I'm lost for words on how much G&J Credit Solutions helped me. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! This means that you are buying something that requires your initiative. Malvern, WR14 3HA. This should be a class in High School or College. Our community is ready to answer. NOTHING in any of those documents said I was the owner of the debts. Credit Solutions Limited won’t give up chasing you for the debt until they’ve exhausted all of their legal options. In their report into mental health and the credit industry (Walker et al, 2012) researchers from Brighton University concluded: “Debt clients frequently feel humiliated, disconnected and entrapped, with the process of debt collection having a clear impact on people’s mental health”. Credit Solutions Limited cannot issue an arrest warrant or have you sent to prison. Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. To make a complaint about Credit Solutions Ltd Debt Collectors, you can use this online complaint form. You seem to be confused about our program and about credit scores in general. The letter doesn't give any info about the debt, but just threatens further action if not paid, giving a payment date of yesterday. Our program does not "help you with your vantage score", and this statement doesn't even make sense. DISMISSED! This company gives you the tools to apply and succeed. It all started by me doing what Mike said, simply ask, show me proof that this debt is mine and that you are the rightful owner. Trading address: Our mortgage, which had been paid off 10 years ago, was dropped off the bureau reports. You’ll recognize the factors that can increase or decrease your score. Frequent threatening and sometimes sinister letters are another common practice. (and how to hide! Many debt collection agencies are independent businesses; some may also be a business arm of a creditor such as a credit card company (sometimes hiding their real identity – see below); there are even individual sole trader debt collectors. It's very easy to cancel the $1 trial and no additional cancel fee is required which is consistent with what is advertised on their website - I have confirmed this myself as a customer. By Understanding how debt collection agencies operate can help you defend yourself against them. According to the debt support trust, almost half of people who struggle with debt at some point consider suicide, and it was recently reported that a coroner raised concerns over debt-collection agency’s practices following the suicide of a debt-ridden courier. Now what do I do? It is quite likely that the original debt, if there was one, has been inflated by various charges and interest. The information that I gained, I've never knew existed (Business Credit, you actually need that? Using Mike's info I went through the 92 pages, yes, 92 pages of documents looking for gaps in the chain of custody, missing documents, etc...Let me tell you, these collection agencies rely solely on intimidation. The lesson here is if you are able to be strong and stand up to threats from Credit Solutions Ltd Debt Collectors, knowing that their threats are empty, you can to some extent turn the tables. Mike K., I phoned UK Credit Ltd who instructed they ONLY do guarantor loans. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house. 2.6. You’ll understand the importance of your credit, and how it can impact almost every part of your life. Ask a question about working or interviewing at Pastdue Credit Solutions. The tips Mike gives are good as well. You will save many times the cost by knowing all the rules. They do have very responsive and quick customer service and have no problem refunding your money. If you really do owe the money, then the road of least resistance is to repay the debt if you are able to do so, but if you can’t afford to repay it, or if doing so would prevent you from servicing more important credit such as your rent or mortgage, then try to make some arrangement with Credit Solutions Ltd Debt Collectors, perhaps offering them a partial repayment. They are scam artists, Do not change your credit report with the credit bureau's. Calico Rock, AR, Verified Reviewer. However, Credit Solutions is also a trading name used by Arvato Financial Solutions Limited which is authorised and regulated by the Financial Conduct Authority under registration number 708669. Credit Solutions Limited is no longer trading, but when is ceased trading it was not one of the debt collection agencies used by HMRC. I’ll explain why you might not need to pay them back! Sometimes if you do pick up the call is silent; the calls are simply being made to intimidate you. Act proportionately taking into account debtors’ circumstances. 1 3. Based on 8 reviews. 75 replies 122K views xPollyx Forumite. MoneyNerd is a trading name of MoneyNerd Limited, registered in England (12915403). I am thankful. If you have been taken to court you will have received a County Court Judgement letter. I would only recommend to people who have bad credit 600 or less. You cannot go to jail for debts owed to debt collection agencies. 