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Have you received a letter or card asking you to make contact - or that there is a parcel for you?


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Hi

 

I received one of these cards - it had a title of Fed EX. Also got a call from at work leaving me a message stating it was Fed Ex and a parcel needing collecting. Ring them on ........... When I called them it was a company called Frederickson (I think) who have taken over my Capital One account debt.

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Hi

 

This happened to me recently at work. I owed some money on an old Capital One account and it had been moved to debt company called Frederick LTD. They some how got my work telephone - I work as a civil servant and I am not allowed personal calls at work as I work in a customer focused area - they left a message for me stating that a 'parcel was waiting to picked up - from Fed X ' when i contacted them it was an obvious [problem] and it was the debt company. I have also received a letter / card at the home the same day when I returned later that day.

 

Thanks for this. This seems clearly to be several breach of the new CONC rules.

 

Any chance we could have a look at the letter please?

 

It also seems to me that there is a Trademark issue here and if you can give me copies, I'll contact their IP department as well - I'm sure that they will be less than happy.

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Could it be these - http://www.freds.com/

 

I see that the behaviour you have described also breaches the CSA code of practice in several respects

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You could send a copy to our admin email address

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Thanks for this. This seems clearly to be several breach of the new CONC rules.

 

Any chance we could have a look at the letter please?

 

It also seems to me that there is a Trademark issue here and if you can give me copies, I'll contact their IP department as well - I'm sure that they will be less than happy.

 

 

 

Hi

 

It WAS the link you just said. I am still getting numerous calls every day from them even though I am paying them through a DMP.

 

I will have a look at see if I have kept it. I have now gone on to use a Debt Management Plan so I may have sent to StepChange. I will let you know ASAP.

 

Thanks

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I suggest that you start logging all the calls which are being made.

 

Also start looking at the CONC rules whcih should be preventing all of this - but, no surprises, they aren't

 

especially -

http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?426134-CONC-7.3-Treatment-of-customers-in-default-or-arrears-%28including-repossessions%29-lenders-owners-and-debt-collectors

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I've just emailed the CSA with a link to this thread. Let's see if they take any interest.

I think that it is very topical. Wonga behaving themselves dishonestly by misleading their customers. Now Fredrikson seems to be doing the same kind of thing - although to a much lower degree than Wonga. One wonders how much control the CSA actually has or how much scrutiny they actually exercise over their members.

 

Also, don't forget that Cap one don't absolve themselves from liability for these breaches. Under CONC, they are liable for 3rd party misbehaviour

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Hi

 

I am so sorry but I have checked through all my information including DMP and I cannot find it. I was having a really bad time with debt and had a slight breakdown due to the stress so my heart to fight this was rather lacking.

 

So angry with myself now as I feel in a much better place and I AM going to fight back against these companies nasty tactics, charges and utter unfairness :)

 

Thanks

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What a laugh. The CSA clearly don't want to be reached. I just got this rebound message.

 

Delivery has failed to these recipients or groups:

[email protected]

The email address you specified couldn't be found or is invalid. It may be due to a bad entry in your Outlook or Outlook Web App recipient AutoComplete cache. Use the steps below to clear the entry from the cache:

 

  1. Click New mail.
  2. In the To field start typing the recipient's name or email address until the recipient appears in the drop-down list.
  3. Use the DOWN ARROW and UP ARROW keys to select the recipient, and then press the DELETE key.

Then resend your message – delete and retype the recipient’s name or e-mail address before sending it.

For more tips to resolve this issue see DSN code 5.1.1 in Exchange Online.

 

Looks as if they are happy that their members bombard ordinary people with misleading junk email - but when it comes to them, then they don't like it up 'em.

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Recieved a letter today, addressed to "The Occupier".

 

When opened it had my full name and "We need to contact the above named person regarding an important personal matter and we have been provided with your address, if you are the person named please contact us... if you are not please contact us to allow us to update our records..."

 

I wasnt aware I had any debts remaining so I wasn't worried about calling the number. It turned out to be a debt that I 'assumed' had been written off from 7 years ago, that debt was made up of (at the time) unlawful charges and after responding several times that I disputed the amount and suggested the remaining balance was written off to avoid the need for me to take them to court I heard no more. I guess I forgot about the alleged debt over time opposed to assuming it had really been written off!

My response on the phone was I would formally write to them again detailing why I dispute the amount owed.

