Do you owe money to Citysave Credit Union Ltd?

If you have debts of over £5000, you may be able to write off your debt with an IVA

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Citysave Credit Union Ltd

Citysave Credit Union Ltd is a creditor which are known to support IVA applications.

Their company number is 2449534.

The company was incorporated on 2014-05-08.

The last known active director is called Mr Graham Cowan.

You can telephone Citysave Credit Union Ltd on 0121 616 6200 .

Their address is Citysave Credit Union Ltd
PO Box 17038
B2 2BQ .

Their web address is

If you would like to receive debt help for money owed to Citysave Credit Union Ltd please contact us by clicking Get Started for Free above.

Do you need help with Citysave Credit Union Ltd?

Are you receiving letters from Citysave Credit Union Ltd? Are they sending letters to your home address or your place of business? Do Citysave Credit Union Ltd send you text messages or bombard your home phone and your mobile phone with calls at all different times of day? You may even notice that Citysave Credit Union Ltd call you from a number of different phone numbers, some may even display as local phone numbers to where you live.

Will Citysave Credit Union Ltd come to my house to collect debts?

Citysave Credit Union Ltd may have appointed field agents to make home visits to discuss the alleged debt. These visits can be very distressing not only for the person who is the named debtor, but for the entire family. These methods can have a detrimental effect to your mental and physical health, and to the people around you.

These are all very common tactics which Citysave Credit Union Ltd use to get in touch with the people who owe them money. Without appointing a debt company to represent you, this may continue.

As a long-established independent debt website, we have a vast experience of dealing with creditors such as Citysave Credit Union Ltd. We understand the tactics that they use, and we can work with you to get them to stop.

How will Citysave Credit Union Ltd chase me if I don’t pay?

Creditors such as Citysave Credit Union Ltd use computer systems (often known as customer relationship management systems) to keep on top of their debtors. They often follow a debt process which will make them the most profit. These methods are often seen as aggressive and you may have seen documentaries and news articles criticising the heavy-handed nature of debt collectors and bailiffs. Although the Government have come some way to reduce their powers, the main tactic continues: intimidation.

The first point of contact which Citysave Credit Union Ltd may use will be an introductory phone call and letter. This is to set out their pre-action protocol. You will usually receive (in writing) a letter explaining the total amount of debt owed, any charges/penalties which may have been accrued and a tight deadline for you to repay the debt in full. The letter will usually mention what steps will happen if you do not pay the debt in full. These steps are usually:

  • A home visit
  • A county court judgement (CCJ), issued by Citysave Credit Union Ltd if you fail to repay the debt within this tight deadline
  • A threat of bankruptcy (usually if the debt is over £750)

Letters like this are very standard with every credit provider and not just Citysave Credit Union Ltd. It is important to not take these letters personally. There is help at hand, but you should act quickly.

Citysave Credit Union Ltd may be persistent with phone calls. Phone calls are an effective method of collection for creditors as they recruit advisors who are experienced in applying pressure (to sometimes vulnerable) customers. The main phone number that Citysave Credit Union Ltd will call from is 0121 616 6200. But as we said previously in this page, Citysave Credit Union Ltd may regularly use different numbers to call you from which are not usually advertised. This is so they get a higher success rate (contact rate) when calling debtors. If you do receive a call or like this from Citysave Credit Union Ltd, it is important to keep calm and level-headed.

If you have been contacted by Citysave Credit Union Ltd, contact us immediately and we will try to deal with them on your behalf.

How can we help?

When you first contact us, you will notice that all of our employees are vastly experienced in dealing with creditors such as Citysave Credit Union Ltd. As one of the largest debt websites in the United Kingdom, we pride ourselves in dealing with a high amount of debt related queries in an empathetic, effective and speedy fashion.

We request reviews from every single customer who we help, some of them have given very detailed feedback on how we have helped them and how it has completely changed their lives (in a very short space of time). So please check out these reviews and see for yourself!

We deal with a variety of debt solutions and a wide range of debt companies. This means that you will always find the best debt solution for yourself, without exception. As we are not tied to any one particular company, we can work hard to ensure you repay the very minimum that you need to.

What rights do Citysave Credit Union Ltd have?

Any company which chases customers for outstanding debts have to follow a very strict code of conduct. In our opinion, this still needs to be tightened up as it seems to rely on intimidation. This is usually demonstrated by the field agents who visit your home. The field agents are usually male, large in stature and they try to command authority with their tone of voice and actions.

But in reality, companies such as Citysave Credit Union Ltd are only interested in collecting as much money back in debts as they can. The welfare of the debtors is usually the last thing on their mind.

Citysave Credit Union Ltd can exercise the following rights:

  • Citysave Credit Union Ltd can send letters to addresses where they think that you live, including new addresses which you have not provided to them
  • Citysave Credit Union Ltd can call you on phone numbers which they believe you to have access to
  • Citysave Credit Union Ltd can visit you at your home, or appoint representatives to visit you at home
  • Citysave Credit Union Ltd can add charges, interest and penalties in accordance with the original agreement you entered into
  • Citysave Credit Union Ltd may have the “right to offset”. This usually happens in situations when you have a debt with a bank, but you may also have money held within that same bank (for instance a credit card and a current account)
  • If you do not pay on time, Citysave Credit Union Ltd may register a default on your credit file. This sometimes happens very quickly, but you should be given notice of this upfront. If a default is registered on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
  • Citysave Credit Union Ltd can apply for a county court judgement (CCJ). If a CCJ is registered on your credit file, it has a very negative effect on your credit rating and your ability to gain credit in the future
  • If your debt with Citysave Credit Union Ltd is over £5000, they can issue a statutory demand. This is usually the first step in petitioning for your bankruptcy. You would need to appoint a legal representative (usually a solicitor) to represent you in these circumstances.

