Want to STOP the stress of debt?

If you are sick and tired of the phonecalls, the threatening letters, or perhaps you are just struggling to maintain your regular payments, DebtBuffer can help make all this hassle STOP.

You simply need to know what your real options are & whether you can write off some, or all of your debts. It’s up to you to take charge, not the debt collectors!

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Fredrickson International Debt Collectors

FredPay is Fredrickson International, a Financial Conduct Authority (FCA) authorised debt collection agency, also a member of the Credit Services Association (CSA.) Established in 1992, FredPay advises and collect on behalf of the UK’s largest companies.

Who are FredPay?

FredPay is Fredrickson International, a Financial Conduct Authority (FCA) authorised debt collection agency, also a member of the Credit Services Association (CSA.) Established in 1992, FredPay advises and collect on behalf of the UK’s largest companies.

Why Is Fredrickson Contacting Me?

An organisation that you may owe money to has asked Fredrickson International to contact you and collect the amount owed. Always establish upfront the exact debt amount and the name of the company seeking repayment.

Is FredPay legit?

In addition to FCA authorisation and CSA membership, Fredrickson holds the following accreditations:

  • • Fredrickson is SecureTrust compliant
  • • Fredrickson is a member of the CSA Collector Accreditation Initiative
  • • Fredrickson is IEC 27001 certified for its Information Security Management System
  • • Fredrickson is registered with the Information Commissioner’s Officer

Wait, is this really money that you owe?

It’s possible that the debt may be too old to be collected, or there was a mistake in identifying you as the debtor.

Under the Limitations Act 1980, debts older than six years often cannot be collected. This may apply if you haven’t made any payments at all and no County Court Judgements (CCJs) have been issued, or you haven’t formally recognised that you owe the amount in writing.

If you are completely unaware of the debt owed and why you have been contacted, it may be that you have a similar name or address as the actual debtor. In some cases, you may have been the victim of fraud or identity theft. If you suspect this is the case, you must immediately investigate this. If you are certain that you are not liable for the debt, our Letter Writing service can assist you with a dispute letter.

If you have any doubts, seek advice to establish your liability before going any further.

Remember, Fredrickson may only answer questions about the collection order or your account but are not permitted to give advice on what you should do.

So, Can I Just Ignore Fredrickson?

Don’t ignore contact from Fredrickson, even if you are sure that you are not liable for the debt. However, Fredrickson is not permitted to harass an individual or cause distress.

If you are in financial difficulty, inform Fredrickson that you are seeking advice; action against you may be paused. If you are worried or feel under unfair pressure, use our AI chatbot to get advice on how to handle and resolve debt collection requests, whatever your circumstances.

Anyone who has had a debt collection action issued against them can legally ask Fredrickson to allow 30 days’ breathing space to consider their options and seek advice. Our Letter Writing Service can assist you in this. This will give you time to find a realistic solution to your problem or investigate the debt further.

If you fail to resolve the debt collection order or prove that you are not liable, it won’t simply go away. Either Fredrickson or the original creditor may apply for a CCJ to recover the money owed. A judgement against you will not only affect your credit rating, but it will also increase the original amount owed as interest will be added until it is settled.

How Debt Buffer Helps

Debt Harm

We help you realise & address the harm bad debt does to your mental & physical health

Deft Letter

We help you gain extra time to arrange your finances and also handle debt collectors or bailiffs through our letter creation service.

Deft Easy

We help you understand your options based on your circumstances and the information you tell us. No BS.


What Can Fredrickson Do?

As a debt collection agency, Fredrickson only holds the same legal powers as the original creditor. Fredrickson is not a bailiff, they are debt collectors and as such do not have the power to enter your home uninvited or remove goods. The only legal action Fredrickson may take in-person is to knock on your door and ask you to pay. You do not have to make a payment on the spot if this happens, and you cannot be forced to do so.

Usually, you will be initially contacted by post or by phone and you will be asked to either settle the debt or set up a payment plan. You can limit the contact you receive by stating your preferred method of contact. If you request that Fredrickson only contact you by letter, this may give you some time and space to consider your options. This also reduces the pressure during calls and texts to give immediate responses to any demands made and will ensure that you are not contacted in situations where it would be difficult to maintain your privacy.

If it is established that you owe the amount requested, work out what you can realistically afford to repay and stick to it. Try to avoid being pressured to increase repayments if it will adversely impact your other essential outgoings or cause you to fall into debt elsewhere.

Fredrickson must allow you to set up a debt repayment plan via FredPay if you cannot settle the amount in full.

You may also be eligible for an Individual Voluntary Agreement. This may be a good option if you own a business or have more than one collection agency or creditor seeking repayment.

Once you have set up an IVA, Fredrickson will not be able to take action against you for the debt. But, you must keep up the agreed repayments or the IVA practitioner can cancel the agreement and even make you bankrupt.

If you stick to the IVA payments, the information is removed three months after completion.

DebtBuffer is here to assist you in achieving debt freedom. Explore our site for more information on how to manage personal debt and ensure that you are treated fairly throughout the process. Get expert help in writing letters to create time and space to resolve debt issues. Our AI chatbot can assess your situation by asking some questions and telling you which solutions will help you to take back control of your life and money.

Frequently Asked Questions about needing Debt Help

What is the best way of dealing with my debts?

If you are struggling with debts that are impacting you or your families quality of life then simply put, its time to put yourself first and make some clinical and calculated financial decisions. If you are being chased by collections agencies or have bailiffs banging on the front door, its a terribly stressful situation and no way to live. Our simple advice to anyone in this situation is seek the route that most easily takes away the stresses of being chased for debts and allows you to enjoy more of your income. Our priority is helping you find a solution that creates a buffer between you and your debts.

What is an IVA?

Depending on your circumstances you might be eligible to take out a Government approved scheme for reducing your monthly debt payments and writing off up to 90% of your debts at the end of the scheme. Your creditors have to agree and you must have more than £6000 of debt and enough income to be able to meet your new agreed payment. Read our guide to IVA’s for more details

Is an IVA worth it?

That’s going to depend on your individual circumstances and whether or not the various pro’s and con’s of an IVA are worth it for you. For most people who simply cannot carry on with debt that has become unmanageable, being able to reduce payments down to an agreed fixed amount that you can certainly afford, and at the end of the fixed period having the bulk of your debts written off is certainly worth it. However, careful consideration needs to be given to other solutions such as Bankruptcy, Debt Management Plans or Debt consolidation loans or mortgages. Everyone is different so you must put yourself and your needs first.

How does an IVA work?

An Individual Voluntary Arrangement, or IVA, is a formal, legally binding debt solution, which is a form of insolvency. It must be administered by a licensed Insolvency Practitioner. As an alternative to becoming Bankrupt, It allows you to potentially write-off up to 90% of your existing debts, based on what you can reasonably afford to repay. The exact amount will vary depending on your personal circumstances, and who you choose to arrange your IVA.
An IVA commits you to monthly repayments over 5 or 6 years, which are distributed among your creditors. Any debts remaining after this period will then be written off. The payments will take into account your monthly income to ensure that the IVA is realistic and affordable.


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26 years & 8 months, that’s how long it will take someone to pay off the average UK credit card debt, just on minimum payments.

If you are drowning in debt and are being forced to choose debt payments over food, clothes or rent, it’s time to take back control of your life and your money.

Put yourself first, get back in control of your finances.

Choose DebtBuffer, Choose life.

Are you ready?

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