Jump to content

You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

BankFodder BankFodder

 

BankFodder BankFodder


vtrn

Credit Resource Solutions

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4031 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

A Debt Collector called Credit Resource Solutions got in touch with me last year about a debt owed to a Payday Loan Company. For the first couple of months I tried to avoid them, but eventually got a payment plan in place.

 

That payment plan was kept in place for about 8 months until recently I lost my job. I have been in touch with them by letter to explain the situation and was told to send in the usual Income and Expenditure forms etc, which I did only to be told there was no chance they would accept the offer.

 

I explained to the person at the end of the phone that it was a pro-rata offer, which would be exactly the same if it either went through a CCJ, CCCS, Payplan or Citizens Advice and to that they said just because I offer it doesnt mean it has to be accepted by them and they cut me off.

 

I have since been in touch again with them and now I have had to send off a full letter explaining the precise reasons why I have been made unemployed, a full income sheet and a copy of my benefits letter.

 

I have a nasty feeling they are not going to budge and as I was writing this a text voice thing came through on my home phone explaining that CRS are going to visit my house in the next 48 hours.

 

Can anyone advise how to deal with these people, surely to god they cannot be as bad as I am making out?

Share this post


Link to post
Share on other sites

does anyone actually reply on here?

Share this post


Link to post
Share on other sites

Patience, patience.;)

 

Ignore their petty threat of a visit. They have absolutely no more right to visit you than I do.

Stop talking to these clowns over the phone, keep everything in writing, that way then you have a paper trail of evidence.

If they ring you again, just tell them 'everything in writing' either keep repeating it, or just put the phone down. They'll soon get the message, also don't answer any of their laughable 'security' questions! They wouldn't know security if it hit them in the face.

 

The letter template to use when they threaten a doorstep call is >'here'

 

The telephone harassment letter template is >'here'

 

There is also a link and advice regarding payday loans >'here'

You might like to start a new thread in that forum and others in the same boat will be able to advise you better!:D


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

Share this post


Link to post
Share on other sites

I'd second that

Share this post


Link to post
Share on other sites

Just wondering if maybe you could sent a CCA to Credit Resource Solutions? I dont know if payday loans are covered under the cca maybe someone with better experience could advise?

Share this post


Link to post
Share on other sites
Just wondering if maybe you could sent a CCA to Credit Resource Solutions? I dont know if payday loans are covered under the cca maybe someone with better experience could advise?

 

how much do you owe them

 

if anyone comes to the door do not even confirm your name just tell them that you will not discuss the matter with them and as you close the door tell them you will immediately ring the police if they dont leave

 

(however if you are a big guy or you have a son etc who is a big guy) then tell them if they dont leave your property at the first time of asking they will be ejected using whatever amount of force is necessary(

 

now write again and enclose a copy of your I & E sheet and the offer you have made them

 

enclose the first payment and state that this is the payment you intend to make and that is the end of the matter unless they wish to take you to court (trust me - they won't).

Share this post


Link to post
Share on other sites

 

now write again and enclose a copy of your I & E sheet and the offer you have made them

 

enclose the first payment and state that this is the payment you intend to make and that is the end of the matter unless they wish to take you to court (trust me - they won't).

 

I wouldn't bother re-sending the I&E - they are NOT entitled to this information. Only a judge can make you do this. However, do as suggested - send them the first payment and basically tell them to accept it or take you to court. As you are unemployed, a judge would order you to pay back, possibly, £1 per month. In fact, that's all I would send them......they can like it or lump it until you have the means to pay them a larger instalment. Send a postal order if possible - do not make a payment by debit card over the phone (can't have them grabbing your bank details), and do not send a cheque signed by you (just a little hint there). Send the payment by recorded delivery, keep a copy of the PO number and do not sign any letter you enclose with the payment ;)

 

I think they may be covered by CCA as it is a loan (of sorts), so they must have a credit licence. Of course, that is just my presumption, and may be entirely wrong. However, as this was taken out after April 2007, I would guess any agreement would be pretty watertight.


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Share this post


Link to post
Share on other sites
I wouldn't bother re-sending the I&E - they are NOT entitled to this information. Only a judge can make you do this. However, do as suggested - send them the first payment and basically tell them to accept it or take you to court. As you are unemployed, a judge would order you to pay back, possibly, £1 per month. In fact, that's all I would send them......they can like it or lump it until you have the means to pay them a larger instalment. Send a postal order if possible - do not make a payment by debit card over the phone (can't have them grabbing your bank details), and do not send a cheque signed by you (just a little hint there). Send the payment by recorded delivery, keep a copy of the PO number and do not sign any letter you enclose with the payment ;)

 

I think they may be covered by CCA as it is a loan (of sorts), so they must have a credit licence. Of course, that is just my presumption, and may be entirely wrong. However, as this was taken out after April 2007, I would guess any agreement would be pretty watertight.

 

normally i would agree with you but as they have already been sent the I & E re sending a further copy does not harm but does ensure that they cannot claim to have lost the first one

Share this post


Link to post
Share on other sites

True.....


:)I am not an expert, but I can give good advice about Brighthouse:)

 

Am learning more and more about DCA's too :)

 

I have no legal experience and all advice given is based on the knowledge I've gained from this site.

 

<------If you think I have been helpful, please feel free to tip my scales - remember to put your CAG name though!

Share this post


Link to post
Share on other sites

I have already CCA'd them last year as with all my debts. They said no so an arrangement was made with them, which i have had to alter because my circumstances have changed. This is what all the trouble is over now.

Share this post


Link to post
Share on other sites
I have already CCA'd them last year as with all my debts. They said no so an arrangement was made with them, which i have had to alter because my circumstances have changed. This is what all the trouble is over now.

 

Surely if this is a credit agreement it is covered by the Act, and if so is subject to the same rules?

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...