Credit Solutions Ltd. is a debt collection company with over 30 years of experience in the industry, and they are authorised by the Financial Conduct Authority. Their registered address: Capella Court, Brighton Road, Purley, Surrey, CR8 2PG.
As a debt recovery company, they are always looking for opportunities to buy “bad” debts from banks and credit card companies at a discount rate. They spend their days on the phone, cold-calling people who owe money in an attempt to collect it as quickly as possible.
Important: Do not let Credit Solutions Ltd. into your home, no matter what they tell you!
If this debt collection company calls on your phone or knocks on your door, contact us immediately and we will try to deal with them for you. Be careful not to make any commitments even if they threaten or intimidate you. Do not negotiate with Credit Solutions Ltd as this could invalidate your case. We can deal with Credit Solutions on your behalf and make sure that this debt collection agency does not contact you again in the future.Will Credit Solutions Ltd debt collectors come to my house to collect debts?
Credit Solutions Ltd. has been known to make home visits with its field agents to discuss alleged debts and can be intimidating for those who are unaware of the company’s tactics or policies. Debt recovery companies often make home visits when their phone calls and letters have not yielded the results they want.
These visits can be very distressing not only for the person who has been served with legal documents but also anyone in their family that might be approached by them. For this reason, it is important that you know your rights and that you know the steps that Credit Solutions Ltd will take to get a result from you.
We are a well-established, independent debt website that has a lot of experience dealing with creditors like Credit Solutions Ltd.
How will Credit Solutions chase me if I don’t pay?
Credit solutions Ltd. uses sophisticated technology, often called a CRM (customer relationship management system), to manage their debtors. They will always choose the best debt process to maximize their profits.
These tactics are often seen as aggressive. You may have seen news articles and documentaries criticizing the harshness of bailiffs and debt collectors. While the Government has made some progress in reducing their powers, intimidation is still the most effective tactic.
Typical steps all debt collectors will take:
Credit Solutions Ltd will use an introductory letter and phone call as their first point of contact. This is to establish their pre-action protocol. Debt collectors are notorious for being on your tail if you fail to repay a debt. It is important that the debtor understands exactly what they owe, how much time they have until their next payment deadline and any late fees or other penalties so as not to incur more losses. A letter is the first thing you’ll receive from a debt collector. It will explain how much money, if any, they can collect and what costs may have accumulated since your last payment.If they don’t hear from you, the next steps from debt collectors usually include:
- A visit to your home
- Credit Solutions Ltd. issues a county court judgment (CCJ) if you fail to repay the debt by this deadline
- The threat of bankruptcy (usually when the debt is more than £750).
These letters are common with all credit providers, not just Credit Solutions Ltd. These letters should not be taken personally. You can get help, but you need to act quickly.
If you have been contacted by Credit Solutions Ltd., we can deal with them on your behalf.
What rights do I have against Credit Solutions Ltd?
As a British citizen, you have certain rights that will protect you and your family’s health.
Harassment by debt recovery companies
Confidentiality of debt collection companies
Credit Solutions Ltd. must not speak to your relatives, friends, or neighbours about your debts. This is in accordance with UK data protection laws.
Honesty whilst pursuing debt recovery
Credit Solutions Ltd. can’t pretend to have powers they don’t have. Documents that look like a court document have been used by creditors in the past. This is prohibited by law.
Threats and Abuse by debt collection companies
Credit Solutions Ltd. can not threaten, abuse or lie in order to collect debts as that is illegal and punishable by law. An individual may report a violation committed against them if they feel threatened with violence, insulted, abused verbally or physically.
How do I complain about a debt collector?
At first, you should address your complaints to the company itself. Credit Solutions Ltd has this correspondence address: Capella Court, Brighton Road, Purley, Surrey, CR8 2PG.
You can contact the CSA (Consumer Services Association) with your complaint.
How does the Consumer Services Association deal with complaints?
The CSA will follow through on resolving and addressing specific complaints from consumers, as well as providing feedback and updates about its procedures in response to inquiries.
How we can help with debt collection:
You will be able to see that our staff are all very experienced in dealings with creditors like Credit Solutions Ltd. We pride ourselves on being able to deal with many debt-related queries quickly, efficiently, and with empathy.
Every customer we assist is asked to leave a review. Some customers have provided very detailed feedback about how they have been helped and how it has changed their lives in a short time. These reviews are your chance to see the difference!
We work with many different debt solutions as well as a large number of debt companies. You will always find the best solution for you, regardless of your situation. We aren’t tied to any company so we can do our best to make sure you only repay what you owe.
If you are worried about Credit Solutions Ltd, you should contact us immediately by calling the number on top of this page, or by clicking “Get Started for Free”.
Jonathan Michaels
Financial Advisor at IVA Advice
I am a CII Advanced Diploma Financial Advisor with over 15 years of experience working with FCA Regulated Finance Companies in the insurance, credit card, loan and debt industry.
I am very familiar with The Civil Enforcement Association and the High Court Enforcement Officers Association and I have written extensively on Financial Services matters.
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