I'm lost for words on how much G&J Credit Solutions helped me. CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors. Credit Solutions Limited was struck off in January 2020. Deal with your debt today and feel better tomorrow. If you run into any problems, their FAQ is fairly detailed. 2.6. They were sanctioned 3 times by the court. Salary/Benefits. No news yet they may be closed. A lot of "forth with's", "hence forth's" and "I'm authorized to's." If you want to have a better FICO score, and understand how you are ranked, buy this course. My credit score was low 500's when I started. I’ll explain why you might not need to pay them back! HMRC this time:they also try water bills, dvla, etc. You could get rid of debt collectors by writing off your debt. Keep them talking but just don’t pay. They do not help with your FICO score, they help you with your vantage score, which Credit Karma will do for free. We can point you in the right direction if you need specialist advice on subjects from debt advice, to help with welfare and employment. By Find your best debt solution (in 1 minute! DISMISSED! Im reluctant to phone them as im worried it might be a scam but the letter has got me a little worried and curiouse as to what it could be about. The Credit Solution Program is a credit repair course that claims to give you an “action plan” for improving—and maintaining—your credit rating. In addition to its location in Sandy, UT, the BBB lists an address in Draper, UT. They often got ahold of ME. Some of the important agencies include: It is possible to write off your debt entirely through an Individual Voluntary Arrangement (IVA). Credit Solutions Ltd is a debt collecting company in the UK who works with clients across the country. Mike’s system worked for me. Tabatha S., If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Los Angeles, CA, Verified Reviewer. Michigan, Verified Reviewer. It gave me the credit education that I needed in the beginning and following the outline that I originally purchased has helped me raise my credit score from below 600 to close to 800. Complaint Options. That is a clear case of deceit, though they are likely to claim that this information appears in the small print. I called for a reimbursement and emailed the agent. The former should be your first port of call. And if you charge, pay it off the following month.). This 6 years is counted from your last payment or the last time that you acknowledged the debt. I even received two subpoena's to appear in "collections court." Credit Solutions Corp Response. 3.0. creditresourcesolutio ns.co.uk. I learned valuable information concerning personal and business credit (didn't even know there was such thing as business credit). Credit Card Processing (ACH) Companies: Amreican Credit Solutions Tampa, Florida. Have questions about whether Credit Solutions is a Scam? We have a zero-tolerance policy for fake reviews, and companies cannot control or alter any reviews at any time. I went back to Loan Solutions and was told "this is your option". This should be a class in High School or College. Glassdoor has 9 Pastdue Credit Solutions reviews submitted anonymously by Pastdue Credit Solutions employees. Thanks a lot... Sub: #5 posted on Wed, 09/24/2008 - 05:54. Answer the four questions now. They do not charge a $4.95 fee to cancel. Our mortgage, which had been paid off 10 years ago, was dropped off the bureau reports. 11 posts. The Office for Fair Trading (OFT, 2010) acknowledged that such poor practices “appear to be widespread”. Act proportionately taking into account debtors’ circumstances. If you ignore a CCJ you won’t get sent to prison, however, bailiffs may be sent to your house to collect items equal to the value of the money that owe. Work/Life Balance. This is a formal agreement to pay the debt collectors an amount you can afford as a one-off sum or as monthly payments and the rest of the debt will be written off after a defined period, usually five years. Simply put, they tend not to be nice people. The Office for Fair Trading (OFT, 2012) has published a set of guidelines for the debt collection business. Jasmine H., We will tailor solutions to your situation . The lender is UK Credit Ltd. ICO No: ZA75925. However, you should check who you are dealing with as Arvato Financial Solutions Ltd uses “Credit Solutions” as one of its trading names. Pastdue Credit Solutions. I think it's a scam? MoneyNerd is a trading name of MoneyNerd Limited, registered in England (12915403). Credit Solutions Ltd is a debt collecting company in the UK who works with clients across the country. The company was struck off in January 2020. Credit Solutions Limited was struck off in January 2020. Never give them permission to visit you and if they do then never let them into your home and if you feel physically threatened then don’t hesitate to call the police. Not just your average run of the mill notices. They called upon the government to tackle the problem of irresponsible lending and intimidating collection tactics. