Fredrickson International (Fredpay) Debt Collectors – Should You Pay?

Fredrickson International (Fredpay) Debt Collectors

You Might Not Have to Fredpay Debt Collectors!

FredPay, like all debt collectors are known for sending debt collection threats. If you can’t afford to pay them or don’t even owe them money, then this article is for you!

Complaints to the Financial Ombudsmen risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Read on to learn what to do.

Fredrickson International (Fredpay) Debt Collectors

Who are FredPay?

Fredpay is part of Fredrickson International Limited who are a UK based private limited company located in the Leeds area. They have been operating successfully since 1992. Ultimately, Fredpay are part of the Lowell Group of companies which started life as one of Germany’s largest financial services businesses before expanding into the UK and the Nordic regions. In the UK, Fredrickson International focus on debt collection in the south of the country whilst the Lowell Group focus on debt collection in the north of the country.

Fredpay collects for the government (HMRc) for things like self assessment debts and tax credit overpayments. In addition they have been known to collect for companies like Utility Warehouse, Capitol One, O2 and Littlewoods.

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Why are FredPay Debt Collection contacting me?

The debt collection industry is booming. Debt collectors like FredPay will purchase debt from a lender for often as little as 20% of the face value of what is owed. They then collect the money that is owed and keeping a profit when the payment is made in full.

FredPay Debt Collection may be getting in touch with you because they have purchased debt that you owe to another lender, however, they now manage (and chase payments for) that debt.

See my most popular post on how to get a refund

Are FredPay legit?

Fredpay is the name for the online account management activities of Fredrickson International. This is a fairly small company but with a sizeable business share. They operate in the UK for a range of clients including the major banks and government departments including the HMRC. They claim to have 30,000 clients signed up to manage their debts using the fredpay online services. The main company is authorised and regulated by the Financial Conduct Authority and is a member of the Credit Services Association. They have a turnover of around £10 million per annum and are a profitable company.

Check if you really owe the money!

Wait, is this really money that you owe?

When you are contacted by a debt collection company the first thing that you need to do is to establish where the original debt has come from and the amount that was owed to them. There is a good chance that by the time FredPay Debt Collection come to you, there have been a number of charges, not to mention interest added to the amount that you owe. This will take it up to a much higher amount then you originally owed.

Once you know this you should write to FredPay Debt Collection and ask them to send you a copy of your original credit agreement. If they are unable to provide you with this information, then you have no obligation to make a payment to them. Quite the opposite in fact, you may even be able to set about claiming a refund.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

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What is the total amount of your debt?

Ok, so the debt is legit, what should I do?

If it is proven that you owe the money, then the simplest path to take is to simply repay the debt. If you can’t afford to repay it there and then, or you think that making future payments could have an impact on your financial future, then try speaking to FredPay to see if you arrange a reduced repayment plan.

Could FredPay Debet Collection really ruin my life?

Whilst you hope that they would always work on the right side of the law, it is not unusual for debt collection companies to employ tactics that could be seen as questionable. They could resort to bullying, applying pressure, making frequent phone calls.

Some people who have been chased by debt collectors have said that they have had sleepless nights after dealing with them. There are some who have said that they are scared and anxious about opening the door or answering the phone just in case it is them. In fact, debt support trust stated that as many as half of the people in the UK who have had struggles with debt have felt close to suicide. Which is a truly shocking statistic when you think that some of these issues could be caused, or made worse by a debt collection agency.

Fredrickson International and the Law

What are the regulations they need to follow?

With so many debt collection agencies out there and with some of them not employing the best methods to collect money, it comes as no surprise that the Office for Fair Trading has decided to set out a number of guidelines that debt collection businesses have to abide by. This includes FredPay Debt Collection.

So, what do they need to do?

  • They should treat any debtors fairly and never use practices that could be seen as coercive, aggressive or deceitful as well as oppressive, improper or unfair.
  • They should provide clear information that is not confusing or misleading
  • They should approach debtors who are finding it hard to pay with consideration towards their circumstances
  • They should then take into account these circumstances and the situation when talking about making repayments

Are you having dealings with FredPay Debt Collection? Do you think that they are not abiding by the guidelines that are part of the Office for Fair Trading? If yes then you should definitely report them to the Office for Fair Trading who can then take steps to the removal of their license.

Understand how they operate

What will they do?

They say that knowledge is power, so, if you want to try to take on and defend yourself against FredPay Debt Collection, then you are going to want to know more about how companies just like this operate and work.

They are on a bonus

One thing to keep in mind that FredPay Debt Collection are usually working on a bonus. Those people who call you to discuss your debt and try to make payments are working for the bare minimum that they can be paid per hour. However, their wages will be topped up daily or monthly as a part of a bonus scheme that relates to the amount of collections that they have made. This means that the person making the call is going to want to be able to collect the money in order to receive their own bonus.

