Credit Solutions Limited

[nomore12]

Credit Solutions Limited

 

 

Hello

 

I wanted some advices as im a bit unsure right now on this matter,

 

Basically cutting to the chase,

 

I sent Credit Solutions Limited a letter my Income/outcome and offered a £1 token payment per month that letter was sent on the 9th of February

 

Which I then received a letter on the 17th of February stating the following

 

WE are pleased to confirm your repayment of a £1 token per month for 6 months as this time the account would be reviewed

 

Says the first payment needed to be a Cheque so I sent that right away, so I thought great 6 months of a payment of a £1 was great due to I was paying £30 was clearly I couldn’t afford to do as it was like paying john to rob off to pay bob etc

 

But today I got an letter stating the following

 

Opportunity to Save 50% on your outstanding bill

 

We understand our CLIENT has previously attempt to contact you, but the above outstanding amount remains unpaid

 

It may be that your are currently experiencing financial difficulties to show their willingness to assist you in this matter, Our client is willing to make a 50% Discount on your account

 

Should you fail to pay we will request field agents to call upon you to collect the debt or to ascertain your financial circumstances.

 

Be advised the issue of court processing’s will increase the outstanding amount

 

Solicitor’s cost £80 + 120 Count Fee

 

 

1) ive not heard for the OC at all so the client has tried to contact you is rubbish

 

2) err yeah im a bit confused as recent letter says an agreement of 6months of a £1

 

Ive kept all letters and such for my records so I thought about just copying both of these letters and ask what happened to the Agreement of 6 months

 

Or is this just a basic letter what gets sent out which to me it seems they have jus basically ignored the 6month argeement which was set up and now heading towards court

Edited February 24, 2011 by nomore12

[alfwithhair]

Usual computer generated tosh.

Just keep paying your £1 and ignore.

They will not be taking any court action unless their so called 'client' says so.

Only the legal owner of the debt can initiate count action.

 

Who is the original creditor and what kind of debt is it?

 

You say you pain the first payment by cheque. How are you intending to pay further installments?

DO NOT set up a direct debit or give your debit card details to a DCA, they have been known to take amounts far in excess of that agreed.

 

Always use standing oders, internet/telephone banking or postal orders when dealing with DCA's

Even cheques are not advised, they have your bank details and more inportantly your signiture on them.

Never trust a DCA

[nomore12]

Hi

 

Thanks for the reply

 

original creditor is O2 contract mobile phone of £1500

 

Was hoping it was computer generated tosh

 

was recently paying £30 a month for about 5 months then requested it to be a £1 token payment due to not having that amount of money and trying to pay off other debts which they were happy to accept and to be reviewed in 6months

[nomore12]

Just an update

 

I can totally understand why people don’t like calling Debt collection companies

 

normally CSL are quite quiet on the phone calls so today I had a missed called from them, well I was going to ring them anyhow to make sure the Cheque £1 Token Payment got to them as I sent it a while back

 

Anyhow call was basically like this

 

The person on the other end of the phone was like oh the call was just about your £30 payment a month I was like errr your agreement was £1 token a month for 6 months and then to be reviewed

 

hes like NO SIR we know nothing of this we didn’t set that up?

Err you did?

No sir we did no such thing

 

Well that’s kind of funny because in front of me I have a letter from you stating that agreement and what the letter was sent and all the other information

 

Wish for me to go down the road letter and photocopy it and resend it back to you recorded postage

 

few seconds of pause on his end ..then started to be RUDE and didn’t care what I had to say.. his reply yeah £1 token received on blah blah so date… called ended

 

 

Charming I thought but ohwell.. if they cant be bothered to update they records correct then I can understand why people have so many problems with debt collection companies

 

 

Yeah maybe I could of handled it in a different way but how the call was going was trying to trick me into paying more so only thing what jumped into my mind was ive got the letter from you to prove it etc

[cerberusalert]

The CAG mantra is never speak to them on the 'phone, any contact should be in writing. In that way you have documentary evidence of what has occurred, otherwise as you have just learned, they will tell you any drivel that enters their head to try and get you to pay more.

[nomore12]

Yes you are correct,

 

Guess I was wanted to make sure they got payment as was due before Tuesday as didn’t want to break the agreement which was set up,

 

Well I didn’t pay them more anyhow as that would means me being short of food to live on

 

[cerberusalert]

Well I didn’t pay them more anyhow as that would means me being short of food to live on

If you can't afford to pay them then don't, they are a low priority debt. A roof, food, clothing and heating come first.

[MARTIN3030]

Agree.Dont deal at all ny phone.

Up to you,but personally I would just put something short and simple in writing which gives you a copy and proof that it was sent.

 

 

Dear xxxxxx

 

I refer to the above account,and my offer of repayment of xxx a month,which was accepted by you in a letter dated xxxx which I have a copy of.

 

Suffice to say,I was extremely concerned,to be contacted on xxxxxx and asked to pay more/questioning my failure to make repayment arrangements.

Clearly,there appears to be some communication problems.

I insist that all further correspondence is done strictly in writing and not by telephone,and expect you to uphold Ofiice of Fair Trading and CSA codes of practice.

 

Please forward me a copy of your complaints procedure.

 

Yours Faithfully

 

xxxxxx

 

 

Send recorded and keep a copy.

 

 

The purpose and importance of this,is that it puts YOU back in the driving seat,and they have no excuse to continue to flout the rules.

By asking for a copy of their complaints procedure,they will have no doubts that you are not playing games.

