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THE MONEY SHOP AND CREDIT RESOURCE SOLUTIONS
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I need advice and I have looked on the forums for anyone in a similar position but cant seem to find anything.
I received an email a week ago from Credit Resources Solutions on behalf of The Money Shop saying I am in arrears of a past loan by £296.34.
I rang The Money Shop even though they are in liquidation they are still in business in regards of claiming debts from their third party CRS.
They stated I didn't finish paying a payday loan off from 2016. I have looked on my past bank statements and I paid from Dec 2015- 28 July 2016 totalling £1,008.80.
Now I have requested access to my original loan documents but they are stating they have limited access to these documents as they are now in liquidation.
It seems to me they have gone into liquidation and trying to seize as much money from past clients. This loan was from 4 years ago and to all my knowledge it was all paid off.
I want to see proof of the actual agreement I don't understand why they wouldn't have tried contacting me way earlier if this was the case. Also on my experian this doesn't even flag up!?
Can anyone shed any light on this for me please?
Many thanks
I received an email a week ago from Credit Resources Solutions on behalf of The Money Shop saying I am in arrears of a past loan by £296.34.
I rang The Money Shop even though they are in liquidation they are still in business in regards of claiming debts from their third party CRS.
They stated I didn't finish paying a payday loan off from 2016. I have looked on my past bank statements and I paid from Dec 2015- 28 July 2016 totalling £1,008.80.
Now I have requested access to my original loan documents but they are stating they have limited access to these documents as they are now in liquidation.
It seems to me they have gone into liquidation and trying to seize as much money from past clients. This loan was from 4 years ago and to all my knowledge it was all paid off.
I want to see proof of the actual agreement I don't understand why they wouldn't have tried contacting me way earlier if this was the case. Also on my experian this doesn't even flag up!?
Can anyone shed any light on this for me please?
Many thanks
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Comments
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Check your other files if Experian don't show it.
Submit a SAR. That will reveal the current status of your loan and agreements.0 -
No agreement will mean they cannot enforce the debt in court, so if they can’t provide it, you will be ok.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Take a look here for info re: (SAR) Subject Access Request (and a template letter you can send them).
https://ico.org.uk/your-data-matters/your-right-to-get-copies-of-your-data/
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