 

Anyway, back to the topic... do you think the letter I received is in breach of the regs mentioned? If so what should I do? Perhaps include this in my response as to why I dispute the alleged debt and also ensure the original debtor is copied the same letter (to show the 3rd party is not following regs)?

24 hours in a day... 24 in a case... co-incidence???

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Recieved a letter today, addressed to "The Occupier".

 

When opened it had my full name and "We need to contact the above named person regarding an important personal matter and we have been provided with your address, if you are the person named please contact us... if you are not please contact us to allow us to update our records..."

 

I wasnt aware I had any debts remaining so I wasn't worried about calling the number. It turned out to be a debt that I 'assumed' had been written off from 7 years ago, that debt was made up of (at the time) unlawful charges and after responding several times that I disputed the amount and suggested the remaining balance was written off to avoid the need for me to take them to court I heard no more. I guess I forgot about the alleged debt over time opposed to assuming it had really been written off!

My response on the phone was I would formally write to them again detailing why I dispute the amount owed.

 

Anyway, back to the topic... do you think the letter I received is in breach of the regs mentioned? If so what should I do? Perhaps include this in my response as to why I dispute the alleged debt and also ensure the original debtor is copied the same letter (to show the 3rd party is not following regs)?

Yes it probably is.

 

Please would you tell us who it comes from and maybe post a copy up on this thread.

thanks

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Hi All,

 

Today, a card was hand delivered to me at an address I lived at briefly. It is a white card, post card size.

 

There isn't any letterhead or any indication why they are contacting me.

 

It is blank on one side and the other is marked URGENT at the top and 'thank you' at the bottom.

 

The format is:

URGENT

For the attention of _____

Please contact:_____

On: 0844xxxxxxxxx

Date: Time:

Delivered to (address with incorrect post code)

Thank you

 

I’ve looked up the phone number which leads to a cheesy looking website for some kind of detective agency which specialises in, among other things, ‘surveillance’. Sorry, but am unable to scan and upload the card. From what I’ve described, does this contravene the new regulations?

 

The current resident at this same address also received a letter a few months ago with just the address in the window, no addressee name – until the letter is opened, revealing my name way above the address (presumably to make it look like it was addressed to me should anyone have to scrutinise it?) and as the subject of the letter. It is from lovely Cabot, claiming it is a ‘personal matter’ and asking for my contact details. Again, how does this sit with the new regulations

 

Thanks very much in advance for any help!

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Please would you post up a scan of the card. What is the number they are asking you to contact them on please. I don't think that there is any need not to put the number up on the thread.

Thanks

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I have received a Letter from PRA who after a bit of Research I understand are closely linked to our old friends Mackenzie Hall...

 

The letter started:

 

"We are trying to contact a Mr Nurclear Shark regarding a Personal Matter and we have been supplied this address as a possible location for this person"

 

It did not list any details other than a Reference Number and Client Reference Number.

 

However I decided to phone them up whilst recording the call... (Which you really shouldn't do I know...)

 

I gave them an Incorrect Post Code and Incorrect Date of Birth... They continued with the call :madgrin:

 

So they confirmed 2 of my previous addresses, An account balance for their client (which turned out to be QuickQuid) and specific payment dates. Not wishing to continue any further I closed the call stating I did not remember any of this to the best of my knowledge. (A lie; It's a debt that has long since had an "Account in Dispute Letter" and I will be referring this to them accordingly)

 

Anyhow I will make the relevant complaints about breaches of the Data Protection Act. But I am not 100% sure who I complain too first and in what order post the disbanding of the Office of Fair Trading. I personally think the ICO would be a good start, But I can't remember how I complained the last time around.

 

I'll upload the letter when I have a spare 20 minutes.

 

NS

This is how I spend most of my life :ranger:

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Thanks for this. The letter is in clear breach of the FCA conc rules on contact with alleged debtors - http://www.consumeractiongroup.co.uk/forum/showthread.php?426126-CONC-7.9-Contact-with-customers-including-visits - not that they care and not that the FCA seems to care either.

What is the point of an excellent set of rules if they don't monitor and take action.

I suggest that you write to the FCA and send them a copy of the letter and point out the rule breach.

Well don on getting the recording.

Yes, also a clear breach of DPA as well. Complain to the ICO - although they can scarcely be bothered to lift a finger about it either.

It would be interesting to start complaining to the FOS as well - just to cause extra aggravation.

