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westonadam

freddies phoned my boss over old nationwide debt - i could lose my job!

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Fredrickson international started hassling me about a week ago via text , calls ect,

over a £400 dept to nationwide,

 

today they phoned my employer,

causing me no end of problems,

 

I have a meeting with my line manager later today,

 

I have written to them, saying I will only deal with them in writing,

 

I asked for a means test form,

 

as I am a single dad living in a rented furnished property ,

 

after my wife kicked us out,

 

please can anyone advies me what to do,

 

before I lose my job.

 

Thank,s

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Complain immediately to Fredrickson's & also complain to both the FCA and the Information Commissioners Office.

 

Freddies know full well that they cannot contact an alleged debtor at their place of employment.

 

How old is this debt from Nationwide?

And is it an overdraft/Credit Card/Loan?

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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about a year ago, nationwide upgraded my account (they did it to anyone with a cash card acc)

 

I received two cards

one for the account I have my salary paid into and

one for a new savers account that I hadnt requested,

both blue in colour and almost identical,

 

I had no overdraft facility,

 

a few days later I needed to make an emergency purchase of £49.99 which I did by card no probs

but I used the wrong card by mistake the savers one ,

 

I don,t get paper bills so about four months later nationwide write to me

and they have charged me £50 a month for an overdraft which I did not ask for,

 

the transaction should have never gone through

I Would have then realized I had used the wrong card,

so I challenge it ,

 

next thing you know I got a letter last Sat 18/10/14 from nationwide saying they have handed it to fredricksons ,

 

the calls started first thing Monday followed by the texts,

 

and today the call to my work,

 

just had a meeting with my boss he is not happy at all

and has warned my he dosn,t want it happening again

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you sue freddies if you losr the job.

 

if nationwide still own the debt [which they do]

 

then freddies have NO LEGAL POWERS WHATSOEVER

TO DO ANYTHING...THEY ARE NOT BAILIFFS.

 

very stern letter of complain to freddies and nationwide too

as freds are acting as their agent.

 

about 3 yrs ago my neighbour got £175 out of nationwide

because the dca they used continually phoned his works place

even after being told in writing the number was a works number.

 

dx


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Posted (edited)

In 2012 I had a basic account with the nationwide as I had in the past been bankrupt, this allowed me to pay my DD,s and withdraw money but under no circumstances have an overdraft ,

 

later in the year they sent my a new card for a 2nd account ,

I did not ask for it so I put it in a draw and forgot about it ,

I then had a letter to say there had been a charge of £49.99 put against the new card and that i was overdrawn ,

 

I pointed out that this was not possible as I have no overdraft facility,

they said they would look into it ,

 

after months they came back and said the debt had risen to £400 pounds as they were charging me £50 a month for being over drawn ,

 

in the end the debt was sold to Fredricksons who hassled me night and day and in the end called my employer without my knowledge disclosed personal info to them,

 

as I was in charge of a budget I was demoted and saw my salary reduced ,

I reported Fredricksons to the FOS who agreed to look into it for me,

 

after some months Fredricksons contacted me to say they would not be pursuing the matter any further (2014)

 

last week I received a letter from the Nationwide saying they had sold the dept to another company ,

 

any advice would be appreciated

Edited by dx100uk
Spacing

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When did you last pay on this account??

Moved to the nationwide forum


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

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I have never paid anything on it it was dated Dec 2013 so almost a year until its SB

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so who owns the debt now

and have you informed then of your correct address if you have moved since?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Are these figures really correct? That they are charging you £50 a month for a £400 unauthorised overdraft?

 

Have you had any explanation or do you have any answer for this £49 which was apparently charged to your card?

 

Also, what evidence do you have that they disclose personal data to your employer?

 

Please answer these questions and also send the bank an SAR immediately.


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Posted (edited)

Ok

the evidence I have that they contacted my employer and disclosed information was being called into my managers office and the call played back to me ,

back in 2013 bank charges were quite crippling

 

apparently I had bought a pay as you go phone

I had a contract so didn't need a payg ,

 

could you tell me what a SAR is please

Edited by dx100uk
quote/spacing

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click sar


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I've discovered that you previously ran a thread on the same problem and I have merged them together.

 

First of all it seems that the telephone call was made to your employer in 2014 – not 2013.

 

Secondly, although you have just told us that you didn't use the card – you simply put it in a drawer, in your original thread you tell us that you used it to buy £50 mobile phone.

 

The telephoning of your employers is a very serious matter – especially as you say that it resulted in your demotion. Are you with the same employers?

 

You also say that you made a complaint about the matter to the FOS. Please can you tell us more about that.

 

So far I think should send an SAR to the Nationwide, one to Fredrickson's and one to the FOS.

 

When you tell us if you are still employed by the same firm then I might suggest to you that you send an SAR to them as well. Do you have any concrete evidence that the phone call was made to your employer? This means do you have anything in writing or do you know if the call recording exists.

 

Finally I have to say that you came here for help in 2014 and people suggested that you took certain action and then you simply disappeared. I suppose you disappeared because you thought it had gone away. These things don't often go away.

 

If you want to deal with it this time then you better stick with it because otherwise you're wasting your own time and I have also to say that you are wasting our time because we give you our support and enthusiasm and advice free of charge but you have to engage with this thread


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Thank you for your reply,

after reading your comments and my post from all those years ago I realise a had indeed forgotten some of the original details,

it was a bad time in my life after my wife walked out and left me with the children,

I did take everyone's advise

 

after some time I received a letter form freddeis to say that they were sorry for contacting my employer and they were not taking any further action and the account with them was closed

 

it would appear now that the Nationwide (who I still bank with and have my home insurance with) have sold the debt to Arrow Global who have today put an entry onto my credit file ,

I thought that since freddricksons had closed it it was dealt with how wrong I was .

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If you want to try and take control of this matter then you are going to have to engage with this thread correctly. As I have already pointed out, it's a waste of everyone's time if you pop in and out without moving things forward.

 

I've asked you some questions in my previous thread and you haven't addressed them


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freds don't buy debts they only CHASE for the clients, which at that time and until of recent was I suspect Nationwide if you read their letters.

 

the Account has now been SOLD to Arrow global, the default would have been registered by NW upon sale., not Arrows

a powerless DCA cannot register a default.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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In addition to the above, which site team member DX is probably the better person to help you with, I'm interested in challenging nationwide or Fredrickson's or both on the issue of having telephoned your workplace and caused you distress and loss. I'm also interested in the issue of fair treatment in respect of giving you an account which has no overdraft yet when it comes to levying the charges, it seems that they are happy to pile the overdraft on.

 

I'm still also waiting for a response to my query of £50 per month being levied for your overdraft.

 

I hope you can see that there are people here who are extremely keen to help you but you have to do match our enthusiasm at least on a one-to-one basis


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Posted (edited)

I do not work for that employer any more

 

the charges were applied each month for an unauthorized overdraft ,

 

I complained to Fredrickson's and the FCA

 

I have the name of the caller from Frederickson's and they apologised saying he shouldn't have rung me at work

they got my employer details from nationwide ,

 

have I missed anything out ??

Edited by dx100uk
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Do you have the letter of apology from Fredrickson's?

 

In any event, I would suggest that you start off by sending an SAR to your old employer, want to Fredrickson's and one to nationwide. I suggest that you do that straightaway.

 

Can you tell us what happened after the telephone your old employer? You say that you were demoted. Can you tell us more about that and how long you were with that employer and how long after that event did you leave and how has that affected your job prospects since then.


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Also, we need to know whether you feel that you would like to challenge Fredrickson's and/or nationwide about their treatment of you in addition to the fact that they have allowed an overdraft to occur on your account to accommodate their own charges even though they would not permit you to have an overdraft for your own purposes.


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If I did decide to challenge nationwide how would I go about it as when I contacted them they said they could not discuss it as the had sold the dept to Arrow

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I can see a nice bit of compo coming out of this if you play this cute...……

 

freds were acting under their clients authority and instructions...Nationwide!!

 

sar to all three

DONT give the game away upon WHY you are sending it though!!:wink:


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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You haven't answered the question as to whether or not you still have the letter of apology.

 

If you wanted to challenge them then you would have to have some evidence that the phone call had been made by them. The letter of apology would be perfect. In any event, you would send Fredrickson's an SAR which probably would reveal the fact that they had made the phone calls. Additionally you would send an SAR to your ex-employer which would reveal that not only had they received the phone call but also that a decision had been made to demote you.

 

This then will give you the information you needed initially to make a complaint to the ICO simply to get a confirmation that there had been breaches of data protection and then you would bring a small claim in the County Court against Fredrickson's for an amount of compensation depending on the losses you had suffered.

 

In terms of nationwide, you would send them an SAR so we can understand exactly the basis of your bank account and also the overdraft that they had imposed on you together with their charges. On the basis of the information received we would then consider bringing an action against them for unfair treatment under BCOBS.

 

In addition to the question about the letter of apology which you haven't answered, you also haven't told us anything about the FOS. What your complaint to them about and did you just drop the matter or did they make some initial decision?

 

You haven't really told us much about the way that it affected your job. We keep on asking questions but you don't deal with them. It would be helpful if you did – assuming that you would like some help on this.


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I would indeed like some help ,

sadly yestredays work schedule made it very difficult for me to reply also you seemed to be having problems with your server ,

 

firstly soon after the incident I decided to leave and got another job ,

sadly the company was taken over in 2017

 

I have not been able to get much help form the new firm,

the FOS suggested I contact Frericksons and should I not get a reply within eight weeks to get back to them

 

I did contact Fredricksons and I have the original copy of the correspondence and the name of the person who called my work,

I have found the e mail from them saying they were looking into it but I will need to go through my files at the weekend to find the letter they sent after that ,

 

I will be sending a SAR to Nationwide and Fredricksons today ,

I will keep you updated ,

it did not affect my future employment luckily ,

 

please feel free to comment on anything I may have missed out.

( note I have tried twice to send this today 10/01/2019 and I get a message that the server is down)

I hope this reaches you

Edited by dx100uk
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Sar to you old employers as well. Send it today.

 

Have you told us how long you were at your old employer? You haven't told us about the demotion and how that happened and its impact on you.

 

It would be helpful if you could simply tell us the whole story at one go because as you probably appreciate, we probably don't know what questions to ask you because we don't know the story.

 

If you wanted to do something about this then you would probably have to bring DPA actions against Fredericksons and also Nationwide and also a BCOBS action against Nationwide.


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Ok I will tell the whole story when I get back form work this evening thanks for your patience

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