How to Stop Credit Solutions Ltd. Debt Collectors From Harassing Me?
There's nothing more annoying than being harassed by a debt collector. If someone claiming to be from keeps contacting you, it can certainly create a lot of stress.
With DoNotPay, you can get debt collectors off your back and finally obtain some relief. DoNotPay can also help you deal with debt recovery issues with the following::
Who Is Credit Solutions Ltd? Why Do They Keep Calling Me?
is a debt collection service that purchases old debts at a discounted price and then attempts to collect them. So the reason you don't recognize them is because they are trying to collect money you originally owed to someone else. You could be getting calls from them if you have:
- Defaulted on a bank loan
- Unpaid credit card debt
- Past-due medical bills
Credit Solutions Ltd. Contact Details
One of the best ways to avoid harassment from debt collectors is to contact them first. So if you know that some of your old debt has been sold to Credit Solutions, reach out to them first by one of the following methods.
|Phone||0870 3000 599|
|Post||Capella Court, Brighton Road, Purley, Surrey, CR8 2PG|
Is Credit Solutions Ltd a Scam? Do I Actually Have to Pay Them?
has incorporated and then dissolved itself a number of times in recent years. So it's entirely possible that the company doesn't even exist at the time you are receiving phone calls. The individual contacting you could indeed be a scammer, so it is always best to verify.
Use the search engine available at GOV.UK to find the current status of Credit Solutions Ltd or any other debt collector. Even if you find that they are a legitimate company, you should still make them verify the debt they are trying to collect. It's on them to show that you actually owe the money they say you do.
You may not have to pay at all if your debt is very old. In most cases, the Limitations Act of 1980 provides for a six-year statute of limitations on money owed. How that six-year period is calculated though is tricky, so you should carefully review the law to see how it might apply to you.
Alternative Ways to Resolve Debt Collections Issues
Sometimes, talking with a debt collector is like talking to a brick wall. But just because you can't get through to them does not mean you are out of options. Here are a couple you may want to explore.
Contacting the Financial Conduct Authority
The Financial Conduct Authority, or FCA, governs financial services throughout the UK. The FCA does not mediate directly between individuals and various debt collections agencies. However, what they can do is revoke authorisations whenever a company acts inappropriately. So if you believe that Credit Solutions Limited is behaving outside the law, it may be worth looking into.
Speaking with a Financial Ombudsman
The Financial Ombudsman Service exists to help consumers resolve complaints between themselves and those in the financial services industry. A financial ombudsman may be able to assist you with matters related to debt collection if:
- You are not actually the person who owes the money
- Credit Solutions is demanding the wrong amount
- The debt in question cannot be enforced due to time constraints
- You or your family are being unnecessarily harassed
Get Debt Help With DoNotPay!
When you are constantly getting phone calls about your unpaid debt, it can seem as though you just can't catch a break. It doesn't have to be that way when DoNotPay can provide you assistance instead. We can help you determine if the agent is complying with the law or otherwise violating your rights, and then come up with a course of action based on the circumstances.
It requires only three easy steps as outlined below.
- Search "debt collection" on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.
That's really all there is to it. Once you've decided how to proceed, we'll take it from there by performing the necessary next steps on your behalf.
After Helping Me Fight Debt Collectors, What Other Things Can DoNotPay Assist With?
Here at DoNotPay, we do a number of things very efficiently. So once we have helped you with debt collection, don't hesitate to contact us if you need help with any of the following:
- Paying your regular bills
- Cancelling a service or subscription
- Finding missing money in your name
- Increasing your credit limit
- Signing up for a free trial
Push Back Against Credit Solutions Ltd and Other Debt Collectors
Don't let a debt collector from Credit Solutions Ltd or any other agency cause you distress. Instead, get a quick, positive resolution with assistance from DoNotPay. is easy, so why not get started today?