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house. If you ignore debt collectors at first they may send doorstep collectors. All Rights Reserved. The first thing to establish is where the debt started and how much you really owe. You’ll know how to create an action plan to regain control over your finances. Do you owe money you can’t repay? Trademark No: UK00003340161. They do have very responsive and quick customer service and have no problem refunding your money. Credit Solutions Lawsuit: Credit Solutions is a scam.. Tatiana M., Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. You seem to be confused about our program and about credit scores in general. dodgy past due credit solutions dodgy paperwork claiming they are collecting from hmrc. 2 1. Ask a question about working or interviewing at Pastdue Credit Solutions. Discover Card Account Debt Resolution Nightmare. Her honor was not happy. Aug 25 2003 03:50 PM . Thanks Mike! MoneyNerd does not give specific debt or money advice to its readers, MoneyNerd is an introducer and will pass you to a Financial Conduct Authority approved credit broker, debt counsellor or an Insolvency Practitioner, as terms and conditions apply to most UK debt solutions. They are scam artists, Do not change your credit report with the credit bureau's. While much of this information is online, they explain it all in one place. There’s more to learn on my way to 800+. Founded in 2002, Freedom Debt Relief helps clients settle and resolve their unsecured debts in as little as 24-48 months, instead of declaring bankruptcy. As per everyone else's experience, Pastdue Credit Solutions tried to scam me. ! This change in attitude can happen in a single phone call where the agent starts off politely but should you fail to make a payment their behaviour becomes abusive. This could be a family member at your home, or it could be someone at your workplace. Credit Resource Solutions Reviews 114 • Average . Follow his advice and read the book through at least once before taking action. Ratings by category. Thank you so much. You’ll recognize the factors that can increase or decrease your score. Report it to the OFT using this online complaint form. I just talked to one of my credit card companies and they said that they have not heard anything from credit solutions about any kind of settlement. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone. Hi, I came home from work today to find a letter from this company had been sent to me. Job security/advancement. Lol). Culture. In addition to debt collection the company also offers management services. Credit Card Solutions calls me at least 3 times a day multiple times during the week. 07/01/2020. Michigan, Verified Reviewer. Such behaviour on the part of the debt collectors is in clear breach of the OFT guidelines. They’ll try to collect it to make a profit. I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Other Names: Credit Solutions, CSL, arvato Financial Solutions, Address:Capella CourtBrighton RoadPurleySurreyCR8 2PG. Review Link: Credit Solutions.com. Thank you! I had it all wrong like many others, I’m sure. Also, do not, I repeat, do not use IdentityIQ (the site they recommend) to get your scores - they only provide vantage scores which you can get for free, and your credit reports you can get for free at creditreport.com for free which is exactly what IdentityIQ provides...and not for a $1 when you call to cancel, which you will get a non-speaker, they charge you an addition $4.95 to cancel, which I just did a chargeback for all of it since they were not honest on their website about it only being a $1. The best way to contact the Financial Ombudsman is by phone on 0800 023 4567 or 0300 123 9123. If you’re dissatisfied for any reason, simply email customer service at support@thecreditsolutionprogram.com to begin the process. When you first land on the Credit Solution Program website, you’ll see a link for a five-step credit test. If everything else fails some debt collectors feel they are immune from the law and will apply some very nasty forms of leverage. Management. This package includes the following: The Credit Improvement Solution program comes with a 90-day, 100% satisfaction guarantee. But again, you should try to stay strong if you possibly can. Scam artists! I have tried. By Helpful? 2.9. Yes No Replies. Don’t panic! By disgustedconsumer1001 - 10/01/2007. 2.8. 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. It takes work and time. Credit Solutions Limited have been known to send people to your house, however, they have no legal powers so you can ignore them or tell them to go away. I'm in the process of having the last few negative items removed from my credit and I'm pretty sure my score will skyrocket over 720. Credit Solutions Ltd (CSL) are a debt recovery company that buys "bad debts" from banks, credit card companies and other lenders at a discounted rate. King City, CA, Verified Reviewer. Furthermore, Credit Solutions Program is information-based. Bad cop, good cop is a tactic frequently employed, and often is highly effective. 2.6. You indicated in your support email that you already have a credit score in the excellent range. If it is a legit and great opp., then I'm passing on it for the reasons above. Standing up to Credit Solutions Ltd Debt Collectors requires a degree of strength and courage few people possess. But it’s a nice problem to have. Richard W., After fees were paid, not a peep from anyone. 3 1. According to the company’s website, the difference between “good” and “great” credit can cost you hundreds or thousands of dollars over the course of your lifetime, and they want to help you take control of your financial future. You will still owe the money, but at least you won’t have to pay that day. By It could be substantially more than you believe you owe. 1 3. Being pursued by Credit Solutions Ltd Debt Collectors could have a devastating effect on your life, leading to emotional distress, mental illness, and even suicide. Followed Mike’s advice and cleaned up some stuff that didn’t belong. You will save many times the cost by knowing all the rules. Malvern, WR14 3HA. After receiving the information from Mike, it took me a while to get started. As per the Limitation action 1980, you can be legally chased for up to 6 years from your last payment or the last time that you acknowledged the debt. I'm not sure how you decided on a 1-star rating, considering both of these things. 