2.8. Certainly, you can stop their bullying and by reporting them to the Financial Ombudsman they may even lose their licence. I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Credit Solutions Limited was struck off in January 2020. According to the Better Business Bureau (BBB), Credit Corp Solutions, Inc. is a legitimate debt collection agency founded and incorporated in 2011 in Utah. I paid $47 for the Credit Solution Program and received all the promised eBooks online in my account. If you run into any problems, their FAQ is fairly detailed. Credit Solutions Limited are not bailiffs. Since that is the goal of our program and you didn't need that help, it's not surprising that you were unhappy with your purchase. When my days in court came, one collector never showed up. Tally Review: Can It Help Pay Off Your Credit Cards? I called for a reimbursement and emailed the agent. Sure beats collection notices and phone calls. They likely have bought your debt for cheap from a company like Capital One, MBNA, O2, Paypal, eBay or another loan company. Call Us Write to Us Email Us. The total process is designed to eventually wear you down, to break your will so that eventually you will make a payment. You indicated in your support email that you already have a credit score in the excellent range. If you submit your details, the advice you will receive will be free of charge. The company was struck off in January 2020. TEXAS -- My experience with this debt resolution company has been a nightmare. I even received two subpoena's to appear in "collections court." By You’ll implement a strategy to keep your credit score high. Overall rating. They likely have bought your debt for cheap from a company like Capital One, MBNA, O2, Paypal, eBay or another loan company. AMERICAN CREDIT SOLUTIONS Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported ... American Credit Solutions ripoff, scam artists Tampa Florida . According to the Credit Solution Program Website, their primary goal is to provide you with solid information and actionable advice about credit, debt, and personal finance-related topics, using informational and engaging books and other training products. ), Credit Solutions Ltd Debt Collectors and the law, Understanding how Credit Solutions Ltd Debt Collectors operates, Credit Solutions Ltd Debt Collectors Contact Details, Embarrassing you by talking to third parties, Can Debt Collectors See Your Bank Account Balance? Is all this information starting to feel overwhelming? So, if you’re the kind of person who doesn’t have a track record of being actionable about financial advice, spending $97 isn’t the best choice considering you could get the information for free with a little work. That is a clear case of deceit, though they are likely to claim that this information appears in the small print. If any of these questions relate to you, don’t panic! Thank you so much. This company has claimed this profile, is getting alerted on any new customer reviews entering this page, and may engage in dialogue with its customers to address their matters. LOL. I went back to Loan Solutions and was told "this is your option". Pastdue Credit Solutions. At this point, you have no obligation to buy the Credit Solution Program. Furthermore, Credit Solutions Program is information-based. One day I noticed I had dropped to 798 and 794. If you are passed to an Insolvency Provider these will only be Licensed and Authorised Insolvency Practitioners. Finally, I'm a little confused about why you signed up for our program to begin with? Find your best debt solution (in 1 minute! Scam artists! Read employee reviews and ratings on Glassdoor to decide if Pastdue Credit Solutions … A debt can be too old to collect from you. After fees were paid, not a peep from anyone. Oklahoma, Verified Reviewer. No showed once, lied about having a settlement from the court. You might be tempted to simply not answer calls from Credit Solutions Ltd Debt Collectors, but when this happens agencies often employ automated call technology that will attempt to phone you say every half hour until you do eventually answer. Standing up to Credit Solutions Ltd Debt Collectors requires a degree of strength and courage few people possess. 3 days later Verbally Loan-Solutions.co.uk said a lender has come forward and 'may' want a guarantor "but this is highly unlikely'. While it’s not as simple as just refusing to pay, you can reduce the amount you must repay and spread your repayments over a period you are comfortable with. All Rights Reserved. the credit solution is not a scam nether is the credit report you can get the report anywhere for free if you choose to continue the service of that company it is on you. Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money. As we have seen, debt collectors such as Credit Solutions Ltd Debt Collectors are relentless and their behaviour could be responsible for mental ill-health and even suicide. If this happens to you make a note the frequency of the calls. The Credit Solution Program is a credit repair course that claims to give you an “action plan” for improving—and maintaining—your credit rating. And received all the promised eBooks online in my account on 5/13/02 other debt Solutions and housing counseling.. Advice and cleaned up some stuff that didn ’ t panic credit Ltd instructed. To debit $ 199.95 from my account on 5/13/02 longer legally allowed to chase a debt collecting in., several credit-builder credit cards, and 3 major credit cards to 85 % of life. Is by phone on 0800 023 4567 or 0300 123 9123 money you be. Of debt collectors is in clear breach of the credit Solution program broker authorised by the advisor Mike! 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