What To Do If You Get A Nasty Letter or Phone Call From:
full details of this debt collecting company and how to make use of
this opportunity to better your situation, go to the home
page of this website by clicking here, where all of this information
is located. Thank you.
is a debt purchasing company or debt collecting company listed in the
Address: Capella Court, Brighton Road, Purley, Croydon.
Telephone: 0208 7634519 DO NOT PHONE CREDIT SOLUTIONS
Fax: 0870 3000589
Extra Data: See
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There are a few useful things you can do to make their task as difficult
as possible with the various tactics of Credit Solutions. You can bar
their phone number, or you could record their phone conversations, you
can write instructing them not to visit you or any one of these (all
form letters are at the website).
It is an option to call into question the validity of the debt by
making a SAR (Subject Access Request) as a foil to Credit Solutions.
The owner of the debt (the bank or the debt purchasing company) is obliged
to send you a true copy of the original credit agreement with the bank
if the contract was made before 6 April 2007. If they do not do this
they are in breach of the law, and the alleged debt is said to be in
dispute. While the debt is in dispute they must not ask you for any
money (if they do so they are in further breach of the law) and they
are not allowed to sell it on (which many do). For as long as the debt
is in dispute it cannot be enforced, even by a judge. There is a series
of template letters available that you can use to follow up. If you
want you can get a lawyer to do this for you, because it can be a bit
of a strain doing it by yourself. There are also specialist legal and
paralegal firms who specialise in doing this kind of work.
If you are struggling with Credit Solutions you may be reassured by
the fact that the actions that they are using to distress you are odd
or have become so. The debt collecting firms or DCAs are under little
pressure, or so it appears, to improve their conduct unless ordered
to do so by the Office of Fair Trading or similar organisation.
So ask Credit Solutions
for a copy of the original contract when you took out your loan or credit
Data On Credit Solutions
you have any information that you would like honest people to know
about Credit Solutions then send us an email in complete confidence and
we will try to corroborate it with the clowns involved.
Credit Solutions website is part of DPC Registry website group. All