Nationwide Credit Card debt with Fredrickson Int Ltd and Bryan Carter

[dx100uk]

wadda you recon brig

 

 

pull AG up on why his payments to freddies don't show on NW statements as no-one brought the debt till 2010?

 

 

somethings not sitting right.

 

 

they are hiding something here.

 

 

the problem is... I think the the OP SENT copies of the fredpay stuff to AG?

 

 

did you?

 

 

dx

[bohomiz]

I think signing an agreement prior to the full completion will have added to the problems for you but sadly there is little to benefit from this.

 

Were you encouraged to sign in this way?

 

Hi Brig

 

My memory has been jolted in regards to this form.

 

 

The credit card was offered to me at the time of my opening a NW bank account,

and because they had my details on file - name, address, &c., he said he would fill those in afterwards.

 

 

At the time I did ask what CPP and PPI were and he explained them to me.

I did think at the time they would be ideal for me because hey,

who knows what is going to happen in the future,

so I said 'Yes' to those.

 

 

But I signed the form before all details were added, so I signed a blank form.

Stupid me I admit, but he was in the 'know' so stupidly I trusted him.

 

 

I've learnt my lesson there that's for sure.

Makes me wonder how many other people he 'duped' into this also.

 

I hope that helps.

 

With thanks.

 

BM

[bohomiz]

wadda you recon brig

 

 

pull AG up on why his payments to freddies don't show on NW statements as no-one brought the debt till 2010?

 

 

somethings not sitting right.

 

 

they are hiding something here.

 

 

the problem is... I think the the OP SENT copies of the fredpay stuff to AG?

 

 

did you?

 

 

dx

 

Hi DX

 

After checking sent letters I had to admit that when I wrote to NW

I sent them a copy of the payments received by me to Freddies as proof that I had been paying

and to enquire as to why those payments were not being deducted/shown

on the NW statements from June 2010 to October 2011.

 

 

Up to June 2010 the outstanding account was £1622.42,

and then from the above two dates I paid £20 per month until I stopped payments in October 2011.

 

 

I take it that was bad move on my part?

How would AG use that against me?

 

I am not happy that the payments made are not showing on the statements

because it obviously looks as though NW are not being paid but someone else is,

and they want me to continue paying the debt off to line their pocket and not NW's.

 

 

The letter from AG doesn't sit right in my gut (sorry for the language), and something smells a little off to me.

They (AG) are trained to write such letters in the hope of stirring payments,

but this kind of thing doesn't work or wash with me and I have a tendency to keep pushing and pushing.

 

 

My nature I guess, and I admit that it might not always be a good thing to do.

But one thing I don't do, and like doing, is rolling over on my back and having my balls played with

as opposed to having my tummy tickled. Again

- I apologise for the language and I don't mean to offend anyone.

Apologies if I have.

 

Have I shot myself in a foot or both feet here?

 

They suggested external debt companies, and took a look at STEPCHANGE,

who coincidently my next door neighbour is dealing with at the moment.

I just looked out of curiosity because it isn't a path I like the idea of walking on.

 

Thanks again.

 

BM.

[BRIGADIER2JCS]

Hi BM & dx,

 

I'll read through all this again something is not right, debt not traded until 2011?

Edited November 24, 2013 by BRIGADIER2JCS

[dx100uk]

urm you've got PPI & CPP to reclaim?

 

 

that'll prob wipe the debt out?

[bohomiz]

Hi BM & dx,

 

I'll read through all this again something is not right, debt not traded until 2011?

 

Hi Brig

 

As I'm not up on this, what do you mean in that something is not right in that the debt was not traded until 2011?

 

With thanks.

 

BM.

[bohomiz]

urm you've got PPI & CPP to reclaim?

 

 

that'll prob wipe the debt out?

 

Hi DX

 

The boxes on the form have been crossed for 'No', so how would I be able to reclaim PPI and CPP?

 

I'm sorry for the late replies but my brother visited me today.

 

 

He knows about the situation and I showed him the letter and he was horrified,

saying that it smelt and smacked of being patronizing.

 

 

I have also shown him the statements so he could see for himself that the amounts paid

have not been debited from the NW debt itself as the statements still show the full amount outstanding,

and if I was to request a statement for last and this month they will still show the full amount outstanding.

 

 

After showing him the letter I wrote in September he said that AG have clearly not replied to my query

in regards to why those funds have not been debited, and have just sent a 'statement' detailing the dates and amounts.

 

 

I can upload that if you are interested in seeing this (no printer, would use camera again).

In anger on my behalf he wrote out a letter for me to write and send to them but I'm not sure if to or not.

 

Thanks again for your help. It is appreciated.

 

BM.

[bohomiz]

Hi

 

Would it be possible for some additional advice on this. I ask because AG, according to their recent letter, have given me 31 days to 'get this sorted' and I need to know what to do in case they throw the big book of debt and accounting at me.