Edited February 26, 2011 by MARTIN3030

[nomore12]

Thank you so much

 

I did send them a letter with the payment basically saying can you reply with a letter to confirm you have got the payment

 

but seem they didn’t take much notice of that as ive got no such post from them

 

Thank you such much for the letter you posted above and all the advice,

 

I will save that letter to MS word and use it from now on

 

 

Many thanks guys for taking the time to read and all the advice given

[MARTIN3030]

Of course they profess to know this already;

 

Code of Practice Credit Solutions and power2contact

Where necessary, we comply with both the letter and the spirit of all relevant regulation, including:

 

• The Data Protection Act
  
• The Administration of Justice Act
  
• The Consumer Credit Act
  

We are also fully compliant with all voluntary codes of conduct and obligations which we must fulfil through our own activities or through those undertaken on behalf of our clients. These include:

 

• The Credit Services Association Code of Practice
  
• Treating Customers Fairly
  

[MARTIN3030]

I would head the letter FAO;

 

David Michael Leach Gordon James Wilson Harmeet Bansal William Hugh Pierce Steven Dunne

These are all named on their CC licence.

 

send to'

 

Credit Solutions Capella Court, 725 , Brighton Road, Purley, Surrey, CR8 2PG

[nomore12]

Also going to start doing a diary of everything first thing tomorrow morning once I got folders to store everything in so I can keep track of everything

 

Thank you once again I learn so much from this site

 

in my spare time I do read other posts and also learn a lot from them too so everything does help

 

Thank you for the advice once again:)

[nomore12]

Thank you,

 

That’s the address im using for the payments/letters

 

Thank you for the names ill fire a letter off to them and see what happens

[MARTIN3030]

Yes keeping a file with everything in is a good idea,

When you get your proof of posting -staple this to the letter you have sent-this means no problems searching if needed later.

[MARTIN3030]

Tesco do a pack of 5 coloured card folders for around £1-these are great for keeping these things in.

But you can find at Wilkinsons too.

No need to be splashing out on expensive files.

[nomore12]

Ah Thank you

 

I will pop in Tesco today as its only 15mins down the road from me

 

Was going to pop into pound land for cheapest stuff too so will have a look around Tesco while im there

 

Thank you once again your all so helpful

[victoria_siempre]

Hi nomore

 

Have a look at http://www.consumeractiongroup.co.uk/forum/showthread.php?292067-A-curious-quickie&highlight=curious+quickie

 

I have decide to make my token to the OC; for some reason I don't trust these clowns.

 

love

 

vic

[nomore12]

Thanks for that Vic,

 

I had a read of that last night and can see why you don’t trust them and to be honest,

 

 

Well was about to walk down the road to post the “”some communication problems”” Letter which Martin posted up for me

 

Just was about to go outdoors and got greeted by the postman here some letters from you so ah thought I would read them before going

 

letter from Credit Solutions Ltd,

 

 

 

FAILED DIRECT DEBT

 

 

of the £30 a month payment and goes on about the contact us in 7 days blah blah

 

1) I never paid that £30 by via Direct Debt so that’s a load of rubbish in the first place I had to ring them yes silly of me to call them but I as posted above I learnt the hard way

 

2) funny how when I was paying £30 it was paid on the 28th of each month then got moved to 1st of each month so I could keep track of people I was paying which they happily did for me and updated the account with a note saying that. And I never had a problem with the payment on 1st of each month

 

3) so from my point of view. Its a load of rubbish how the letter carries on and says I broke the arrangement Very strange that how it wasn’t due to the 1st of next month

 

4) a new arrangement was set up to pay £1 a token payment which I posted above

 

Now that is what makes me laugh this letter went sent on the 25th of this month and they got my new offer Token Payment of a £1 on the 23rd so seems they either cant read they account screen correct or really do have some communication problems

 

 

Now im just going to EDIT and ADD this to the LETTER Martin kindly posted up for me and post it to them which more LACK of communication problems with my account, so ill await the complaints procedure

 

Just got to edit it to my needs. If I get stuck writing it I may need some help

[cerberusalert]

Include in the letter that you do not authorise any DD and they are to remove your card details from their systems forthwith. Also contact your bank and tell them you have not & do not authorise any DD payments to that company. Make sure your bank does not charge you for the failed DD payment.

[nomore12]

Thank you will add that to the letter,

 

I did speak to the bank regarding direct debts and cancelled all of them and informed them that I don’t want any direct debts set up on this account due to fees and failed payment fees.

 

due to being in debt and fees would just make it worse etc did that a while back once I started to sort out my debts and got a different bank account

 

Just checked online banking and seems ive not been charged no failed payment fees so hopefully be okay on that side of things

[MARTIN3030]

Good.

The bank is obliged to honour your instructions or faces breaching the lending codes.

Online banking is a very good way of monitoring DDs and SO's and of course allows you to cancel them yourself.

[nomore12]

 

You say you pain the first payment by cheque. How are you intending to pay further installments?

DO NOT set up a direct debit or give your debit card details to a DCA, they have been known to take amounts far in excess of that agreed.

 

Always use standing oders, internet/telephone banking or postal orders when dealing with DCA's

Even cheques are not advised, they have your bank details and more inportantly your signiture on them.

Never trust a DCA

 

Somehow I totally missed this part in your post so Sorry

 

must of been because I was a little stressed due to that silly phonecall

 

In the letter i posted to them I requested for the compaies bank Details so i can pay VIA Standing Order

 

Still awaiting a reply for that one though if i hear nothing then ill pay VIA postal orders