CRS DEBT SOLUTIONS

bracken213

I have received an email requesting payment for a loan taken out at the Moneyshop in 2015. I have no recollection of this loan and have asked them to provide proof. All they have sent me is an unsigned credit agreement. The debt has not been assigned to them and they have said if I require further information I have to contact the creditor? Is this correct. What are my options?

MalMonroe

First of all, don't panic. Then, since CRS Debt Solutions appears to be a genuine company, I would do as they say and contact the creditor. You need to know what information the creditor has about you and whether or not they can show you an agreement that you've actually signed. I wouldn't ignore it because, having seen Can't Pay and they Take it away, or whatever, I know that companies do escalate debt to the High Court (even when they are in the wrong sometimes) and then when the bailiffs come you have to cough up. So I'd just go along - without giving any bank or personal details of course. Find out what it's all about before telling them to stick it! 

sourcrates

You cannot escalate any consumer credit act debt to the high court, they are dealt with at county court level, and the OP is a country mile away from that senario just now.

CRS do not own the debt, as they are just acting on behalf of their client, so they can be safely ignored, and for future reference, you never, ever do what a DCA "suggests" you do !!!!

If the money shop, or their agents actually do bother to write to you in relation to this "alleged debt", then you should respond with the provit letter, taken from the sticky section of the debt free wannabe forum, until then ignore it.

Only written requests for payment need to be addressed, calls, emails, texts etc, can all be ignored.

Also you should not do anything in haste, as the 6 year time clock is nearly up on this debt, so caution would be advised.

MEM62

MalMonroe said:

having seen Can't Pay and they Take it away, or whatever, I know that companies do escalate debt to the High Court  

A TV show produced for entertainment is hardly a proper vehicle on which to base debt advice.   

PRAISETHESUN

bracken213 said:

I have received an email requesting payment for a loan taken out at the Moneyshop in 2015. I have no recollection of this loan and have asked them to provide proof. All they have sent me is an unsigned credit agreement. The debt has not been assigned to them and they have said if I require further information I have to contact the creditor? Is this correct. What are my options?

I'd ignore it until they start sending letters to you - then as above you can send them a prove it letter requesting further detail of the alleged debt. It's likely they are just sending out email in the hope that something sticks.