Fredrickson International - Arrow Global and Orange

[nutnutcase]

A company called Frederickson international contacted me around 6 months ago to say i was liable to pay a fee of £217.00 for an organe phone I took out in 2007.

 

The contract on the phone was only for 13 days.

They havent provided me with a complete breakdown of where the debt is from.

 

Orange sold the debt on to Arrow Global, and Arrow Global have applied a default notice against my credit file.

 

i have no idea what the debt is for, and not really sure what to do. Can they remove the default notice, this is really affecting my life, i cant even apply for a mortgage because of it.

[BRIGADIER2JCS]

Can you explain further please, phone account 13 days,

did you decide to cancel?

[nutnutcase]

I must've cancelled it before the 14 day period, there were no calls made from the handset in the breakdown they've sent me, so i have literally no idea what the debt is.

[BRIGADIER2JCS]

To make a cancellation within the prescribe time

it will need to have been made at least 3-4 days

before the end date to be effective, made on 13th day

would not get registered in time

[nutnutcase]

what does that mean? If i am liable for the full amount of the contract, then it would be a lot more than 217, they cant even tell me what the debt consists of?

Can Arrow still apply a default against my name in 2010 for a debt with orange in 2007?

[BRIGADIER2JCS]

You will need to check the T's & C's carefully

you can ask the service provider for a copy

of the contract and the terms.

Yes they can register the default , but

if it in not a new default the DCA can only

update the original one.

Yes you may be liable for the whole contract

if cancellation was not made in time.

[The Debt Star]

Mobile phone contracts are a nightmare. I still have a couple on my CRFs from years back and, like you, only had them a short time. They have so many late payment markers on them its a joke. Why people bother with cell 'fone contracts when they can use pay as you go is beyond me. They are potentially lethal for credit scoring in these credit crunch days and peeps have been turned down for mortgages because of one late payment marker.

[nutnutcase]

they have told me I cancelled in time, but the amount is for not sending the phone back. But I remember sending the phone back in an envelope they provided me. There is no way i still have the reciept, it was over 4 years ago. Where do I stand with this, surely applying a default is a bit crazy?

 

I havent heard from Orange for 4 years till now?

[BRIGADIER2JCS]

No I'm afraid not the phone allegedly not being

returned means that the value of the phone is outstanding

and is therefore a default on the account and the entry

is accurate, your only chance is to try to prove that it was

sent back, can you remember the date you sent it?

It's difficult to see what the outcome might be as it's just

your word against theirs.

A strongly worded complaint putting the to proof of non delivery,

and the give as much info as you can.

[nutnutcase]

it was four years ago, i have no recollection of the date i sent it back, but defiantly did send it back

[BRIGADIER2JCS]

One suggestion write a personal formal complaint to

the phone suppliers CEO, don't use a template,

these guys have seen them all before,

put your complain/concerns as clearly as

possible , copy to the DCA,s as well saying they

must prove that the phone was not returned.

Give 14 days for a reply.