Nationwide Credit Card debt with Fredrickson Int Ltd and Bryan Carter

[BRIGADIER2JCS]

Receiving letter from the creditor/dca has no releveance to

a debt being stat barred or not receiving them.

[bohomiz]

I'm sorry. I don't understand what you wrote. Can you please elaborate. Thank you.

[BRIGADIER2JCS]

The ''girl in the NW'' said you should pay the debt as they had been writting

to you, as said as long as you did not reply and admit liability then it does not affect

the debt becoming SB.

[bohomiz]

So what should my next step be?

 

Write to FIL with copies of NW's statements showing that the monies I sent have not been used to pay off that debt giving them 14 days?

 

But just for clarity of mind - how do I find out if this debt is now Statute Barred?

[BRIGADIER2JCS]

It seems to me that NW are not relevant here Arrow Global now own the

debt Freds work hand in glove with Arrow.

[dx100uk]

you already have two VERY good pointers

 

bank statements and no CRA show.

 

WHERE IS MY MONEY YOU FLEECERS!!!

 

dx

[dx100uk]

look out freddies....incomng!!

 

dx

[BRIGADIER2JCS]

Is Fred ripping off his his bowmans buddy:madgrin:

[dx100uk]

write to freddies

 

simply stating.......

 

i note with a certain amount of annoyance that my recent payments toward an 'apparent' debt to NationWide made though yourself are not showing on the enclosed statements.

 

Can ouy please advise me where my money i have paid you in relation to the 'apparent' debt has gone?

 

i give you 14 days before escalating this matter toward legal proceedings t recover my money.

 

dx

[bohomiz]

Thank you both so very much for your continue help and advice - I am very grateful to you.

 

I will write my letter tonight, photocopy the statements tomorrow and post everything off same day. Would standard recorded delivery be sufficient or is there another method that I should use just to make sure they have received it?

[bohomiz]

Also - do I state that this debt is not showing on my CRA?

[BRIGADIER2JCS]

NO trump card up the sleeve:madgrin:

[bohomiz]

Right - so I just show them the NW statements that clearly show that the £300 I have paid to FIL has not been used to decrease this particular debt? Yes?

[BRIGADIER2JCS]

Nation Wide have sold the debt to Arrow Global , they have no more interest

in the debt, Freds should pass on payment to ARROw.

[bohomiz]

Okay - let me see if I have this right.

 

NW sold the debt to Arrow Global.

 

Arrow Global got FIL to get the money from me.

 

I paid FIL £300 which has not been used to decrease my debt with NW.

 

Does that mean that FIL have 'pocketed' the money for themselves or have passed the funds over to AG (Arrow Global).

 

If the money has been paid to AG - where is it? In AG's pockets?

 

So do I write to FIL requesting my money back or write to AG? I don't think I will get anywhere with the latter company.

[BRIGADIER2JCS]

YOU no longer have a debt with NW Arrow own it now!!!

[bohomiz]

So Arrow own it but FIL attempt to get it paid. But it's FIL I write too and not Arrow?

[dx100uk]

i think p'haps we need to resit on this for a moment.

 

have you ever sent freddies a CCA request?

 

it might be an idea for the sake of £1.

 

what i am thinking is even if they do not Have it [which makes no odds]

 

it WILL give you a statement of account from thei side.

 

me thinks that might well show that there is enough time

between the last payment to NW an the first payment to freddies

 

to say - sorry its was statue barred when i started paying you - hence i've stopped.

 

they cant argue with Black & white

 

and i bet they will have no record nor knowledge or copy of your letters to say ts NOT SB'ed.

lets keep the fact you have the NW statements under our hat for now.

 

 

see if we can catch them out.

 

dx

[bohomiz]

What is a CCA request and how do I go about getting this?

[dx100uk]

letter n here

 

http://www.consumeractiongroup.co.uk/forum/content.php?590-Creditors-and-DCAs-Letter-Templates-Budget-Planner

 

dx

[bohomiz]

I've just found out something interesting. I've just logged onto my FREDPAY account and the last payment I made was on 5 October 2011 for £20.00 On 17 February 2012 the balance of £1302.42 was returned to the client. What does that mean?

[dx100uk]

they have gotten money out of ou and have run fast

as you've sussed their game out.

 

so

 

looks like back to my question of WHERE has this £300 gone

 

are you aware of the bal BEFORE it went to DCA

 

if its £300 lighter then great

 

if not

 

sorry...

 

WHERE has that £300 gone?

 

dx

[bohomiz]

I was aware of the outstanding balance due to letters I received from NW over a period of time.

 

When I sent a letter to FIL to tell them to stop harrassing me I enclosed with 2 print outs from the same website:

one about FIL themselves and the other on Statute Barred.

 

After they received that I received a letter from them telling me that they understand my letter

and would not make contact for 30 until I received the information from NW.

 

I haven't heard from them since.

 

I didn't even know they had passed the debt backed until now

 

- I didn't receive any communication at all in regards to that.

 

So what happens now?

[bohomiz]

Where has the debt gone back to? NW?

[dx100uk]

if their client was arrows then back to them.

 

do you know the figure of the debt when it was passed to arrows or anyone else after it left nationwide?

 

what i am trying to findout

 

is IF there is any indication that the £300 has been coming off the debt.

 

so

is the figure on of £1302.42

 

£300 less than when it was farmed out from nationwide?

 

dx