 

With thanks.

 

BM.

[dx100uk]

please show us anything you intend to send before you do.

 

 

still think this debt smells.

 

 

dx

[bohomiz]

Hi DX

 

I have typed out the letter my brother write to AG, changing only one word (he didn't use the word 'gum') and attached as a PDF.

 

Let me know what your thoughts are. I am more than willing to change anything you deem inappropriate/unacceptable, or add something you feel necessary.

 

With thanks in advance.

 

BM.

Edited November 28, 2013 by bohomiz

[dx100uk]

I think we need to get someone to do that properly

 

 

i'll ask.

 

 

dx

[bohomiz]

That bad huh?

 

I know my brother was only trying to help, but would appreciate additional if it means getting the words on paper correctly and legally &c..

 

With thanks.

 

BM.

[dx100uk]

await a visitor over the next day or so

[BRIGADIER2JCS]

That bad huh?

 

I know my brother was only trying to help, but would appreciate additional if it means getting the words on paper correctly and legally &c..

 

With thanks.

 

BM.

 

I can help if required BM, unless dx has recommended someone already to help you, in which case I will withdraw.

 

 

Brig.

Edited November 29, 2013 by ims21

[dx100uk]

anyone will do brig.

 

 

not that you are just anyone, I saw you were already busy that was all.

 

 

dx

[bohomiz]

I can help if required BM, unless dx has recommended someone already to help you, in which case I will withdraw.

 

 

Brig.

 

Brig

 

Thank you for replying; as always it is greatly appreciated.

 

I would absolutely appreciate your help and assistance with this situation. Between you and DX you have both been my saviours with this situation and I have always, from the start, been very grateful to you both for the help, assistance, and time you have given to me in regards to this matter. Please, write away because to be honest I'm not really sure what to say/write as this situation is new to me so I'm kind of panicky a bit (sorry dx - boring ).

 

Thank you for you continuous contribution. I am very grateful to you.

 

BM.

Edited November 29, 2013 by ims21

[BRIGADIER2JCS]

No problem BM a few free hours later to day.

[BRIGADIER2JCS]

BM I'm going to suggest a letter to Tom Drury CEO AG UK, going to work on this off line to save editing.

 

Brig.

[BRIGADIER2JCS]

BM have you posted up a copy of the letter from AG you refer to in your draft please?

If not can you please do so.

[BRIGADIER2JCS]

anyone will do brig.

 

 

not that you are just anyone, I saw you were already busy that was all.

 

 

dx

 

Thought I'd go by the book dx! Might get PMs back:wink:

[BRIGADIER2JCS]

Hi BM.

Will post up draft shortly.

[BRIGADIER2JCS]

Draft AG UK Tom Drury CEO.

 

 

For the Personal Attention of:

 

Mr Tom Drury

CEO Arrow Global Uk

 

 

Date: Ref: use theirs:

 

Dear Mr Drury,

 

Formal Complaint;

 

I refer to recent correspondence from Arrow Global dated: 20/11/2013 the contents of which has been noted with some disappointment and dismay because of the manner of the letter.

 

I have a number of concerns that I require Arrow Global to address promptly and properly.

 

1. I am most concerned regarding the manner in which my payments to this account have been managed by Arrow Global and its agent Fredrikson International so far my complaints have it seems at least brushed aside or at worst ignored.

 

2.The major point of my complaint on the payments is as follows:

 

(a). I have been making payments of £xx.xx pcm to your agents however, these payments are not been shown on the statements I have from Nationwide..

 

 

BM I saving this incomplete at this stage, as I need clarification on the following points from your original draft.

 

1. The Nationwide Bank has sold the to AG UK correct:

2 Would you agree that in this case the payments made by yourself to Freds acting on behalf of AG Uk should Only show on the require annual statement AG UK must supply?

3. As the debt has been sold NW cannot provide evidence of payment made to Freds?

4. May I see a copy of the AG Uk 'patronising' letter.

 

Brig.

[dx100uk]

I yes sold late 2010

2,no, if ag did not OWN the debt till 2010,

then the freds payments SHOULD have been given to NW

 

 

they were not

they vanished

then suddenly once BM start waving arms around they magically appeared.

 

 

Freds got caught out, AG are now changing the story hoping the OP wont notice.

 

 

freds spoofed through threats of all kinds money from the op.

that money was not theirs to pocket.

but they did.

 

 

then when the op got the nationwide statements, the payments did not show

so this proved the point.

 

 

then all of a sudden along come rossers & AG, and the balance drops £340 [the total of the payments made to freddies]

 

 

nasty tangled web they weave.

 

 

dx

[BRIGADIER2JCS]

Ok,

 

Are we sure Freds were acting on NW before AG cropped up?

[dx100uk]

looks that way

 

 

the debt was def not sold till 2010 AFAIK.

 

 

nothing shows otherwise here.

 

 

dx