Credit Resource Solutions (trading name of DEAN WILSON LLP) is a debt collection agency operating across the UK. They collect debts on behalf of banks, credit card companies, utilities, and other creditors. Here’s what matters: Credit Resource Solutions are NOT bailiffs. They can’t enter your home or take your belongings.
If you owe £6,000+ across multiple debts, an Individual Voluntary Arrangement (IVA) can stop Credit Resource Solutions immediately and write off the remaining debt after 5-6 years.
Quick answers#
Can Credit Resource Solutions send bailiffs? No. They’re debt collectors, not bailiffs.
Are Credit Resource Solutions legitimate? Yes. Credit Resource Solutions is a trading name of DEAN WILSON LLP (Company OC351755), FCA-authorised and operating from Brighton.
Can an IVA stop Credit Resource Solutions? Yes. Once approved, they must stop contact.
Who are Credit Resource Solutions?#
Credit Resource Solutions is a trading name of DEAN WILSON LLP (Company OC351755), a limited liability partnership operating in the debt collection sector.
Company details:
- Registered office: Ridgeland House, 165 Dyke Road, Brighton, BN3 1TL
- Company number: OC351755
- Trading name: Credit Resource Solutions
- Phone: 01273 249200
Credit Resource Solutions works for creditors who can’t recover debts directly. When your bank, credit card company, or utility provider passes a debt to them, Credit Resource Solutions contacts you demanding payment.
Why is Credit Resource Solutions contacting me?#
Credit Resource Solutions contacts you because they’re collecting a debt on behalf of another company. When your creditor can’t recover a debt directly, they hire Credit Resource Solutions to collect it.
This is why you might not recognise Credit Resource Solutions’ name:
You had a credit card with NatWest. You fell behind on payments. NatWest tried to contact you for several months. NatWest then hired Credit Resource Solutions to collect the debt. A Credit Resource Solutions letter arrives, and you think “I don’t owe money to Credit Resource Solutions”—but you do owe money to NatWest, and Credit Resource Solutions is acting as their agent.
Who instructs Credit Resource Solutions:
- High street banks (NatWest, Santander, credit cards, loans, overdrafts)
- PayPal (credit arrangements)
- Utility companies (gas, electricity, water)
- Telecoms providers (mobile phones, broadband)
- Catalogue and mail order companies
- Store cards and retail finance
Check the original debt:
Every Credit Resource Solutions letter must state the “original creditor”—the company you originally owed money to. If you’ve never heard of that company, or if you believe the debt is wrong, you have the right to dispute it and request proof.
Can Credit Resource Solutions send bailiffs?#
No. Credit Resource Solutions are debt collectors, not bailiffs.
They have no legal power to enter your home or take your belongings unless they first obtain a County Court Judgment.
What Credit Resource Solutions CAN do:
- Send letters and emails
- Call you (between 8am and 9pm)
- Send field agents to knock on your door (but they can’t force entry)
- Report the debt to credit reference agencies
- Take you to court (see below)
What Credit Resource Solutions CANNOT do:
- Force entry to your home
- Enter without your permission
- Take your belongings
- Clamp your vehicle
- Threaten you with immediate bailiff action
- Claim they’ll “seize your goods” without a court order
If a Credit Resource Solutions field agent visits:
- You don’t have to let them in. Speak through a closed door if you prefer.
- Ask for ID. They should show a Credit Resource Solutions badge.
- Don’t sign anything on the doorstep.
- Don’t feel intimidated. They’re collectors, not bailiffs—they can’t take anything.
- If they’re aggressive or won’t leave, call the police.
Can Credit Resource Solutions take me to court?#
Yes—they can take legal action if the debt remains unpaid.
While Credit Resource Solutions can’t send bailiffs directly, they can pursue court action if you don’t pay or arrange a payment plan.
The legal escalation process:
1. Pre-Action Protocol (30-day warning)
Before Credit Resource Solutions can issue a court claim, they must follow the Pre-Action Protocol for Debt Claims. They’ll send a formal “Letter of Claim” giving you 30 days to respond.
This letter will include:
- Full breakdown of the debt
- Details of the original creditor
- Information about free debt advice
- 30 days to respond or arrange payment
2. County Court claim
If you don’t respond or arrange payment, Credit Resource Solutions will instruct solicitors to issue a County Court claim. You’ll receive court papers (form N1) at your address.
3. County Court Judgment (CCJ)
If you don’t defend the claim, the court will enter a judgment against you. This is a County Court Judgment (CCJ), which:
- Stays on your credit file for 6 years
- Makes it nearly impossible to get credit, mortgages, or phone contracts
- Allows Credit Resource Solutions to enforce through bailiffs
4. Enforcement after a CCJ
Once Credit Resource Solutions has a CCJ, they can apply for:
- Attachment of Earnings Order: Your employer deducts money from your wages
- Charging Order: Credit Resource Solutions secures the debt against your property (if you’re a homeowner)
- Warrant of Control: The court issues a warrant allowing actual bailiffs to seize goods
Don’t ignore court papers. If you receive a “Claim Form” (form N1), you have 14 days to respond. Ignoring it guarantees a CCJ.
