Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

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  1. #1
    Basic Account Holder Nitrowing Novitiate

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    Unhappy Credit solutions Phone calls -Advice please

    My late mother's 2nd husband rang me tonight, he's been getting telephone callsicon from CRS 01422431020 leaving him messages for me to get in contact with them for a month now.
    I have never lived at his address. I have no idea how they got his telephone number. He has suffered from severe depression since my mother died 5 years ago and I am furious at whoever has started harassing him

    The only clue I have is a reference number they gave him WESCNW which makes me think this has been instigated by Wescot Credit (the original DCAicon that were chasing me for the money paypal lost http://www.consumeractiongroup.co.uk...co-paypal.html
    and NCO/ P Brown are now trying to get from me.

    Any advice (apart from paying out money for goods I never received!!)

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  2. #2
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    Default re: Credit solutions Phone calls -Advice please

    Credit Resource Solutions 08707355333 01422431020

    CREDIT RESOURCE SOLUTIONS LIMITED
    46 PRESCOTT STREET
    halifaxicon
    WEST Yorkshireicon
    HX1 2QW
    Company No. 04690879

    Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

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  3. #3
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    Default re: Credit solutions Phone calls -Advice please

    Quote Originally Posted by rippedoffagain View Post
    Credit Resource Solutions 08707355333 01422431020

    CREDIT RESOURCE SOLUTIONS LIMITED
    46 PRESCOTT STREET
    halifaxicon
    WEST Yorkshireicon
    HX1 2QW
    Company No. 04690879
    Thank you, is there an example letter that I should write or should I just let rip?

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  4. #4
    Basic Account Holder bigegg Novitiate bigegg Novitiate

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    Default re: Credit solutions Phone calls -Advice please

    You'll get more help in the debt collectoricon's forum (I have flagged a moderator to have your thread moved), but the following should have the desired response:

    - HARASSMENT WARNING -
    WARNING; PROTECTION FROM HARASSMENT ACT 1997;
    WARNING; COMMUNICATIONS ACT 2003. s127.

    Telephone Number: {Your Telephone Number}
    Re: Harassment by telephone

    Dear Sir/Madam.

    I am writing in relation to telephone callsicon that I have received from your organisation, which I deem to be personally harassing. I have verbally requested that these calls stop, but I am still receiving call. I now require the telephone number listed above to be completely removed from your systems.

    I am in the view that your continued telephone callsicon put you in breach of the Protection of Harassment Act 1997.

    This is a private telephone line, operated on a contract with the intention of receiving and making personal phone callsicon, I have not authorised any other member of my family to receive calls from your organisation using this PRIVATE TELEPHONE LINE.

    By using this telephone number without my permission you are interferring with my ability to use my own private property for the duration of any call.

    It is my right to require that this telephone line, which is licenced solely to myself, is kept clear for my own personal calls.

    It is consquently my view that you are commiting the tort of interference with contract insofar as for the duration of each call you make to me without my permission, you are interfering with my contractual right to receive and make personal calls on my private telephone line.

    Continued interference with my contractual rights in this manner may result in legal action.

    If you continue to harass me by telephone, you will also be in breach of the Communications Act (2003) s.127 and I will report you to the Office of Communications, Trading Standards and the Office of Fair Trading, meaning that you may be liable for a substantial fine.

    Be advised that all telephone calls from your company will be recorded.


    Yours faithfully,


    Carpe Jugulum
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  5. #5
    Site Team The Consumer Action Group MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030 Highly authoritative MARTIN3030's Avatar

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    Default re: Credit solutions Phone calls -Advice please

    Thread moved.This is quite disturbing and you shouldnt put up with it.I will retitle your thread also.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  6. #6
    Basic Account Holder rippedoffagain Novitiate rippedoffagain's Avatar

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    Default re: Credit solutions Phone calls -Advice please

    How much money are you talking about?

    Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

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  7. #7
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    Default Re: Credit solutions Phone calls -Advice please

    Thank you for moving this to the appropriate forum

    Depending on if it's paypalicon (440) or NCO (624) - I have no idea how much CRS will demand!

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  8. #8
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    Default Re: Credit solutions Phone calls -Advice please

    Your late mothers 2nd husband can do without the hassle, Credit Resource Solutions Ltd, are listed as call centre activities, I would be tempted to give them a call in this instance. Try not to give them too much information, but I think you need to find out who is chasing you.

    Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

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  9. #9
    Basic Account Holder Percival Wigglesbottom Novitiate

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    Default Re: Credit solutions Phone calls -Advice please

    Here is a 'prove it' letter ..

    Dear Sir/Madam

    You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

    I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

    I am/we are familiar with the Office of Fair Trading debt collectionicon Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

    I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

    Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

    I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

    I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

    I/we look forward to your reply.