They may use automated calls

Many people decide to simply ignore the calls that they receive from debt collection companies.  Not only is this going to make it much harder to resolve your debt problems, but you may also find that they then employ automated call technology in order to get you to answer. This tech works by making calls to you on an automatic basis, rather than being made by an actual person. If you do happen to answer, then chances are that you are going to find that the other end of the phone line is silent.

It is important that you make a note of the frequency of the calls that are being made to you. It could be that the behavior is deemed a breach of the Office of Fair Trading guidelines and they could find themselves in trouble.

They could try bad cop and good cop

A common tactic that is often employed by debt collection is that of bad cop and good cop and surprisingly it really seems to work. The way that it works is that you will often have dealings with the company concerned where the person on the other end of the phone is rude or unempathetic. Then, when you make an enquiry or speak to a person on the phone another time, they are polite and helpful towards you, throwing you off course. This approach is designed to wear you down and get you even closer to making a payment. It can be one of the hardest of all the approaches to stand up to.

They may try to talk about your financial situation with someone else

An illegal approach to debt collection is to speak to the someone who is not the debtor about the debt. This could be a family member who answers the phone or perhaps a colleague if they answer your work number. Not only does this approach breach the laws set out by the Office of Fair Trading, but it also breaches privacy laws too.

They may lie and be deceitful

There are some debt collection agencies out there that feel that they are above the law and that they don’t have to worry about the regulations that they should adhere to. This means that they then take some rather nasty ways to get their money. They could call you pretending to be a court, they may pretend that they are a bailiff, they may even threaten you with removal of items from your home or with criminal prosecution.

You should never feel threatened and if you do then you are fully within your rights to call the police to report them.

Writing off your debt

How can I get my debt written off?

Individual Voluntary Agreements or IVAs make it possible for you to write off your debt. This is a formal agreement that you will pay the debt collectors an amount that you can afford or perhaps monthly payments, both of which will ensure that the debt is paid off over a defined period.

Debt collection companies have been asked to abide by the regulations that have been set out for them. Despite warnings from professional bodies there are some out there who are still not sitting within these laws. If you feel that you have been treated unfairly, then you may want to speak to the Financial Ombudsman.

You only qualify for the government IVA scheme if your debts are over £1,200 and you have more than one debt. Fill out a 30 second form to see if you qualify using my 5 question virtual assessment.

More about Fredpay

Who are Fredrickson International (Fredpay) Debt Collectors?

Fredrickson International (Fredpay) Debt Collectors are part of the Lowell Group – a huge company that tries to recover debt. Debt collection agencies who buy your debt from the original lender that you borrowed it from. This can be the case if you haven’t made the repayments that you committed to. If Fredpay is getting in contact with you, it’s likely that you owe them money. Read what to do if you can’t pay back your loan.

Are Fredrickson International (Fredpay) Debt Collectors Credible?

Fredpay are a registered company and most importantly are authorised and regulated by the Financial Conduct Authority (FCA). The FCA have very strict rules, so it’s safe to say that they are legit. That being said, debt collectors do use techniques to get the money from you as soon as possible – this might not be in your best interest, so proceed with caution and read the rest of this article for some guidance.

Star Rating


3.1 out of 5 stars (3.1 / 5)

We’ve awarded Fredpay Debt Collection a generous 3.1/5. Whilst there are lots of negative reports, we put this down to disgruntled customers who have to pay money back. Fredpay actually has a fair amount of positive reviews saying that they were handled fairly.

What does the debt collection process look like?

Fredpay will try to take payment over the phone if they can get hold of you. Otherwise you can do it online. First check out their budget calculator to ensure that your repayment is affordable, it’s no use making a payment only to go into more debt!

Fredpay Online payment option

Next check out the payment options page. Here you can enter your Fredpay reference number that you likely received over the phone or on the letters that they have been sending you. Make sure you note down the reference number of your payment, so next time they call you you can tell them that you’ve already paid (it may take some time for this payment to be reflected on your account).

Fredpay Debt Collection Reviews

Due to the circumstances of people who have to deal with debt collection companies, positive reviews are in short supply. The majority of the negative reviews focus on the company sending unclear text messages to make initial contact and chasing debts without providing supporting information about what the debt is. A number of complaints refer to the company chasing statute barred debts. Unusually though for debt collectors, the company does have a number of positive reviews posted online praising how good their customer services are.

Trustpilot scores the Fredpay at 2.4/10. This scor e is largely skewed by 84% 1 star reviews. Here’s some of the bad ones:

“After closing my account with O2, these guys claimed I owed £12 which were not the case. I sent them evidence that there’s no debt, and it seemed to be sorted. Two months later though it appeared as a default on my credit score, and I did not even know. Until now, almost two years later when I see it on my Noddle credit rating report.”

“They are calling my mobile phone house phone 3 to 4 times a day I have had to change my number on my mobile phone with all my friends family had now having to up date the new number I give them”

However like we said before, there are quite a few positive reviews. 11% – this is high for a debt collection agency, which either means that they’re better than most, or they’re faking their reviews?! Anyhow, here’s a sample:

“Excellent customer services very understanding wiling to listen and very helpful excellent supervisiers good customer really helped my situation and would recommend to talk them explaining your situation and they will help you that’s why I’ve give them 5stars please talk to them do not Bury your heads in the sands”

“Look, – Fredpay are just doing their job. They will have to ask you for name, DOB etc. before they can discuss anything. Ok, now on to us. We have had financial fraud (credit cards opened in our names). Fredpay bought some of these debts. They then listened to us very carefully and we sent all the evidence we could to them. I know they pay peanuts to buy debts from Banks but they listened to us and then threw out all claims against us.

I would suggest your first point of action is to cool down and be polite with Fredpay . They are not bandits, – they buy outstanding debts from companies and banks. Don’t ignore them and make yourself appear guilty! Supply them in writing and by phone all your evidence.

It’s really the Banks, Utility Companies etc that Fredpay actually BUY debts off that are idiots. Hope this is useful to you. PS: If you really do owe money they’ll sort out a payment plan to suit you.”

Fredrickson International Debt Recovery Contact Details:

Company Name: Fredrickson International Ltd

Other Names: Fredpay, Fredrickson International Debt Recovery, Lowell Group

PO Box 260
KT13 0YH

Contact Number: 0345 839 6261


Monday – Thursday: 8:00 am – 8:00 pm
Friday: 8:00 am – 9:00 pm
Saturday: 8:00 am – 4:00 pm


Who owns Fredrickson International Limited?

Fredrickson International Limited is owned by Metis Bidco Limited which took them over in December 2019. However, Fredrickson International Limited is no longer trading.

Are Fredrickson International Limited financially regulated?

Fredrickson International Limited was authorised and regulated by the Financial Conduct Authority. Their registration number was 730425. However, they are no longer trading.

Do HMRC use Fredrickson International Limited?

Fredrickson International Limited does not collect debts on behalf of HMRC as the company is no longer trading.

Does Fredrickson International Limited buy debt?

Fredrickson International Limited does not buy debt as it has ceased trading.

What happens if you ignore debt collectors?

Fredrickson International Limited buys debt from companies that have been unable to collect from you. They buy the debt for a few pence on the pound and then aim to collect a fraction of the full amount to make a profit.

Can Fredrickson International Limited take you to court?

If you ignore debt collectors at first they may send doorstep collectors. Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report.

Can you go to jail for debt collections?

Fredrickson International Limited can take you to court in order to claim the money owed. If you have been taken to court you will have received a County Court Judgement letter.

What happens if I ignore a CCJ?

You cannot go to jail for debts owed to debt collection agencies.

Can Fredrickson International Limited issue a warrant?

If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe.

Are Fredrickson International Limited bailiffs?

Fredrickson International Limited cannot issue an arrest warrant or have you sent to prison. At most they can request a CCJ and if successful send bailiffs to your property to recover items to cover the debt owed.

Can Fredrickson International Limited come to your house?

Fredrickson International Limited are not bailiffs. They could, however, request a County Court Judgement which means that the courts could send bailiffs. You would have received a lot of warning letters if this was going to happen.

Can Fredrickson International Limited force entry?

Fredrickson International Limited have been known to send people to your house, however, they have no legal powers so you can ignore them or tell them to go away. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Will Fredrickson International Limited give up?

Fredrickson International Limited cannot force entry, they have no legal powers over you. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house.

Can a debt be too old to collect?

Fredrickson International Limited won’t give up chasing you for the debt until they’ve exhausted all of their legal options. This usually means being chased for up to 6 years.

How long can you legally be chased for debt?

A debt can be too old to collect from you. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. This 6 years is counted from your last payment or the last time that you acknowledged the debt.

Are debts ever written off?

As per the Limitation action 1980, you can be legally chased for up to 6 years from your last payment or the last time that you acknowledged the debt. If a County Court Judgment is raised against you the Limitation Act no longer applies and you can be chased indefinitely.

How do I contact Fredrickson International Limited?

Fredrickson International Limited wrote to everyone that it was dealing with when it ceased trading. Anyone who thinks that they should have had that letter but didn’t, or that has questions, can email them.

How do I pay Fredrickson International Limited?

Fredrickson International Limited has ceased trading so you no longer need to pay them.

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