Is the debt really yours?#
Before you pay Credit Resource Solutions anything, verify the debt is actually yours.
Request proof under the Consumer Credit Act 1974:
If the debt is a credit agreement (credit card, loan, mobile phone contract), you have the right to request a copy of the original agreement under Section 77 or 78.
Write to Credit Resource Solutions:
DEAN WILSON LLP (trading as Credit Resource Solutions)
Ridgeland House
165 Dyke Road
Brighton
BN3 1TLSay:
“I’m writing regarding account reference [your reference number]. Under Section 77/78 of the Consumer Credit Act 1974, I request a true copy of the executed credit agreement for this debt. I also request a full breakdown of how the current balance has been calculated. I don’t acknowledge this debt until I receive proof.”
Credit Resource Solutions has 12 working days to respond. If they can’t provide a valid agreement, they can’t enforce the debt through the courts.
When is a debt statute-barred?
If you haven’t acknowledged a debt or made a payment in 6 years (England/Wales) or 5 years (Scotland), it might be statute-barred.
Statute-barred debts can’t be enforced through the courts. Credit Resource Solutions can still ask you to pay, but they can’t take legal action.
Warning: If you make a payment (even £1) or acknowledge the debt in writing, the 6-year clock resets.
Will Credit Resource Solutions accept a settlement?#
Yes—they typically accept settlements of 40-70% of the debt value.
Like most debt collectors, Credit Resource Solutions would rather receive a lump sum settlement than wait years for monthly payments or an IVA dividend.
How to negotiate a settlement:
- Don’t offer first. Let Credit Resource Solutions tell you what they want.
- Start lower. If they want 70%, offer 40-50%.
- Explain your circumstances. “I’ve been offered help from family, but they can only lend £X.”
- Get it in writing. Never pay until you have written confirmation that the settlement clears the debt in full.
- Pay via bank transfer and keep proof of payment.
How to stop Credit Resource Solutions with an IVA#
An Individual Voluntary Arrangement (IVA) is a legally binding agreement between you and all your creditors (including Credit Resource Solutions) to repay what you can afford over 5-6 years. At the end, any remaining debt is written off—typically 60-80%.
Why an IVA stops Credit Resource Solutions:
Once your IVA is approved, all creditors—including Credit Resource Solutions—must:
- Stop contacting you
- Stop all doorstep visits
- Stop legal action
- Freeze interest and charges
- Accept the monthly payment your Insolvency Practitioner distributes
What debts can be included?
All of the debts Credit Resource Solutions collects are unsecured, which means they’re includable in an IVA:
- Credit cards
- Personal loans
- Overdrafts
- Mobile phone contracts
- Catalogue debts
- Store cards
- Utility arrears
To qualify for an IVA, you typically need:
- £6,000+ in unsecured debt
- Two or more creditors
- A regular income (employed or self-employed)
- Spare income after essential bills (usually £80-100/month minimum)
Check if you qualify for an IVA
How to deal with Credit Resource Solutions calls#
You have rights:
Request written communication only. You can tell Credit Resource Solutions (verbally or in writing) that you only want to be contacted by post. They must comply under FCA rules. This stops the calls and doorstep visits.
Don’t admit the debt until you’ve verified it. If you don’t recognise the debt, say: “I need to see proof of this debt in writing before I can discuss it.”
Don’t make a payment just to make them go away. Paying even £1 can restart the statute-barred clock if the debt is over 6 years old.
If you’re vulnerable, tell them. If you have mental health problems, serious illness, disability, or are in crisis, declare this. Credit Resource Solutions must follow FCA “Consumer Duty” rules and adjust their approach.
How to complain#
1. Complain directly
Write to:
DEAN WILSON LLP
Ridgeland House
165 Dyke Road
Brighton
BN3 1TLPhone: 01273 249200
Include your reference number, dates of the issue, what happened, and what you want.
They have 8 weeks to respond.
2. Financial Ombudsman Service
If they don’t respond or you’re not satisfied:
- Website: www.financial-ombudsman.org.uk
- Phone: 0800 023 4567
3. Financial Conduct Authority
If Credit Resource Solutions has breached FCA rules:
- Website: www.fca.org.uk/consumers/report-firm
- Phone: 0800 111 6768
If you’re struggling with debt, use our free IVA calculator to see if you qualify.
Frequently Asked Questions#
Can Credit Resource Solutions send bailiffs?#
No. They’re debt collectors, not bailiffs.
Are Credit Resource Solutions legitimate?#
Yes. They’re a trading name of DEAN WILSON LLP (Company OC351755), FCA-authorised and operating from Brighton.
Will they take me to court?#
Yes, they can if you don’t pay or arrange a plan.
Can I stop them with an IVA?#
Yes. Check if you qualify
Will they accept a settlement?#
Yes. Typically 40-70% of the debt value. Get agreements in writing.
How long can they chase me?#
6 years in England/Wales, 5 years in Scotland.