    Yours faithfully


    After that , perhaps a statute barredicon letter . I believe a statute barred letter should always be sent in the unlikely event that they can prove the debt is yours . It isn't really a case of wether it really is or not statute barred , but wether they can prove it isn't . If they pass the prove it and SB letter test .. then it is onto the usual CCA Requesticon etc . Do not send them ( SB /prove it) out at the same time , it is all about procrastinations and finding out what they know (before you commit yourself to fighting them , or to see if they are worth fighting ) .. and drawing them into making mistakes you can make complaints about at a later stage . A constant barrage of complaints is a good terror tactic to use on unsuspecting rearguard office staff , they want you to deal with their telephone monkeys . Instead you are plaguing them , and they don't like it .

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  10. #10
    Basic Account Holder bigegg Novitiate bigegg Novitiate

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    Default Re: Credit solutions Phone calls -Advice please

    It's a phenomenally BAD idea to phone ANY DCAicon unless you are extremely confident on the phone.

    It is VERY easy to be bullied, brow-beaten, intimidated or LIED to.

    If you are not 100% in control all the way throught the conversation, it can leave you feeling rotten for hours, and I, personally, don't recommend it.

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  11. #11
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    Default Re: Credit solutions Phone calls -Advice please

    Quote Originally Posted by bigegg View Post
    It's a phenomenally BAD idea to phone ANY DCAicon unless you are extremely confident on the phone.

    It is VERY easy to be bullied, brow-beaten, intimidated or LIED to.

    If you are not 100% in control all the way throught the conversation, it can leave you feeling rotten for hours, and I, personally, don't recommend it.
    Sorry, it is not a phenomenally BAD idea in this instance. The OP's elderly relative is being harassed by a call centre on a fishing trip.

    Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

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  12. #12
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    Default Re: Credit solutions Phone calls -Advice please

    I think bigeggs point was that there are better ways to do it-and keeping things in writing is the best way.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  13. #13
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    Default Re: Credit solutions Phone calls -Advice please

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  14. #14
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    Default Re: Credit solutions Phone calls -Advice please

    Quote Originally Posted by MARTIN3030 View Post
    I think bigeggs point was that there are better ways to do it-and keeping things in writing is the best way.
    I agree, but using what home address? He could use his step fathers, but that would invite problems for his stepfather, or he could use his own, that would give them the information that they seek. I believe he needs to find out who is chasing first.

    Please note: I give advice, in good faith, based on my reading and experience. Please satisfy yourself, that any advice given is accurate in content before acting upon it.

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  15. #15
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    Default Re: Credit solutions Phone calls -Advice please

    Yes I see your point.
    They are breaching OFT guidelines if they fail to make it known what the debt is for and the nature of their interests.....and also of course who they are.

    Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.
    Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.






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  16. #16
    Basic Account Holder bigegg Novitiate bigegg Novitiate

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    Default Re: Credit solutions Phone calls -Advice please

    And yet they are breaching Data Protection if they do... (To the step-father, that is).

    I, personally, would treat these calls the same as any other "nuisance" call - report to BT & police -
    Don't get involved in any sort of dialogue unless they get your correct address. (but don't give them it!)

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  17. #17
    Basic Account Holder Nitrowing Novitiate

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    Red face Re: Credit solutions Phone calls -Advice please

    First off, I have to thank all of you for the advice - it's fantatic that someone can come here and get this much help!

    Quote Originally Posted by bigegg View Post
    And yet they are breaching Data Protection if they do... (To the step-father, that is).

    I, personally, would treat these calls the same as any other "nuisance" call - report to BT & police -
    Don't get involved in any sort of dialogue unless they get your correct address. (but don't give them it!)

    I would like to follow this initially, how do I start this course of action? Is there a procedure?

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  18. #18
    Basic Account Holder bigegg Novitiate bigegg Novitiate

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    Default Re: Credit solutions Phone calls -Advice please

    Quote Originally Posted by Nitrowing View Post
    First off, I have to thank all of you for the advice - it's fantatic that someone can come here and get this much help!




    I would like to follow this initially, how do I start this course of action? Is there a procedure?
    Sorry for delay in response, life has got away from me recently...
    Give BT a ring on 150 from a BT landline, tell them you're getting nuisance calls.
    Then phone your local plod (there's an 0845 number for "non-emergency" problems) and tell them the same.

    Someone on here (cheekiness towards DCAicon thread, I think) recommends answering the phone with:

    "Good Morning, BT telephone harassment investigation department, please give me your full name, which company you work for, and your company address".

    They usually hang up after the word"department" and you never hear from them again (allegedly).

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