credit solutions limited debt collectors

I know this an old post but this company are a joke!

They wrote asking me to contact them as they had traced me, no details as to why. Obviously I didnt call them and then received another letter asking for £81 stating that their client is Southern Water. As far as I am aware I dont owe Southern Water anything!

I emailed them the do not acknowledge debt letter and received yet another letter stating they are sorry I havent been in touch please pay £81 immediately.

I then emailed and sent them do not acknowledge debt letter on Monday 1st August, by signed for delivery, asking them to prove it was my debt by sending copy bills, they received the letter Tuesday but only signed for as CSL not a person. I received a letter Saturday 6th thats dated 1st August although I personally believe it was sent AFTER they received my letter again demanding £81 and saying because our time scales are so tight please do not write!!!!

This has made me laugh so much! Do they really think we are all stupid and are going to call them up to be lied to and threatened!

If I really owe this debt, which I do not believe I do, it should not be an issue for them to send copy bills! Thats like me writing to someone I find in the phone book saying hey you owe me £100 and them paying it without any proof of a debt!

Capquest tried to pin a debt on me that is not mine and they lost in court and have to pay ME £140. So if CSL want to carry on then so be it, without proof I owe anything they will not receive 1p out of me!

I had one dealing with them last month. The call handlers are SO SO SO SO rude and horrible. They argue, and shout - they don't hold a casual conversation. It would of been fine if my circumstances could have been discussed, but they just want to really, really cause grief and upset. I'd love to meet one of them in person, the people who work for them should be seriously ashamed of themselves.

Probably more in-depth than you want to go but I'll post this here cos I don't see it referred to at all these days. It concerns someone who was targeted by Lowell for a debt of £124 even though the alleged debt was not his. Despite his letters and phone calls they continued working through their standard threatograms. Although there may 'only' have been five letters sent, this was enough for the judge to be 'horrified' (his words). I've seen much worse cases than this.

There are some interesting points from the judge's judgement, including his agreement that compensation for this harassment should be in the range £1500 - £3000.

I liked the paragraph

'Of course this kind of conduct can be a criminal offence. I read the correspondence and I have no doubt that anyone reading that correspondence and knowing that X had no liability to HSBC and therefore to the defendant, would come to the view that what was occurring was harassment. Any reasonable person looking at this would come to that view.'

Particulars of claim:

https://www.e-sue.co.uk/docs/Lowell_Claim.pdf

Full judgment:

https://www.e-sue.co.uk/docs/lowell_judgment.pdf

Compensation cheque!

https://www.e-sue.co.uk/docs/lowell_cheque.html

Just got off the phone with these cowboy collectors.

Months ago they accepted my payment offer, made in writing as that's the only way I'll correspond with them.

The accepted offer came with a bank giro slip so I made the first payment through that immediately but wrote asking for bank details so I could set up a SO.

Wrote and emailed a number of times (even have email read receipts) and no response, despite them sending me letters telling me my payment was late, asking for an i/e form to be filled in (no chance) and threatening 'the next step' action.

So I gave in and phoned them (withheld number from them) and the woman was the rudest and most arrogant I have ever had the misfortune to speak to. She didn't like it when I raised my voice (not shouted) and repeated that she should LISTEN TO ME.

Apparently I am supposed to know I should have phoned for bank details from them. She didn't seem to like me pointing out that responsible companies reply to letters and emails and got very shirty and said "We are responsible" and then she gave me the details, didn't want to discuss anything else and said "You have the information you phoned for" and I replied "Yep" as I hung up before she did. Oh and she didn't like the fact I said I have a contact number but not one I'm willing to let them have as I'll only communicate in writing :-)

Next snotty letter they send I'll just reply asking them to take me to court so we can get this sorted as I've been around long enough not to be treated like dirt by some low-life debt company.

Rant over, onwards and upwards, all debts being serviced now by S/O and all other companies perfectly happy.