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

Fredrickson International Debt Collectors

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Fredrickson International (Fredpay) Debt Collectors

You Might Not Have to Pay Fredpay Debt Collectors!

Fredpay is one of many debt collection agencies that is known for causing panic to debtors with their debt letters. If you believe you don’t owe Fredpay a penny or cannot afford to pay the debt, we have useful advice for you right here. And don’t think you’re alone! The Financial Ombudsman has received over 1,000 more complaints this year compared to last, including some who were able to write off their debt entirely!

Keep scrolling to learn what you can do to deal with Fredpay.

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

Deal with your debt today and feel amazing tomorrow.

Beating Debt Collectors

There are several ways to deal with Fredrickson International debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

Fredrickson International (Fredpay) Debt Collectors

What is Fredpay?

Fredrickson International Ltd, also known as Fredpay, is a company that specialises in collecting payments for personal debts. They are a part of the Lowell Group, which is recognised as one of the most successful debt collection and debt purchase organisations in the United Kingdom. Fredrickson International focuses on the southern region of the country, whereas the Lowell Group is more concerned with the collection of debts in the northern region.

They also collect debts on behalf of companies such as Utility Warehouse, Capital One, O2, Littlewoods, and others.

There is a good chance that they are contacting you by phone or letter because they think you owe money to them. Because the original debt will not be to Fredrickson International, you may not recognise the name.

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Why are FredPay Debt Collection contacting me?

For debt collectors like Fredpay, it’s no surprise that this is a lucrative business.  Companies like these can buy debts that haven’t been paid for only one-fifth of what they are worth. Debt collectors buy debt from a creditor and then make a sizable profit when the debtor pays them back in full.

If you have received a debt letter from Fredpay, there is a good chance they bought your debt off a creditor and are now chasing the money from you themselves. That’s why you may have not heard of Fredpay until now.

See my most popular post on how to get a refund

Is FredPay legit?

Yes, FredPay or Fredrickson International Limited is a legitimate debt collection agency that is authorised and regulated by the Financial Conduct Authority (FCA). They are also a member of the Credit Services Association (CSA).

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 company is regulated by the FCA and has membership with the Credit Services Association. The business is successful with an annual turnover exceeding £10 million.

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Check if you really owe the money!

What does it mean for a Debt Collection company like Fredrickson International Ltd to “Buy” a Debt?

Traditional lenders that you may have taken out a loan from specialise in giving out loans but they do not specialise in retrieving loan repayments.

If they run into a debtor that’s having trouble making his/her repayments, then recovering their money from them isn’t really something they excel at.

Due to this, their loan repayments get “stuck” and lenders often feel like their money is lost.

Rather than spend time, money and resources on attempting to get you to pay up, lenders often prefer to “sell” the debt to a debt collection agency.

The debt is sold to the agency often for a lower price than what the actual amount was. This is still worth it to the lender in exchange for all the resources and time he/she would have had to put in to recover their money from you.

Once the debt is “sold” to a debt collection agency, they become the sole owner of your debt. This means that you’re liable to make repayments to them now.

The debt collection agency would now use its resources to recover the money you owe towards the debt.

Do I really owe money to Fredrickson International Ltd?

After first being contacted by any debt collection agency, your first task is to locate where the debt comes from, i.e. which company you owed and how much the debt is. Don’t be surprised if the amount that Fredpay are requesting is more. The debt may have accrued interest and other charges. This shows how avoiding or ignoring debt can cause it to snowball into bigger debt.

Once you have this key information, it’s time to write a letter to Fredpay asking them to provide you with proof that you owe the debt, such as a signed agreement. If Fredpay do not send you this proof, you do not have to pay them anything. In fact, you could even request a refund from Fredpay.

But how do you ask for proof in your letter? It’s simple – just use my prove the debt template to save you time.

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

If Fredpay reply to your letter supplying proof of the debt, the easiest debt solution is to pay it off before it escalates. But not everyone can afford to pay their debts, and if that’s you, you can contact Fredpay to ask if they offer payment plans. This will make your debt more affordable because payments are spread out over many months.

Could FredPay Debt Collection really ruin my life?

You would hope that Fredpay will try to collect your debt by following the correct processes and procedures, but this is not always the case for debt collection agencies. Some of these businesses resort to applying pressure, harassment and even bullying to try to get you to pay.

Some debtors of Fredpay have stated they believe the company does not always follow legal practices. Many debtors dealing with Fredpay complain about trouble trying to sleep and worry about answering their phone or door in case Fredpay agents are trying to discuss the debt and apply pressure. Statistics reveal that more than 50% of people dealing with debt have considered suicide, which is only made worse by unprofessional debt collection agencies.

Fredrickson International and the Law

What are the regulations they need to follow?

There are hundreds of debt collection groups operating in the UK, but not all of them adopt fair and legal practices to collect debt. Therefore, the Office for Fair Trading stepped in to outline many guidelines that these agencies must follow. This means Fredpay have to:

  • The information that they provide to debtors must be easy to understand and never misleading.
  • They must treat all debtors fairly by not using coercive or aggressive practices. They must never be deceitful or use improper debt collection processes.
  • They should be considerate towards those who are struggling to pay their debt.
  • They should account for individual circumstances and situations when discussing monthly repayments.