What rights do I have against Citysave Credit Union Ltd?

As a citizen of the United Kingdom, you are given certain rights to protect you and your family’s wellbeing.

  • Citysave Credit Union Ltd can not harass you. They contact you as many times as they want as long as this is ‘reasonable’. This does not have any solid definition but be assured that this means that you should not feel harassed by Citysave Credit Union Ltd. You cannot use this as a defence to avoid repaying your debt. You can ask that Citysave Credit Union Ltd only contact you in writing, but if you do this you must make sure that you are responsive to these letters.
  • Citysave Credit Union Ltd cannot speak to your family, friends or neighbours about your debts. This is in line with UK data protection laws.
  • Citysave Credit Union Ltd cannot pretend that they have powers which they do not possess. In the past creditors have used documents which look like official court document. A law has passed to prevent this happening now.
  • Citysave Credit Union Ltd cannot be threatening, abusive or tell lies to collect debts.

If you are worried about Citysave Credit Union Ltd, you should contact us immediately by calling the number on top of this page, or by clicking “Get Started for Free”.

This debt isn’t mine, what can I do?

If you are being contacted by Citysave Credit Union Ltd and you genuinely do not know why, then you can ask them to prove that you owe the money. This doesn’t slow down the collection process or stop any further action. But if the debt is genuinely not owed, then it can be set aside (in the event that it is a mistake).

When should I use this letter?

You should use this letter if you fit into any of the below situations:

  • If the letter is addressed to someone else but you are being chased for the debt
  • The debt is over 6 years old, and therefore they can not effectively collect it (status-barred)
  • If you know you have paid the debt, but you are still being chased for it
  • If you don’t think you owe the debt

This letter is often called a “Prove-It” letter or a “Prove the Debt” letter. Please find below a template of a letter which you can use in this event.

Dear Citysave Credit Union Ltd

I am writing in response to a letter from you dated [dd/mm/yy], a copy is attached.

I would point out that I have no knowledge of any such debt being owed to CREDITOR

I am familiar with the Consumer Credit sourcebook of the Financial Conduct Authority (FCA) which states the following rules.

“A firm must not ignore or disregard a customer’s claim that a debt has been settled or is disputed and must not continue to make demands for payment without providing clear justification and/or evidence as to why the customer’s claim is not valid.” 7.5.3

“A firm must suspend any steps it takes or its agent takes in the recovery of a debt from a customer where the customer disputes the debt on valid grounds or what may be valid grounds.” 7.14.1

“Where a customer disputes a debt on valid grounds or what may be valid grounds, the firm must investigate the dispute and provide details of the debt to the customer in a timely manner.” 7.14.3

“Where there is a dispute as to the identity of the borrower or hirer or as to the amount of the debt, it is for the firm (and not the customer) to establish, as the case may be, that the customer is the correct person in relation to the debt or that the amount is the correct amount owed under the agreement.” 7.14.4

“A firm must provide a customer with information on the outcome of its investigations into a debt which the customer disputed on valid grounds.” 7.14.5

“Where a customer disputes a debt and the firm seeking to recover the debt is not the lender or the owner, the firm must:
(1) pass the information provided by the customer to the lender or the owner; or
(2) if the firm has authority from the lender or owner to investigate a dispute, it must notify the lender or owner of the outcome of the investigation.” 7.14.6

In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

Furthermore, ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

I would ask that no further contact be made concerning the above accounts unless you can provide evidence as to my liability for the debt in question.

I await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the FCA of your actions.

If appropriate I will also take this matter forward as a complaint to the Financial Ombudsman Service and Information Commissioner’s Office.

If you have reason to believe that a valid debt exists and that the Debtor resides at this address, then please prove the debt in writing. The FCA rules say you cannot continue any collection activity until you have done so.


Your Full Name

If you do owe money to Citysave Credit Union Ltd, contact us for immediate help.

Citysave Credit Union Ltd Frequently Asked Questions

If you ignore your debts with Citysave Credit Union Ltd, they have the choice of a few different approaches.

Citysave Credit Union Ltd may make a court claim against yourself. This is a cheap but popular way for them to reclaim their money. If they choose this method, you would receive a claim form through the post and you would either have to pay the money in full or dispute the bill. If you dispute the bill against Citysave Credit Union Ltd you should take legal advice, as a lot of defences will not work in this situation.

It may be possible to write off any debts that you have with Citysave Credit Union Ltd if you have a total of £6000 or more of unsecured debts. This can include loans, credit cards, catalogues, payday loans, overdrafts and any other unsecured debt.

Citysave Credit Union Ltd are a collections agency, this means that they can buy debts from a number of sources and legally pursue them. Some of the most common debts for collections agencies are council tax arrears, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and utility bills.

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