2 debt agencies 1 debt

[mamkat123]

I had a talktalk debt which I paid through buchanan clark and wells by direct debit which finished in august. Now fredrickson international are saying I owe them for the same debt and I need to send proof I paid bcw. I don't have any apart from bank statements which shows the amount I paid to bcw but no reference number or reference to talk talk. They were awful on the phone and made me sound like I was lying and now bryan carter solicitors and threatening me too. I can't get through to bcw now to ask them to help but they never answer the phone. I know its only 250 pound but I have already paid it and I'm. Scared I'll have to go to court please help xx

[mr.ton]

Re: 2 debt agencies 1 debt

It has already been paid so the debt is finished = end of.
BCW are scum and have prob just sold the account to Freds even though its been paid - typical of how the debt industry works sadly.
Freds are just chancing their arm with Xmas coming up in order to top up their bonuses.
Stay off the phone to Carter & his goons and refuse to answer security questions if they phone you.
Report them to the OFT & trading standards if they refuse to stop harassing you.
They wont take you anywhere near a court - but even so, a court would not look to kindly on them trying to fleece you for a debt that has already been repaid.

[Suzisu]

Re: 2 debt agencies 1 debt

Why is this not stopped and these companies shut down? The OFT and TS must be getting so many complaints. The DCA's have to have a licence, why are they not revoked?

[mr.ton]

Re: 2 debt agencies 1 debt

This is why i say that DCA's should never be paid a penny coz this is how you get treated.
Once you pay 1 DCA - they will then alert their chums in the industry that this person can easily be fleeced.

[CleverClogs]

Re: 2 debt agencies 1 debt

Why is this not stopped and these companies shut down? The OFT and TS must be getting so many complaints. The DCA's have to have a licence, why are they not revoked?

Part of the problem is that the Office of Faffing and Twaddling prefers to do very little and to do that astonishingly slowly.

If the OFT can get a company to agree to some formal understanding that it is not to do certain things, the OFT regards that as a successful conclusion; reality is rather different, though, as the original company may then spawn one or more new companies, none of which would be bound by the formal understanding and each of which could misbehave as before.

If the OFT tries to revoke a licence, the errant company will not be closed at once, as all the OFT can do initially is to state that it is "minded to revoke" that company's licence and to consider representations why the licence should not be revoked. If the OFT then decides it will revoke the licence, the company may appeal against that decision to at least two levels of tribunals - and can continue to trade whilst all that is going on. From start to finish, this could take two or three years; only actions in Chancery are slower than the OFT hastening to help consumers!

[Shadowcat]

Re: 2 debt agencies 1 debt

Do all these companies then ruin your credit score? With so many of these jokers out there how can we possibly have a good credit rating. I want to clean mine up because I'm sure there'll be things on there that aren't meant to be, and I think I'll do it the old fashioned way and buy a £2 postal order and send in the post to avoid credit check scams.
Am I right in thinking that these companies will make your credit rating worse but have no right to?

[teaboy2]

Re: 2 debt agencies 1 debt

If fredricksons touch your credit file at all, then it would be inaccurate and therefore libel, for which you can sue them for. Same if BCW have not updated the account to show as settled.

As for you providing proof you have paid the debt, well the onus of proof is on fredrickson to prove you have not. It is not for you to provide then with anything, especially when they only use such information to cover up their own failings.

[mamkat123]

Re: 2 debt agencies 1 debt

So fredrickson are still ringing do I just keep putting the phone down or should I explain the situation? Where to go next

[CleverClogs]

Re: 2 debt agencies 1 debt

So fredrickson are still ringing do I just keep putting the phone down or should I explain the situation? Where to go next

Complain to your telephone service provider and get their calls blocked.

[labman]

Re: 2 debt agencies 1 debt

You could put together a letter including the following:



Below is a list of just some of the OFT practices which I believe you are breaching:


The unfair practices, carried out by you and your authorised agents are as follows:

2.2

f. Contacting debtors at unreasonable times
g. Ignoring or disregarding debtors' legitimate wishes in respect of when and where to contact them, for example, shift workers who ask not to be telephoned during certain times of the day

2.4

b. Falsely implying or stating that action can or will be taken when it legally cannot
e. Falsely implying or stating that failure to pay a debt is a criminal offence or that criminal proceedings will be brought

2.6

a. Contacting debtors at unreasonable times and at unreasonable intervals
c. Using more than one debt collection business at the same time resulting in repetitive and/or frequent contact by different parties
d. Not ensuring that an adequate history of the debt is passed on as appropriate resulting in repetitive and/or frequent contact by different parties
e. Not informing the debtor when their case has been passed on to a different debt collector
f. Pressurising debtors to pay in full, in unreasonably large instalments, or to increase payments when they are unable to do so
g. Making threatening statements or gestures
h. Ignoring and /or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment

2.8

i. Failing to investigate and/or provide details as appropriate, when a debt is queried or disputed, possibly resulting in debtors being wrongly pursued
k. Not ceasing collection activity whilst investigating a reasonably queried or disputed debt


I demand that this harassment stop immediately, or I shall report you with no further warning to the Office for Fair Trading. If you believe you have genuine proof that I owe the alleged debt, please provide it. As I know the debt has already been paid, and can prove this should I need to, I believe you will find the above mentioned proof impossible to provide. The choice is then yours as to whether or not you wish to be reported to the OFT or whether you stop harassing me.



Please note that the onus is on you to prove I owe this, not me to prove I do not.