If you believe that Fredpay has not acted accordingly and may have used tactics that are judged to be unlawful, you can report them to the relevant authorities. Just remember to keep any evidence to support your complaint about Fredpay.

Understand how they operate

What will they do?

The first step in defending yourself from debt collection agencies like Fredpay is to know how the likes of Fredpay operate and how they may try to comminate with you.

They are on a bonus

The workers of Fredpay who call you to discuss your debt are usually working on minimum wage. Their job is to get you to agree to a payment plan so they can start getting a return on the debt that Fredpay bought. What you probably weren’t aware of is that the people calling are often on some sort of incentive scheme where they are paid a bonus on the debt repayment plans they agree throughout the month. Ultimately, they want you to agree a payment plan to get paid more each month.

They may use automated calls

Some debtors understandably start to ignore communications from debt agencies. They worry about paying and think they can bury the problem by avoiding it. However, if this happens, the likes of Fredpay may start using technology to stay in touch. They could employ automated call software to call your mobile or landline at set times. If you do decide to pick up, there may not be a human on the other end – or it could be silent.

If you have started to receive a lot of automated calls, or debt calls in general, start to keep a record of each time it happens. You could use it to spearhead a complaint with the Office of Fair Trading department, and Fredpay could have to answer to them regarding their harassment of debtors.

They could try bad cop and good cop

Fredpay and many other debt collection companies have been known to employ a tactic called “bad cop, good cop”. It is exactly like you are imagining. First of all, you will get a call from a Fredpay worker who is not empathetic to your situation and may well be rude or aggressive. Your next communication – especially if you call them – may be with a completely different type of person who is overly nice, calm and polite before asking you to commit to a payment plan. This technique has been created to eventually get you to agree – and it is hard for you to stand up against.

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

One illegal action that Fredpay may try is to speak with a third party about your debt. This could happen if the debtor’s family member or spouse answers the phone instead. Or if they are calling you at work, a colleague answers the phone. This tactic breaches multiple laws, including those set by the Office for Fair Trading and privacy laws.

They may lie and be deceitful

Some debt collection groups go about their work as if the law doesn’t apply to them and they can disregard debt collection legislations. The result is they use nasty tactics and illegal ways to get the money from you. Some of them even go as far to pretend to are court enforcement officers (bailiffs) and threaten to remove your goods. This is lying and 100% illegal!

If this happens to you when dealing with Fredpay, you could phone the police while they are at your door.

Writing off your debt

How can I get my debt written off?

One way to get your debt cleared is to use an IVA. These are agreements that bind you to pay a certain amount each month for a set period (usually five years). After that, the debt is wiped no matter how much you still owe. It can be used to combine multiple debts into one repayment agreement too!

Debt collection agencies were made to abide by regulations across their industry and frequently receive reminders and warnings from professional bodies. Some of the agencies around are still not adhering to the laws of debt collection. Sound familiar? Maybe it is time to get in touch with the FCA or Financial Ombudsman.

To qualify for the government’s IVA scheme. You must have two or more debts and the total money owed must be at least £1,200. Discover if you can save money on your debt repayments with my five question IVA 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.

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! This budget calculator will help you work out affordable monthly payments to begin paying back the debt you owe.

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 can tell them that you’ve already paid (it may take some time for this payment to be reflected on your account).

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 is regulated and authorised by the FCA. The Fredpay 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?
Fredrickson International could go to court to try and recoup the debt by getting a court order on it. They would need to prove to that you owe the debt to get the court order. If successful, you would be forced to pay, and it would become available on your credit score.
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?
Enforcement agents can come knocking and take your possessions or demand payment. They cannot send you to jail.
Can Fredrickson International Limited issue a warrant?
No, they cannot issue a warrant because they are not the law. They can however get a CCJ for the debt and use enforcement agents to get the money you owe, if they go to court first.
Are Fredrickson International Limited bailiffs?
Fredrickson International is not a team of bailiffs and they cannot themselves repossess your items. With a CCJ, they can employ bailiffs to do this for them.
Can Fredrickson International Limited come to your house?
Fredrickson International workers have no legal rights to enter your home even with a CCJ. Only an enforcement agent has this power.
Can Fredrickson International Limited force entry?
Fredrickson International cannot use force to enter your property even with a CCJ. Enforcement agents may use controlled force to enter if needed. But they will try to avoid this.
Will Fredrickson International Limited give up?
Fredrickson International can exhaust their debt collection options for as long as they like, but they may give up if the debt becomes statute barred (six years old).
Can a debt be too old to collect?
Yes, statute barred debts cannot be legally enforced. Although this means the debt still exists, it also means Fredpay cannot get a CCJ for the debt and you can never be forced to make a payment.
How long can you legally be chased for debt?
You can be chased for the debt until it becomes statute barred (which mostly means for six years but can change). However, if your debt receives a CCJ at any point, the Limitation Act of 1980 doesn’t apply and you could be indefinitely chased to pay.
Are debts ever written off?
Yes, but statute barred debts are not written-off debts. They still exist on paper and you still owe the money. You just don’t have to pay.
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.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring