Charbydis vs Fredrickson DCA re MBNA card

[Charbydis]

I have had a letter today, after a phone call before the letter arrived from Fredrickson International DCA asking for payment on a MBNA credit card.

I don't recognise the number and am very suspicious so I will be requesting a copy of my argreement etc asap.

However they have also sent me a default notice which is odd because this is the first I have heard from them. Apparently MBNA assigned the debt to them on 2/8/06 which is news to me.

Can they do this?

[Charbydis]

Had reply saying they have passed the matter back to their clients. Interesting?

[Charbydis]

Had letter from Fredickson claiming to be an LBA and demanding full payment. I intend writing back to them pointing out they are now committing a criminal offence and if they were to try and enforce the debt they would have trouble without proof of the agreement and the asignment or words to that effect.

[Allyxia]

Ok keep us infromed on your progress!

 

Maybe if this is no a default issues a mod could move it for you into the correct forum?

[Charbydis]

I got a letter from arrow saying I owed money on some account I didn't recognise

 

I cca'd them.

 

Eventually they replied saying they weren't the creditor and

then they sent me an illegible photocopy of what looks like part of a credit agreement

although I am not sure if it is and an unsigned copy of a credit agreement.

 

Furthermore the photocopy refers to bank of scotland

and the credit agreement refers to mbna.

 

Any thoughts of the best way to respond?

[dx100uk]

what if anything does your credit file say?

 

dx

[havinastella]

When was the account opened?

[Charbydis]

I think the account in question may have been opened around 1997 and there is no mention of it on my credit files.

[BRIGADIER2JCS]

Reject the illegible copy and state that you do not acknowledge any such debt and the account is in dispute and will remain so until a compliant document is produced.

[Charbydis]

surprise surprise they have responded saying they have complied with my request then go on to threaten a lot of things they might do. I don't think I will waste anymore time on them.

[renegadeimp]

Send them the dispute letter again and tell them to fo