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Credit Resource Solutions - pestering my mother.


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Hi, I hope someone can help or shed some light on this.


For the last few weeks my mother has been receiving threatening text messages from a company called 'Credit Resource Solutions', demanding that she call 'Sarah' over an apparent debt, or they'll carry out 'action' or visit our home. They provide a reference number beginning with 'SWNT*******' but in several of the texts the last digit is different despite identical wording.


This worried her because only family and friends have her mobile number - she never lists it as a contact number for anything important - and she has debts, but all known ones are currently being paid or in the process of being resolved. There have been no letters, either - frankly I'd expect any real or reputable DCA to make contact via post rather than text.


So I did some checking, and CRS and these same messages are listed in several places as being a [problem].


Which was something I was more than happy to believe until they started ringing last week. My Mum won't answer calls from unknown numbers on her mobile, so when they last called I did. They demanded to speak to my mother, wouldn't give me any information when I said I was authorised to speak on her behalf, and said she needed to call them at CRS.


No calls since, and no response to my e-mails to them asking what this 'debt' was pertaining to, which still leads me to believe they're trying to pull off a [problem].


I'm asking for help here because today they sent a message to my Mum saying they would pass on her case to 'H L Legal' if she didn't call them immediately. I told her not to, as it still looks like a [problem], but it's beginning to seriously scare her - she's been ill recently and is stuck inside, and now terrified that someone will force entry and remove our belongings.


Is this anything we should be worried about? Or are they simply [problematic]?


Thank you for any help anyone can provide.

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Guest Cartaphilus

Some more here about this '[problem]'.




However, and welcome BTW before I forget but I'd have no contact with them. You have read it could be a [problem], and from what I am reading it would seem like they are 'fishing' so the more contact you have, the more they will come back to you. I would leave it alone until you either have more in writing ie something solid and then, if necessary, come back here and post it. Until then, I would maybe just ignore them.


The next piece of advice: your mother is already doing the right thing by not answering their calls and I have to say using witheld numbers ... you can complain about this under the Misuse of Telecommunications Act and Protection from Harassment (I can't remember the exact Acts but they come under those) to someone like Consumer Direct.


If they are genuine that should quickly become obvious when they put something in writing. It's fairly common for a DCAs initial approach to be the phone. So, personally, I'd wait to see if they write but also complain to Consumer Direct for their aggressive approach using witheld numbers.


Edited - Oh, of course, the thing about witheld numbers is ... they could be anyone phoning, really, couldn't they? So, if it is a [problem] ...

Edited by Cartaphilus
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Guest Cartaphilus
she's been ill recently and is stuck inside, and now terrified that someone will force entry and remove our belongings.


Hello guests before I continue with posting ... So who is going to force entry? HL Legal? Don't think so. You've already said you think it is a [problem] or have read it is.

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she's been ill recently and is stuck inside, and now terrified that someone will force entry and remove our belongings.

Is this anything we should be worried about?


Absolutely nothing to worry about, I know it is easier said than done but really, they cannot do anything.

As for anyone forcing entry and removing goods, the ONLY person that will do this is a THIEF, so if it happens then 999 is the only number you need.

CRS are a tin pot DCA and you MUST report them for their lousy childish efforts to intimidate your Mum.

Firstly complain about them to:http://www.csaconsumers-uk.com/page/i-have-a-complaint as they are members of the CSA.


You can have a look at their hilarious thoughts here http://www.creditresourcesolutions.co.uk/


Once you have finished laughing at them, because that is all they really are, ONE BIG JOKE, complain further to the OFT&TS via http://www.consumerdirect.gov.uk/contact


Don't ring them ever, unless your confident in baiting them.

Just continue to ignore the fools, and file their letters, including the envelopes, under ignore.

If they ring, just hang up, or laugh then hang up, they really cannot do ANYTHING, they are NOT Bailiffs, they may like to threaten that they will do this and do that, but in reality, your postman has more legal rights and know how than this outfit.

The ONLY people who CAN take legal action is the Original Creditor (OC) or the person who legally owns the alleged debt. And for bailiffs to be used, they first have to take you to court, they then have to obtain a CCJ, you then have to fail to pay toward that CCJ, they then have to go back to court and apply to the Judge for COURT CERTIFIED BAILIFFS to attend the property, and even then you DO NOT have to let them in.


As you can see, there is an awful long time before they can actually do what they think they can, tell your Mum not to worry especially where these chancers are concerned!

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!



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Guest Cartaphilus

I'd certainly be glad to phone the police if any of these muppets showed up on my doorstep. I'd be more than obliging. :)

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