Help with MBNA and Fredrickson international

[charliechaplin]

Hi guys thought I would start my own thread on this with regards to 2 MBNA accounts.

I stopped paying around a year ago as I could not afford it. The debt has been passed to a few DC but it is still with MBNA and not sold.

Fredrickson international has now been employed to collect the debt. I send CCA request and they both look fine although Im not an expert to be honest.I have been receiving calls night and day, also I have just been sent a letter for one of the accounts stating LETTER BEFORE ACTION!

Pay up within 7 days or we will take further action, they also included court fees and solicitors costs of £85 and £80 if they take me to court. I haven't spoken to them via phone as I was adviced on a previous thread. I was also advised to open my own thread regarding this so hope someone can help.

I am going to send MBNA SAR request today but is there a letter I can send the DC Fredrickson international until I can see what charges I can claim back?

I am currently suffering from depression and have been put on benefits this week so the most I could offer is a token payment, would that be a good idea?

Thx in advance

This was my original thread, have only just been able to put the internet back on.

http://www.consumeractiongroup.co.uk/forum/showthread.php?300175-Hi-everyone-newbie-needs-advice-please-as-I-m-at-my-witts-end

[Kamira]

I cannot help with most of your thread, but to stop the phone calls you can send

That should stop some of the pressure and give you a chance to think calmly. Also read carefully the letter from Fredericksons, does it say they WILL take you to couert or MAY take you to court? If its the latter you have a bit more space before anything happens.

 

Good luck with it

[Kamira]

Could not add the link even though it was to this site as I only had 19 posts, this being number 20 it should work!!

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

[charliechaplin]

Thankyou for your reply

[stevo7790]

Im going through some actions with Fredricksons and Bryan Carter, it seems as though the letters are the same and eventually it will get passed to Bryan Carter they also share the same address , can you post up your CCA so we can see it, also is it a reconstruction? or original... there must be prescribed terms on it to make it enforceable.

 

I think a SAR has a 40 day time frame for response am I right guys?

[charliechaplin]

Hi, the letters say they will take further action! and my brother has just informed me he didnt get a chance to send of the SAR request until this morning, I asked him to post it rec delivery as he lives next to the Post office, but the little bleeder got caught up with something.

Its getting sent today, shall I write to Fredrickson international and state once I get the SAR details back I will have a better idea of the exact amount they say I owe, also is it a good idea to offer a token monthly payment in the time being?

[miss muppet]

Im going through some actions with Fredricksons and Bryan Carter, it seems as though the letters are the same and eventually it will get passed to Bryan Carter they also share the same address , can you post up your CCA so we can see it, also is it a reconstruction? or original... there must be prescribed terms on it to make it enforceable.

 

I think a SAR has a 40 day time frame for response am I right guys?

 

Quite right Stevo, it is 40 days. Dont panic charlie and certainly don't offer them any payment until you know whether the agreement is enforceable or when ordered by court. If you can post "the agreement" up for peeps to give their opinion, first editing all personal details by using a site such as photobucket which is free..

 

Do not let FI bully you, thats what they thrive on - you don't need to write to them, just let them keep spending postage on their pointless threats, file them all away, and don't forget to use Royal Mail's track and trace site, printing off the details of when the OC sign for your SAR.

[charliechaplin]

Quite right Stevo, it is 40 days. Dont panic charlie and certainly don't offer them any payment until you know whether the agreement is enforceable or when ordered by court. If you can post "the agreement" up for peeps to give their opinion, first editing all personal details by using a site such as photobucket which is free..

 

Do not let FI bully you, thats what they thrive on - you don't need to write to them, just let them keep spending postage on their pointless threats, file them all away, and don't forget to use Royal Mail's track and trace site, printing off the details of when the OC sign for your SAR.

 

Thx guys, I only worry as I own my home, well the bank does, lol and going to court really does sound daunting at the moment.

I tried to upload my agreement on the original thread which there is a link to but as I don't have a scanner it didn't come out to well, I am going to reply to them stating im disputing the amounts with MBNA and can they hold off action for 28 days until I receive further information from MBNA, I have also offered £1 a week on each account to show good will, is that a bad idea?

Thx again for your response.

[miss muppet]

Its your decision as always charlie, however if you do start paying them again after a year's absence, the clock does start ticking again i.e. 6 years from now until your credit record is restored. How old is this account anyway, if its pre-2006, they must have all the details in the agreement. I know you can't scan but some people take a photograph and upload it that way.

[charliechaplin]

Hi guys,

Got a letter from Bryan carter solicitors a few days ago stating that if I dont contact Frederickson international that they would take me to court within 14 days.

I offered £5 per month to FI but they seem to have ignored it, I explained that I have just been given benefits due to being ill, they sent 2x payment cards but in there letter that also stated I hadn't reached agreement with them to make payments.

Im still waiting for MBNA to provide me with all the details I requested, Bryan carter stated If i dispute the amounts owed then could I provide proof, obviously I cant until MBNA get back to me.

Any ideas what I should do now? I will make my first £5 payment tomorrow morning to Frederickson international as it is all I can afford, any further help would be appreciated.

Thanks

[charliechaplin]

Hi guys, I have started paying £5 a month but Frederickson international have ignored this are threatening to proceed to take me to court, what I need advice on is what do I do if Bryan carter take me to court and I get a ccj? I own my house so I am very worried about this now, any advice would be appreciated.