Hello,

I have the following issue and was wondering if someone could help me figure out what I should do:

CRS (Credit Resource Solutions) are txting me every day regarding a very old debt (but not older that 6 years) to a payday loan company Pixie Loans.

They only text, never call and I never received any letters via post,

I think they don't know my address as I have moved.

They are threatening with court actions and CCJs.

And told me that they have sent me a letter but I never received anything apart from regular texts.

Is there anything they can really do,

can they really take me to court if I have not received any official letters via post?

I was thinking of sending them a letter and asking to do everything only in writing

but at the same time if they do not know my address and my email address

- I do not want to give them that information.

And sending a letter without a return address doesn't seem to make sense...

Not sure what to do in this case.

Are these texts enough to get me a CCJ?

should I reply?

Send a cease and desist letter read up on harrison vs link. Also inform the regulator.

Also can you give more info surrounding the debt so we can advise on that part of your issue.

Thanks for replying!

I am very bad at all legal stuff, what is a cease and desist letter?

Regarding the debt - there's not much to say... About 3 years ago took out a payday loan for around £300 (don't remember exactly) and was not able to pay it back as I lost my job at the time and had to turn to my parents for financial support. I was a bit stupid and didn't contact Pixie Loans to tell them my circumstances charged and I just kind of left it like that...

Pixie Loans never contacted me themselves, I have not received any letters from them until recently started receiving txts from CRS with reference to pixie loans...

Does CRS use the same number? Can you block it? Or are they in breach of regulation and law by using multiple different numbers?

They are using different mobile numbers every time, so I can not block them!

Then you need to get complaining. They are NOT allowed to do that at all.

Ok, how and who do I complain to? (I'm only 21 years old and never really been in a situation like this before...)

Also, would you know if are they still able to take me to court without me having an official letter from them? I mean, can they take me to court if I change my number for example and they can not reach me?

simply ignore them

they are a DCA and are NOT A BAILIFF

and cant do anything to you

who are they stating is their client?

They are just stating a reference number over txt that starts with PIXIExxxxxxxx.

They are not a bailiff yes,

because i do not have a ccj yet.

But I am scared that they will take me to court,

get a ccj and then will send bailiffs...

I am just wondering if i should send them a letter and expose my current address or not do anything and hope they wont take legal action?

they are not a bailiff even if they get a ccj.

they have no more powers than you or I

if someone owes us money

all we can do is issue a court claim.

THEY CANNOT get a CCJ

only the owner

check your credit file

see who owns it

dx

Forward the text messages to 7726 (spam) on your phones keypad, this is sent to your operators system, which is then sent off to the ICO for any legal action they may choose to take.

Does your credit file have your correct address on?

Be very careful about not keeping that up to date, as they 'may' get a CCJ by default.

I would imaging that what you owe is inflated with all of their fees and charges and extortionate interest rate.

Oh, I never even checked my credit file or my credit score and have no idea what address is on there... I mean by bank has my correct address as well as the HM Rev office, so I just assumed that's enough.

Will check my credit file then now i guess...

about time you did.

whatever address is on your credit file as to where you are now is immaterial.

its them not being informed in writing of a move that the important bit

else backdoor CCJ's will be sought

its better NOT to totally ignore fleecers if whatever debt they are chasing was taken out at a previous address and that you've not informed them or their clients or the OC previously of a moved.

dx

Changed my address to the correct one on my credit file, so all should be in order now.

There are 3 addresses there for the last 4 years so I think if they would start anything against me it would be visible on my credit file?

There's not even a default there for this ...

well that sorts your credit file...

but NOT that you have by letter informed your debt owners of your correct address

so DOES NOT protect against a backdoor CCJ.

so who is shown as the owner of this debt CRS are chasing for them?

That's the thing, no debt of this sort is shown on my file at all, which is weird because I know i definitely didn't pay back this one pay day loan

so the address that you were at, at the time of the loan is showing though?

Yes, the address is there, but no record of that loan.

Could it be older than six years?

Nope, not older than 4 years, so all very strange

I think id be sending them a CCA request

dx

Take a look in my signiture - See if the PDL IRR LEND Guide applies to you. Its been updated