Complaints Against Credit Solutions Debt Collectors
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What To Do If You Get A Nasty Letter or Phone Call From:
Credit Solutions Debt Collectors
Credit Solutions Debt Collectors is a debt purchasing or debt collecting company in the site of the DBSG (The Debt Buyers and Sellers Group) and/or mentioned in consumer finance forms. They have a legitimate function as debt collectors, but there is some indication that some such companies (not necessarily Credit Solutions Debt Collectors), and especially the debt purchasing element, go a bit too far sometimes and can make people's lives a misery when those same people are at their most vulnerable. We do not suggest that they are acting outside the law, but getting that letter or phone call is not exactly helpful to you right now.
So the first thing you must do if Credit Solutions Debt Collectors are bothering you is not to panic or despair. That's just what they want! They'd love you to call their number and speak to their specially trained sales team for 'advice'. But once you do that you'll be suggestible to whatever they tell you, instead of getting independent advice. While we always say that you should keep an open dialogue with debt collectors, we would recommend that you do so in writing only. This will prevent them 'railroading' you into any action which is not in your best interests, as they so love talking people into doing things on the spur of the moment. Of course, they are only doing their job, but that's hardly a consolation for you in the present situation.
There are several options that are open to you, and some will suit your own situation better than others.
A sensible option, we would suggest, is a debt management plan or even an IVA - which is designed to actually write off a large chunk of your unsecured debt. But you would need to take advice on this and look at your income and expenditure in detail. This option won't suit everyone. There's more on this below.
As an alternative you could apply for a 'logbook loan' which many people find a very handy option. It is actually a loan secured on your car, except you get to keep the car and keep the cash as well! That's why some people find it such a good idea, as it unlocks the equity in your vehicle without taking away your means of transport (there's no need to sell the car). To apply for a logbook loan click here.
Yet another option is a no credit-check guarantor loan. This is especially useful because your own credit rating is not looked at; you must find someone else willing to act as a guarantor for you such as a friend or family member. This is an ideal solution if you're at the stage where your credit profile has been downgraded by recent events, etc. So click the following link for Unsecured Loans that don't need you to be credit checked.
Are you owed money? Have you been missold Payment Protection Insurance with your credit card, mortgage or loan? PPI Advice Line will advise customers openly and honestly about the chance of making a successful claim for their compensation. Find out if you have a claim by clicking here.
If you wanted to try a debt management plan, then we provide a whole-of-market service, with a number of debt management experts on our panel. So whatever your circumstances, your application will find the plan for you, meaning the optimum outcome for your situation. It also means there are no minimum requirements for debt levels or income.
NOTE: If you have at least two accounts in debt, and total debts of £2,000 or more, enter your details below to see if you qualify. (But if you owe less than this, or are on state benefits, then use this link to apply instead.)
DPC Registry. Consumer Credit Licence number 633327.
Name: Credit Solutions Debt Collectors
Also Known As:
Address: Capella Court, Brighton Road, Purley, Croydon CR8 2PG
Telephone: 0208 7634519
Fax: 0870 3000589
Email: [user]@creditsolutions.co.uk
Extra Data: Known to act for Barclays Bank and Barclays associates (Barclaycard and the like), and also known to send out "we'll send the boys round" type threats which Barclays then denies because Credit Solutions have misinformed Barclays that they do not resort to such practices. Nice! Barclays soon capitulates and apologises when sent a copy of the proof - but Credit Solutions does not; they just carry on making their threats. But keep at them a second time and they will shrink away like any bully.
Get a free QuickCreditScore check by applying here.
Credit Solutions Debt Collectors and the Truth About Your Debt
Several good consumer finance forums exist on the internet where you may read about the antics implicating Credit Solutions and the strategies that they use. You can see how some of these debt collecting agencies specialise in certain kinds of activity while others choose a different line according to their positions of strength. The upshot is always distress and unhappiness for a lot of people. These debt collection firms are often members of trade organizations and often like to think they are respectable operators.
Always insist on corresponding with the DCAs by post. Do not give out any phone numbers. The trouble is that in the first instance, when your defences are down, they will say they are the credit card company or bank and this will make you feel obliged to comply. For them, your uncertainty is important, so they seek to create as much confusion as they can: here Credit Solutions will have the best outcome for them. Once they get hold of your information they will use it to pester you, even to scare you. The law is there to prevent this sort of thing from happening but most people just don't know what to do and how well these debt collecting firms use it to their advantage. Bodies such as the CCCS and the CAB are there to offer help but often they can be overstretched and sometimes their help is lacking in detail.
So ask Credit Solutions Debt Collectors for a copy of the original contract when you took out your loan or credit card.
More Data On Credit Solutions Debt Collectors
If you have any information that you would like honest people to know about Credit Solutions Debt Collectors then send us an email in complete confidence and we will try to corroborate it with the clowns involved.
Please be aware that figures entered into the Credit Solutions Debt Collectors web form (above) will need to be accurate by law, and to give the best service to you. It is extremely important that you budget for all necessary expenditure including rent or mortgage, council tax and utility bills, etc., and any other necessary outgoings related to the upkeep of your household and in relation to any specific circumstances which may apply to you or your household. This website only collects data on behalf of debt management professionals, from which it will receive affiliate remuneration for data collection only and does not itself engage in any debt management services. Other debt management options are available and may be more suitable. People entering into an IVA or debt management will have this entered on their credit profile and this may affect their ability to get credit in the short term or even in the long term in some cases. It is free to apply from this website; you will be given advice by debt management professionals and a 'cooling off' period, by law, to decide whether or not the debt management plan is suitable for you, and you should be aware that a fee will be chargeable upon a successful arrangement, as with any commercial transaction. Failure to meet the repayments on an IVA or any debt management programme may result in serious consequences, including, but not limited to, bankruptcy. Bankruptcies, CCJs and similar defaults will be entered into a public register and will remain there for a statutory period of not less than six (6) years.
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Take a look at the Insolvency Service's leaflet called 'In Debt', downloadable here.
This Credit Solutions Debt Collectors website is part of DPC Registry website group. All rights reserved. Complaints Against Credit Solutions debt collectors.