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No trouble, I'll whack up a copy of the letter tonight. I have drafted the following letter to initially send to PRA UK Ltd. I have threatened to take the matter to the ICO, FCA etc in the letter. But as you suggest I will go straight to the ICO, FCA and FoS anyway.

 

Dear Sirs

Formal Complaint – Breach of Data Protection Act 1998

Account in Serious Dispute

PRA Reference Number:

I write to you today regarding the above account and an Information Rights concern I deem to be very serious.

 

I am gravely concerned that you have not handled my personal information properly and have not shown appropriate due diligence with my personal data. You have also shown a serious incompetence on security checks when speaking with your customers.

 

On the xx.xx.xxxx I contacted you by Telephone and I was asked to confirm security details. As your letter addressed to me on the xx.xx.xxxx did not reference any matter directly; and your letter made it clear you were uncertain as to my true Identity. I was not willing to hand over any personal information in case this was an attempt to gain personal data from me for fraudulent purposes. Therefore I provided INCORRECT security details when asked to for this information. The incorrect information I supplied was a Postcode AND Date of Birth.

 

This tells me you either: A) Did not have this information to begin with.

OR

B) Your agent showed a callous disregard for my data privacy and decided the Data Protection Act does not apply! I have a recording of this phone call and I have supplied a written transcript for your perusal. If you require a copy in MP3/WAV Format, Please advise me and I will provide this.

 

Your Agent in this call showed no respect for the privacy of the account holder and continued to confirm the matter the letter was regarding, account balances, previous addresses, payment dates and also tried to phish for further contact details which I refused to provide. Considering your organisation continued the call after failing BASIC security checks, there was NO WAY that I was providing you any further personal information and I terminated the call.

 

As this matter is clearly regarding Debt Collection Activity for an account for which it is very clear you are unsure who the debtor is, Financial Conduct Authority guidelines make it EXTREMELY CLEAR that all debt collection activity on an account must cease immediately if the creditor and/or their agents are unsure as to whom the debtor is. Considering the wording in your letter and your failure to conform to the Data Protection Act, It is abundantly clear you are uncertain to whom the debtor is you seek for the alleged debt. As such, you must and will cease any recovery action on this account immediately when informed of this. I am informing you this debt is NOT acknowledged and is disputed in it’s entirety. Having had a look in my archives, this debt has been disputed since November 2012 when an Account in Dispute notice was sent to your clients to inform them of this. Considering your recent and quite frankly shocking involvement in this affair. This debt is now in serious dispute and I will be referring this matter to the Financial Conduct Authority for this reason alone.

 

I understand that before reporting my concern to the Information Commissioner’s Office (ICO), Financial Conduct Authority and/or Financial Ombudsman Service that I should give you the chance to resolve without the need to escalate further.

 

If, when I receive your response, I would still like to report my concern to the above, but not limited to regulatory bodies, I will give them a copy of your response to consider.

You can find guidance on your obligations under information rights legislation on the ICO’s website (http://www.ico.org.uk) as well as information on their regulatory powers and the action they can take.

 

Please send a full response within 28 working days. If you cannot respond within that timescale, please tell me when you will be able to respond.

 

If there is anything you would like to discuss, please write to me at the above address and I will respond within a reasonable time frame.

 

**Gotcha

 

Yours sincerely

 

NuclearShark

 

** Will remove from the letter when I send!

 

Note to site team - Please split this into a separate thread if needed so as not to distract from the original topic. Thanks :D

This is how I spend most of my life :ranger:

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Hi All,

 

Today, a card was hand delivered to me at an address I lived at briefly. It is a white card, post card size.

 

There isn't any letterhead or any indication why they are contacting me.

 

It is blank on one side and the other is marked URGENT at the top and 'thank you' at the bottom.

 

The format is:

URGENT

For the attention of _____

Please contact:_____

On: 0844xxxxxxxxx

Date: Time:

Delivered to (address with incorrect post code)

Thank you

 

I’ve looked up the phone number which leads to a cheesy looking website for some kind of detective agency which specialises in, among other things, ‘surveillance’. Sorry, but am unable to scan and upload the card. From what I’ve described, does this contravene the new regulations?

 

The current resident at this same address also received a letter a few months ago with just the address in the window, no addressee name – until the letter is opened, revealing my name way above the address (presumably to make it look like it was addressed to me should anyone have to scrutinise it?) and as the subject of the letter. It is from lovely Cabot, claiming it is a ‘personal matter’ and asking for my contact details. Again, how does this sit with the new regulations

 

Thanks very much in advance for any help!

