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Really need help. 82 year old nan being harrassed by Credit Resource Solutions
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CRS are a debt collecting agency. If the payments were up to date, how did they get involved in the first place?"One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
Well you know what to do then... dont you?
keep off my thread if you aint got nothing good to say
Emma
Don't respond to posts that are just there to get you upset, simply ignore them - or they'll just keep coming and you'll get even more upset and then start to annoy the people who are trying to help you.
Try to answer the questions that are relevant so that people can get a FULL clear picture of the chain of events.
Just because you didn't say something doesn't mean that it was clearly understood that you didn't (does that make sense...? lol)
For the record and as far as I am concerned.. as long as the person signing to be a guarantor (or at least thought they were) understood their responsibility then the argument of why would you even ask is totally pointless and irrelevant.
You say that some large payments went "missing" - have you asked the Lender where they actually went and what they were used to pay off if not the loan?
For the rest - there is now a debt collection agency involved because the OP stopped paying when the payments she was making were not appearing to come off the balance. (Although, Emma, I do think this was a dangerous strategy - you would have been better off finding the answer to the above)“That old law about 'an eye for an eye' leaves everybody blind. The time is always right to do the right thing.”0 -
It sure seems complicated, but I think this is what ej8989 is saying.
ej8989 applied for the loan and the loan required a guarantor and the loan was put in the guarantors name.
Money was coming out of a bank account (although I'm not sure whos) and everything was being paid, either directly by ej8989 or the money given by ej8989 to the guarantor and money taken from the guarantors bank account.
During the time the car got a fault and nobody would help.
But payments towards the car continue.
Then ej8989 hit upon hard times and couldn't afford the repayments.
It went to a debt collection agency CRS.
ej8989 set up a payment plan with them.
ej8989 has been paying the payments for the past 2 years, until a couple of months ago, when it became apparent that CRS were losing payments.
Because it went to CRS a few years ago, for the past 2 years the guarantor has been getting the you owe us money and we want it letters.
These letters now threaten court because payment has stopped altogether.
ej8989 believe that once it went to the debt collection agency, that they should deal with her not the guarantor, but the loan is in the guarantors name.0 -
It sure seems complicated, but I think this is what ej8989 is saying....
Yes, I agree that I think the same, apart from..Because it went to CRS a few years ago, for the past 2 years the guarantor has been getting the you owe us money and we want it letters.
.. where it appears that there never was a guarantor in the first place (unless they are "switched" and the Nan is the main loan applicant and the OP is the guarantor )?“That old law about 'an eye for an eye' leaves everybody blind. The time is always right to do the right thing.”0 -
For the rest - there is now a debt collection agency involved because the OP stopped paying when the payments she was making were not appearing to come off the balance. (Although, Emma, I do think this was a dangerous strategy - you would have been better off finding the answer to the above)
That's not what's been written at all.
The OP says that they stopped making payments because the debt collecting agency failed to pass the credits onto the loan company. Why the DCA got involved has not been mentioned at all. And it's pertinent in order to establish how bad this has now got."One day I realised that when you are lying in your grave, it's no good saying, "I was too shy, too frightened."
Because by then you've blown your chances. That's it."0 -
That's not what's been written at all.
The OP says that they stopped making payments because the debt collecting agency failed to pass the credits onto the loan company. Why the DCA got involved has not been mentioned at all. And it's pertinent in order to establish how bad this has now got.
Yes, sorry, you are correct - the DCA got involved a lot earlier.
So, it could be that the DCA have not "stolen" the payments but have in fact paid their own fees first and there is nothing left to pass on ?“That old law about 'an eye for an eye' leaves everybody blind. The time is always right to do the right thing.”0 -
The OP insists they only stopped paying after CRS started losing payments. However they must have stopped paying loan payments much earlier for it to have ended up in the hands of the debt agency.
I'm all for helping people but when they would rather slag people off than answering simple questions and providing clear and concise details, it becomes a little difficult. As I just read another post - snottiness gets you no help round here!0 -
The OP insists they only stopped paying after CRS started losing payments. However they must have stopped paying loan payments much earlier for it to have ended up in the hands of the debt agency.
I'm all for helping people but when they would rather slag people off than answering simple questions and providing clear and concise details, it becomes a little difficult. As I just read another post - snottiness gets you no help round here!
They said they lost their jobs, so couldn't afford the repayments in their first post, so I'm assuming that that is when it was passed on.
Reading between the lines, they paid CRS for 2 years, but stopped a few months ago because they were losing payments.0 -
Right, I have ignored every post except the OP's and I've ignored her rude posts trying to make some sense of this gibberish.
From what I can gather from the information given...
OP bought a Citroen from a Ford dealers. Cost £7k, plus interest £10k total. 'Nan' was supposed to be the guarantor on the loan (taken from post one).
Within 2 weeks the car broke down with an electrical fault. Ford refused to fix it because the car was in the OP's name, the loan in Nan's name. No idea what the OP did regarding this. Any letters? Try to solve it with Ford? Find a solution? If the car was new it would be under warranty - was this option looked at?
The OP states that she made some payments then lost her job. I am assuming payments stopped. The debt was passed to a debt recovery firm about 2 years ago.
The OP asserts again that Nan is the guarantor (post 15). Some payments have gone missing so the OP stopped paying. Bad idea. What has happened to trying to find the missing payments? Any letters sent with evidence of the payments (I am assuming you have the receipts).
In the meantime the OP swapped the Citroen for a lesser car that was written off. Not sure how the OP managed to off load a car that finance on it but that's another matter. OP also states later on that Nan is NOT a guarantor but the loan is actually in her name. Not sure this is correct; from a hazy memory if finance is secured on the car it has to be in the name of the car owner. Therefore, I still think Nan is guarantor.
The crux of this is that the OP has not behaved in a sensible way - stopping payments, not following up with getting the car fixed, giving it away....
Here's the rub. Whether Nan is guarantor or whether the loan is in her name, if she does not come to an agreement with the debt collection agency they may well take her to court. Due your very poor handling of this matter, you've not got a leg to stand on at this juncture.
I'd be bending over backwards to reach an agreement with them.0
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