Fredricksons obo JD Williams

[mikeymack2002]

Hi guys I am helping a dear old lady to try and get her finances back in order. The lady has a massive amount of debt but in reality it's just many accounts with various DCA's.

 

 

To date I have done all the basic's like requesting NOA's which are now trickling through, I will deal with just one DCA per thread in this case Frederickson's Int' She has 4 accounts with them and have sent off the normal letters and have received back all of the NOA's and their version of statements which include Admin fees.

 

 

Fred's bought this debt last year and the OC did not send out the NOA or any other letter, just the usual threat o grams

I'll only post up one at a time to start so here goes.

 

 

Account balance is £108.67 with 7 late fees of £12-00 each and will be sending off the letter to reclaim. so in reality the actual debt minus the late/admin fees is just £24.67

 

 

Now Frederickson's are being awkward in as much as they refuse to deal with me properly, ( I have a DPA release signed and sent to them) which is not like her normal signature.

 

 

I have looked in the library for a template letter for Fredrickson's to write of the debt for commercial reasons as this lady has zero money left after paying her Priority debts off,

 

 

She has serious life threatening illnesses that is now being compounded by the amount of contact these DCA:s are making

 

 

She has 17 debts totalling £3,500 many with fees most of them catalogue debts but she has from credit cards what would be the best thing for her to do in the long run?

 

 

Letters sent so far all accounts

REQ NOA

Prove the debt

CCA's all debts

next will be the DSAR's all accounts

Door step letter

Telephone letter

 

Have I missed anything out? Also a note to ADMIN will it be correct to post up each debt separately in the relevant forums? Thx most debts are catalogue 3 credit cards and 1 bank account

 

 

MM

Edited January 12, 2014 by mikeymack2002

[mikeymack2002]

Just an update

 

just had a letter from Bryan Carters,

usual threats of litigation "may recommend"

 

have now sent off 4 CCA's which includes the one with Mr Carter,

does this now mean possible court action will be suspended till the CCA has been complied with?

 

This is one of her credit cards taken out early 2007 January I believe,

Capitol One credit Card. Again when it is returned will be doing a SAR straight

after to see if any charges are re claimable,

 

where can I find the template for reclaiming the fees located please?

 

I am struggling to find it as head all over the place ATM

 

I know from my debt with Cap One they didn't have the agreement then it got SB'd,

so will update when CCA turns up for these then start the new threads accordingly.

 

MM

[dx100uk]

link three below

 

and have a look in the named bank forum

[capital one]

 

there are lots of threads there detailing the process

 

dx

[mikeymack2002]

Hi dx have had to have a shuffle on the order of debts for this lady have started a new thread in Banks/Barclays. Here http://www.consumeractiongroup.co.uk/forum/showthread.php?415908-CCA-req-from-DCA-re-Baclaycard

 

As have had a fast response from the DCA.

 

In this case I have sent off the CCA and am awaiting the usual response time in so far is 4 days only so will be flitting back and forth with various updates on all threads

 

 

MM

[mikeymack2002]

ok Now the fun begins.... The story to date

 

11 CCA requests all due back as of 03/02/2014

 

Only 1 has been returned,

this a reconstructed one not notified it is as such,

with only the T&C's at the beginning at agreement, none for the end.

No statement of O/S balance basically nothing except threat letters.

 

The signature has been copied from a letter that was for the DPA release,

this was marked as an added piece of security,

as in as much the signature was similar but had 2 extra marks placed on them,

this has been copied and pasted into the agreement

and matches the signature that was provided for the DPA.

 

Also the agreement numbers on the supplied CCA is different.

 

Of the other 10 CCA requests outstanding the following applies as of today.

 

The amount of time over the required time limits has passed by 14 days or 10 working days.

 

Frederickson's have cashed the postal orders,

and then sent all 4 accounts back to OC

no refund of the CCA fee no CCA

 

1 with Lowell

 

1 With Moorcroft

 

A new DCA has been assigned one of these accounts listed above

 

CABOT 3 accounts no CCA's no acknowledgement of CCA all accounts still with CABOT

 

2 now Statute barred.

 

Today saw 8 letters sent out RD for all 8 outstanding requests, for failure to comply,

 

I know they are at the moment unenforceable in Court but still valid debts,

no monies will now be paid for any other purpose until my CCA requests are fulfilled.

 

So what next guys?

 

Once or if any CCA 's come back I will post up in each forum with the current details,

but think as all have failed then I can still get advise as a whole?

 

Thx MM

[dx100uk]

yes well deal with them as and when

 

the SERIOUS issue here is the copying of the sig from a cca request one.

 

i'd start a thread on that.

 

dx

[mikeymack2002]

Thanks dx100uk which forum should I use please?

 

 

MM

[dx100uk]

the one of the oc?

 

dx

[mikeymack2002]

http://www.consumeractiongroup.co.uk/forum/showthread.php?417965-CCA-Ambrose-Wilson-was-with-fredricksons