Credit Solutions LTD

Anniek1969

Anybody had any dealings with this company, just came back from taking my daughter to nursery and they'd left a message on my answering machine for my husband. Don't have a clue what it's about and the reference number they've left doesn't match any companys we're paying.

The only thing I can think of is NTL, we contacted them last July to give 30 days notice but after several letters and emails they've only just disconnected us and collected their box. They sent me a bill last month for £300 which of course i'm disputing as we had asked to be disconnected from August last year.

Any help would be really appreciated.

Thanks

Me_Myself_2

You'll have to phone them up to find out.

They are a debt collection agency. My friend defaulted on an Egg CC and it was passed them. They owed £15k+, but they accepted £10K as a F&F. They will keep calling, poor at returning your calls, poor at updating their records with conversations. They (friends) had to insist that had a letter or e-mail stating that the debt was settled as they "don't send out settled letters".

Make a note of all converstions with them, etc.

Good luck.


P.S. They were very keen to do a F&F, so if you have a default on your credit file and have the money, negotiate what you need to pay to clear the debt, fr started offering around 1/3 of the debt and eventually paid 2/3.

Egg were stupid as they had told them that they would be able to pay them in full within a few weeks if they'd accept reduced payments, but they wouldn't wait so ended up with a lot less (especially after CSL's cut).

amosworks

I have dealings with Credit Solutions over my Barclaycard debt. I'm currently (unbeknownst to them) collecting information to pursue legal action to reclaim their charges However, as stated by Me Myself, they aren't the brightest sparks in the engine and are crap at administration. I've had to write several nasty threatening letters to get things sorted out with them.

They're as useful as a Bush in a Whitehouse.

THE_LONE_RANGER_4

find out what its about make an offer of payment by letter dont bother with phone calls etc make the offer pay it every month and stick to it

Anniek1969

Husband just got off the phone to them and it turns out they've taken over an old debt from a company who repeatedly ignored our offers of repayment. Told him that we owe £2018 but they'd accept around £1200 for a f/f. When he told him we could pay that he said that we had 7 days to pay £50 to freeze any interest and come to an arrangement that was suitable to them or they would register the debt against our property and possibly send out collectors to remove goods from the house to the value of what we owe. Obviously didn't know that the laws in Scotland are different to the laws in England and Wales and that debt collectors do not have any right to remove goods from the house, he was just scaremongering.

Phoned the National Debt Line for advice and they just said to ignore his threats and send them an offer of repayment with a copy of all my incomings and outgoings. If they don't accept this she said that there is a new scheme in Scotland called Debt Arrangement Scheme which is similar to a DMP and is set up with an independent financial advisor and is free, only condition is that you have to repay your debt within 10 years and that if they go for a decree against me while i'm on this scheme they cannot enforce the decree.

Will just have to send them an offer of repayment and take it from there but from the way they spoke on the phone they just like to come across as if they can do anything they want and there's nothing you can do about it. They've obviously bought this debt and will try anything to make money from it, but at the end of the day they can't have what I haven't got.

Harassed_2

Challenge the debt first. If they can't prove the debt, they'll find it very difficult to go to court. Write to them, using the letter below. Send it by Recorded Delivery and enclose a £1 postal order in payment of the statutory fee.

I do not acknowledge ANY debt to your company. I require you to supply the following documentation before I will correspond further on this matter.

1. You must supply me with a true copy of the alleged agreement you refer to. This is my right under your obligation to supply a copy of the agreement under the legislation contained within s.78 (1) Consumer Credit Act 1974 (s.77 (1) for fixed sum credit) - your obligation also extends to providing a statement of account. I enclose a £1 postal order in payment of the statutory fee, PO Serial Number xxxxx.

2. A signed true copy of the deed of assignment of the above referenced agreement that you allege exists.

3. You are notified that you are obliged to supply these documents, whether you are the original creditor or not under S189 of the CCA 1974.

Non-compliance with my request is a criminal offence under the above Act and will result in a report being submitted to the relevant statutory authorities.

As you are aware, a credit agreement that is not properly documented and signed by the customer is totally unenforceable under the CCA and therefore is a complete defence to any court claim that is issued.

Take note at this stage, that any legal action you may contemplate will be both vigorously defended and contested.

If they don't provide ALL the documentation required in 12 days, they can't go to court. If they fail to provide within 30 days, they commit a criminal offence - you then report them to Trading Standards.

Anniek1969

He's already acknowledged that the debt was originally from a Bank Of Scotland Visa card that has been sold on another company so I think he's liable for it, but will send them an offer of payment and see what happens.

Harassed_2

He's already acknowledged that the debt

Doesn't really matter. They still have to supply the requested documents. If they don't, see above.

amosworks

Oh my gosh, does this mean then that you can kind of wriggle out of paying debts if all the paperwork has gone missing?! :-O

What's the implications of that? Surely everybody could request the original signed agreements and the whole system would collapse, it wouldn't be possible to service them all within 12 days!?

*Runs and hides*

BertieMeldrew

Harassed wrote:

Doesn't really matter. They still have to supply the requested documents. If they don't, see above.

I would absolutely do what H suggests before doing anything else...

Harassed_2

you can kind of wriggle out of paying debts if all the paperwork has gone missing

No, it doesn't. Reputable lenders will have no problems with producing the paperwork to support their claims (with the exception of catalogue companies).

However, debt buyers, who are becoming more common often do. They've bought the debt for peanuts and try to screw the face value out of the 'alleged' debtor. In doing so, they make a lot of mistakes - wrong person, wrong amounts, etc.

Always challenge debt buyers just to make sure. It's your right.