 

 

Hiya, am wondering if the 'anonymous' Urgent post card and the deliberately misleadingly addressed letter are actually unlawful. Or are they in breach of certain regulations? If the latter, which regulations might they be in breach of - it would be good to know as I am about to be forced to engage with these monsters and I'd like to have the facts straight……

 

Thanks in advance!

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In this case, there is no difference between being unlawful and being in breach of certain regulations. The FCA conc rules create statutory duties To do certain things – or not to do certain things. To beat those rules is to act unlawfully.

 

Breaches of the FCA rules could be very serious because it is even possible that the companies which do this or the companies which asked other companies to do this could risk their licences or suffer very large fines.

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Hi All,

 

Today, a card was hand delivered to me at an address I lived at briefly. It is a white card, post card size.

 

There isn't any letterhead or any indication why they are contacting me.

 

It is blank on one side and the other is marked URGENT at the top and 'thank you' at the bottom.

 

The format is:

URGENT

For the attention of _____

Please contact:_____

On: 0844xxxxxxxxx

Date: Time:

Delivered to (address with incorrect post code)

Thank you

 

I’ve looked up the phone number which leads to a cheesy looking website for some kind of detective agency which specialises in, among other things, ‘surveillance’. Sorry, but am unable to scan and upload the card. From what I’ve described, does this contravene the new regulations?

 

The current resident at this same address also received a letter a few months ago with just the address in the window, no addressee name – until the letter is opened, revealing my name way above the address (presumably to make it look like it was addressed to me should anyone have to scrutinise it?) and as the subject of the letter. It is from lovely Cabot, claiming it is a ‘personal matter’ and asking for my contact details. Again, how does this sit with the new regulations

 

Thanks very much in advance for any help!

 

I don’t know, this topic might be for another forum or another thread? This all relates to the anonymous post card and the sneakily addressed letter from a creditor (who made sure only the address was showing in the window and not my name).

 

A letter from a 3rd party was sent to my previous address, enclosing a court order to appear in court to be quizzed under oath about my financial circumstances. The order is stamped ‘copy’. The order has never been sent directly to me. The letter detailed a date and time that the signatory would be ‘attending’ the address to serve the order personally. We sat by the door for an hour before and an hour after the appointed time and this person never showed up. Is this common behaviour for a process server? Or is there some kind of hidden agenda here (like claiming I was uncooperative)?

 

Can I just call the court and ask for the order and collect it?

 

The letter says if I fail to attend the above appointment, or any others, application will be made for substituted service ‘in such manner as the court may direct’. What does that mean?

 

The order says I must obey it or be sent to prison for contempt. Why doesn’t the court just send it to me?

 

Seems like they’re making a big deal out of something that should be simple.

 

And should I be preparing to challenge them on their methods (anonymous card, misleadingly addressed letter)?

 

Huge thanks in advance for any help.....

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there will be a case number on the document, just phone the courts service (northampton bulk centre are nice people to talk to) and ask them about this and you will then know if it is genuine and if so when and where it was issued. If it is not genuine then I would be reporting the matter to your nearest court and expalin to them who has done this and ask that the matter is properly reported as a criminal offence.

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Thanks so much for your reply! I believe it is the real deal, just don't know why it needs to be 'served'. I will call the court on Monday and see if they will post it to me directly. thanks again.

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Substituted service means that they will find another way to get the document to you - through an employer or your bank etc. You have to get approval form a judge to make a substituted service and it is pretty rare excpet with very big-value disputes.

Yes, call the court and check it out

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  • 4 weeks later...

Hmmmm how about this one then? (PDF Attachment)

 

Inter Credit International.

 

  1. It's not addressed to me personally... My flatmate opened it
  2. Signed G. Walsh, yet printed Miss Mandy Cole
  3. It states contact them immediately... I was handed this letter at 02:45AM. So when I phoned them, they did not pick up anyway
  4. It's certainly rather 'threatening' - Failure to comply...

  5. Sent an email to them already..
  6. . Waiting for a Final Response...
  7. Already have my emails drafted to ICO and FCA.
  8. I am not sure the FoS is appropriate.

  9. It's a water bill 18 months old.
  10. was told my previous flat sharer had paid it
  11. they lied
     
    Also a breach of "FCA: CONC 7.9 Contact with customers"

This is how I spend most of my life :ranger:

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