch and it would seem strange to me that a firm of solicitors would (a) work on a Saturday (b) not include their phone number on their corresspondence and © have their offices on a warehouse trading estate next to the Brooklands race track. All very strange when you consider that Fredrickson International's postal address is the post office in Weybridge high street. I am very suspicious that Bryan Carter are a genuine firm of solicitors.

 

Mike

 

 

Bryan Carter are in the same building as Freds. and whatever you send through to them will end up with Freds. You may need to raise a formal complaint with BC if he/they play silly b*ggers with your CCA request. They are a tenacious bunch who seem to like threastening (and using) the court process to intimidate.... but not impossible to get rid of as long as you are pro-active.

[ashmk]

Clowns not crowd. Bryan Carter clowns.

 

And not the evil ones with sharp teeth (Think 'it'). These are the ones with floppy hats and silly noises.

[mikesmotor]

Decided not to wait, sent CCA today.

 

Mike

[BRIGADIER2JCS]

Good, will be interesting to see what happens.

[merlin100]

Decided not to wait, sent CCA today.

 

Mike

 

Recorded Delivery right? If not you can guarantee they "never recieved" it. Give it the 12 days then send the "in dispute" letter and keep copies of your letters and print-off the signature from the Royal Mail site. There you have your evidence for failure to comply should one of these chancers attempt further steps in the future.

My file on a particular debt is now an inch thick because of Lowells, Freds and then Carters. Even after Lowells writing and stating their client does not hold an Agreement, they have, up to now, sent a further 5 letters demanding payment and threatening court action.

Needless to say, I have all letters for if they or anyone else attempts Court action somewhere down the line.

Havent bothered to tell them that its well Statute Barred by now - just me playing by the DCAs rules:lol:

[mikesmotor]

Oh yes definately recorded delivery although the post office say they can't guarantee delivery times any more. Anyway we'll wait and see.

 

Regards

 

Mike

[mikesmotor]

Hi All

I've just received a letter from Fredricson International in reply to my CCA request. They've sent back my postal order saying that I must go direct to MBNA (their clients) with this matter. I'm not sure that this is correct buit I would be gratefull for any advice here.

 

Regards

 

Mike

[coledog]

Rubbish! The CCA request goes to the company chasing you - it is up to them respond to it and get the correct documentation and they know this! They keep doing this. Send them the Account in Dispute letter- amended- as they have indicated that they are not prepared to honour this request when it is clearly their responsibility to do this. And send copies with a complaint to OFT.

[mikesmotor]

Should I not wait the 12+2 days before sending this letter? Incidentally they've (Fred. Int.) gone on to say they have plced my account on 28 day hold to allow me to go to MBNA then they will continue their collection activies.

 

Regards

 

Mike

[coledog]

Well - up to you - refer to the letter and just it make it very clear to them that you have made the request to them and it is their responsibility to refer this to their client

[BRIGADIER2JCS]

It's just plain laziness if you want the CCA

send to MBNA and tell them that Freds wouldn't

process it.

The are no doubt claiming they are not the

creditor in this case, a situation that is soon

to be resolved.

[mikesmotor]

Laziness on whoose part!

[BRIGADIER2JCS]

Fredrickson of course this is a regular occurrence with

CCA requests sent to them, they are totally uncooperative,and claim that

they are not the creditor so they don't have to do anything it's largely

pointless to try and get any result from them.

[coledog]

There are a few threads on here were Freds have done this - it is laziness on theiir part and should be reported to OFT as it actually constitutes harassment. I do not see why you should run around after credit agreements - if Freds/BC want to chase you they must provide the documents themselves!!

[mikesmotor]

Just got a letter back from Freds Int ref my CCA request. They've said that I need to contact MBNA 9the debt originators) with the CCA and they've sent me back the postal ordert that I had made out to them. They have also mentioned that they have put my "account"on hold for twenty eight days in order to give me time to contact MBNA. Anybody got any ideas where to go next.

 

Regards

 

Mike

[Fred Bassett]

Yes, go back to Freds to tell them it is their responsibility not yours to contact MBNA.