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Maternity query regarding the con-men/women that are Credit Solutions!!!


horw
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Hi

Just wondering if someone could help or give me some guidence in relation to consistant hassles from Credit Solution's Ltd. I will try and cut a long story short!!!

A couple of years ago a was left in a load of debt due to a very sly ex of mine!!! All credit and loans were in my name, when he went i was left to pay them all which i could not do and 90% of the debt got passed ot debt management companies blah blah. All but one of the companies accepted my letter from the CCCS accepting lower payments accept for the lovely Credit Solutions Ltd who even then, gave me a hard time.

My account with them was reviewed every six months when they would write to me or phone me and ask me to make an increased offer (however, no other company does this and they seem quite happy for me to continue making the agreed payments and they leave me alone). I ALWAYS increased the payment by £5 every 6 months afraid that if i didnt, they would take further action.

 

At the begining of the year i had an answering message from CSL on my mobile for me to phone them and assumed it was to make an incrased offer as the review of the account was due. I called them happy to increase the payment again by £5 when i was rudly asked to pay off the o/s balance as i had 'missed'a payment. Eventually got to the bottom of what happened and even tho they wouldnt offically admit it in writing, they had cancelled my agreement with them without me knowing and i then missed one paymet which then gave them the right to request the full o/s balance from me. To say the invidual i spoke to was rude was an understatement and he said quite a few things to me which i thought were below the belt so i decided to take the matter further and refer it to the Credit Services Association (dont bother) how i thought would look into the matter as an indipendant third party. How stupid i was, they passed it back to Credit Solutions to look into, needless to say they found they were not in the wrong!!! Whatever.:mad:

Does anyone think this can still be taken further as i felt the cancellation of the agreement without my consent was unlawful??? Also, i was advised by CSL to take out aother loan secured against my house to pay the outstanding balance of the loan with them!!! The CSA found nothing wrong with this???? :-|

 

Also, received a letter from them this weekend because the once 6 months review which is now three month review was due.

Phoned them today to increase the payment and even though i have made my normal monthly payment to them within the last 5 days, they asked me to make the new payment i offered to them by card today!!! which i declined and advised that they could amend the monthly payment when it is due next month.

I am 30 weeks pregnant and due to leave work and go on maternity leave in the next 6-7 weeks and thought out of courtesy i would let them know this and advise that i will be on maternity leave for approx 6 - 9 months depending how the finances go and that once my maternity drops to the lower Statatory Maternity Pay of £112 per week i will not be in the position to INCREASE my payments until i return to work. I thought they may appricate the honesty and give me some indication whether this would be acceptable. HOW WRONG!!! The girl i spoke to who claimed to be a 'accounts manager' told me that the account will be reviewed in 3 months time and she couldnt say it this point if this would be acceptable.

I told her i would rather get something sorted today as i really dont want to be dealing with this on maternity leave but again gave nothing away and said it would be reviewed at the time??? THESE PEOPLE CANOT THINK OUTSIDE THE 'GIVE US YOUR MONEY' BOX.:confused:

So.... does anyone know where i stand legally as i am not telling them i will not make the payment, all i am saying is that i will not be able to increase the payment!!!

Sorry its so long but wanted to make people aware of what uneducated people and bullies these people are!!!

I be grateful of any advice!!

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Does anyone think this can still be taken further as i felt the cancellation of the agreement without my consent was unlawful??? Also, i was advised by CSL to take out aother loan secured against my house to pay the outstanding balance of the loan with them!!! The CSA found nothing wrong with this????

Ask CSL for a copy of their complaints procedure. They obviously won't resolve your complaint, but once you have been through this procedure you can make a complain to the FOS who can then pursue your complaint (and charge CSL a minimum of £400 for the pleasure).

HAVE YOU BEEN TREATED UNFAIRLY BY CREDITORS OR DCA's?

 

BEWARE OF CLAIMS MANAGEMENT COMPANIES OFFERING TO WRITE OFF YOUR DEBTS.

 

 

Please note opinions given by rory32 are offered informally as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.

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