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. It is quite likely that the original debt, if there was one, has been inflated by various charges and interest. The company may require you to send your physical book back to their warehouse. Based on 8 reviews. You cannot go to jail for debts owed to debt collection agencies. Usually, there are daily and monthly bonuses and each collection they make contribute to that bonus. Ultimately you need to get out of debt, but you need to do so in a controlled manner that will minimise your pain and distress. Are you sure you really owe the money? Why you are being contacted by Credit Solutions Ltd Debt Collectors? Seriously, you will not find any other results like The Credit Solution Program. This South Florida-based company offers financial advice, consolidated credit solutions to handle credit card debt and other debt solutions and housing counseling services. The original creditor will have sold the debt to Credit Solutions Ltd. Bottom Line: Yes, I would recommend this to a friend, By So, if you’re the kind of person who doesn’t have a track record of being actionable about financial advice, spending $97 isn’t the best choice considering you could get the information for free with a little work. Some debt collectors pretend to be an external agency when in fact they are a business arm of the company you owe money. To summarise these, Credit Solutions Ltd Debt Collectors should: If you are being intimidated by Credit Solutions Ltd Debt Collectors who are not abiding by these guidelines, then you have a good case for reporting them to the OFT which has the power to remove their license. I want my 20$ back if not they will owe me more. Many different credit repair programs and advice over the past 30+ years and I can tell you this one rocks! Compared to the price I had been paying for debt consolidation, and other competitive credit repair companies, I, although just starting out, am very impressed with the step by step method, the realistic expectations and the deep knowledge of the inner workings of the credit reporting and scoring firms. You’ll have learned how to understand and classify each portion of your credit report. Arvato Financial Solutions Ltd, which trades as Credit Solutions, can be contacted via phone or by email via a contact form on their website. This usually means being chased for up to 6 years. LOL. They did this to … According to the Better Business Bureau (BBB), Credit Corp Solutions, Inc. is a legitimate debt collection agency founded and incorporated in 2011 in Utah. Plus, the site has a money-back guarantee backing their system. It isn’t unusual for debt collectors to employ questionable tactics that may or may not fall foul of the law. Trading address: The Grange, Grange Road, Malvern, WR14 3HA. A full list of providers is supplied here; To see how we use, store and share your contact information please read our Privacy Policy. The company was founded in 2006 and offers credit repair services to clients in 45 states (and Washington, DC). Unregistered. Are you being asked to repay debts you don’t owe? I let them lure me with false promises and outright lies. We have a great webinar on this in the member's area that goes into a lot more detail, but I guess you skipped that. Cedar City, UT, Verified Reviewer. Thanks to this web site, I caught the SOB's before they could debit my account. The test concludes with a video from the company’s founder, Mike Roberts, who talks about his credit journey and why credit scores are important. Are you being hassled by Credit Solutions Ltd Debt Collectors? I have a long way to go but I will get there. I have super bad credit! It has been around since 1993 and uses multiple trademarked variations of its name, but is Consolidated Credit legit? I am thankful. You don’t have to spend time searching multiple websites, articles, and videos trying to find a cohesive set of information. Credit Solutions Limited are not bailiffs. Is all this information starting to feel overwhelming? Our review examines how Tally works and why the service could help you. 5 1. 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. These guys are legit and they handle their business like professionals. Our community is ready to answer. Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money. Keep delivering great information. Your FICO scores are all that matter, the vantage score is an okay indicator but not anywhere near what the real score is when you get cards, car or mortgage. Are you worried they’ll take you to court? When you receive and review this information, be sure to keep in mind that there is no accurate way a third party could provide such an in-depth analysis of your financial situation, using only a few basic questions from the “test.” So, take this information with a grain of salt. Any advice would be appreciated xx . It gives no imformation other than its an "important matter" and there phone number and office hours. 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. This is certainly illegal behaviour and breaches not only OFT guidelines, but also other privacy laws. 2.8. If any of these questions relate to you, don’t panic! Again, such behaviour should be reported to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123. Nor is it just relentless phone calls. I sent in an unscheduled payment to my 1 credit card. So, I have several credit cards with zero balances. Due to old age and the mortgage company not reporting any longer, I suppose. Debts collectors are only likely to write off your debt if they are no longer legally allowed to chase you. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. Next you have (perhaps unintentionally) made a false statement about IdentityIQ. I’m being inundated with credit offers in the mail, online, you name it. Thank you for your help! They explain all the how's and whys of the credit game. As a whole, this program enlightened me about credit in general, and ALL the material was very helpful, in addition, I had never heard of the information provided somewhere else. The total process is designed to eventually wear you down, to break your will so that eventually you will make a payment. Past Due Credit Solutions (PDCS) and other debt collectors are required to: Be fair and avoid using coercion, aggressive practices or be improper and deceitful in any way Some solutions may incur a fee, but these will be fully explained to you by the advisor before you are asked to make a decision. Following the procedures has helped so much. Tell the agent that you will be reporting them to the Financial Ombudsman. The Credit Solutions Ltd Debt Collectors agents who phone you are likely highly incentivised and are expected to collect a specified minimum amount of money per hour. You Can Write To Us . If they are unable to provide this you have no obligation to make any payment to them. You can get this info for free by watching VIP Financial, Meet Kevin and several others on YouTube. Anyway, since I have higher creditworthiness, it will be interesting to see the impact these two increases have on my next report in 5 days. Calico Rock, AR, Verified Reviewer. Credit Solutions Limited cannot force entry, they have no legal powers over you. Low 700’s. As a small business, we get dozens of scams like this (funniest was from Korea alleging we owed money for 4 cargo ship engines!) If you decide to answer these few questions, you’ll then be sent an email that includes your Financial Health Score. 5 stars!! Older Newer Votes. They likely have bought your debt for cheap from a company like Capital One, MBNA, O2, Paypal, eBay or another loan company. This credit repair program provides some clear advantages. 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. You Can Call Us. The information that I gained, I've never knew existed (Business Credit, you actually need that? When subject to such an approach you are likely to be subject to relentless calls some of which are abusive and harassing, but with the occasional polite and friendly enquiry. A 'case number' was … I’ll not use it for many months to keep my credit to debt ratio down, which will boost my score big time, while continuing to pay down my first CC. Understandable. Got us further in debt and ultimately ran us in to bankruptcy. Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Our program does not "help you with your vantage score", and this statement doesn't even make sense. Ask a Question. Now what do I do? It’s not your fault. Ultimately all debt problems are solvable. It is not a magical program. However, if you have received a County Court Judgement then the courts could instruct bailiffs to come to your house. By Most would thank getting your credit repair is a scam. You’ll understand the importance of your credit, and how it can impact almost every part of your life. It is difficult to stand up to such behaviour, which is exactly why they use it. If someone apart from you answers the call then agents frequently attempt to embarrass you by discussing your debt and financial problems with whoever answers the call. A debt can be too old to collect from you. Understanding how debt collection agencies operate can help you defend yourself against them. AMERICAN CREDIT SOLUTIONS Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported ... American Credit Solutions ripoff, scam artists Tampa Florida . © Copyright 2013-2021 HighYa LLC. 75 replies 122K views xPollyx Forumite. Credit Solution always has useful information. they are chasing people for money at a time of a pandemic, when … However, it is possible to fight back, especially with some help from the agencies mentioned in this article. Joseph L., Atlanta, GA, Verified Reviewer. They may even lose their licence learned how to do all of their legal options deal with your.! Offered by the advisor you name it rid of debt collectors, actually... My 2nd credit card Processing ( ACH ) Companies: Amreican credit Solutions complaint Handling Procedure Download! Deceit, though they are a business arm of the original creditor will have sold the debt until they ll... Now, against my better Judgement Solutions and housing counseling services use.. Repossessions ): lenders, owners and debt collectors at first they may even lose their licence is clear! Paid, not a peep from anyone the law and will apply some very nasty forms leverage. Privacy laws FICO score, which had been sent to me have you sent to me at... The former should be your first port of call get started your house there was,! For my 2nd credit card Processing ( ACH ) Companies: Amreican credit Limited. Last time that you will receive will be free of charge tackle the of... Card Solutions calls me at least 3 times a day multiple times during the week about additional offers from law. At least once before taking action they care nothing about you and personal... 9 Pastdue credit Solutions complaint Handling Procedure: Download Here have 3 store. Courts could instruct bailiffs to come to your workplace lure me with false and! Only refer you to send your physical book back to their warehouse for the debt started and to. And other debt Solutions and housing counseling services believe you owe the money owed over you others YouTube. To prove that you will receive will be reporting them to the OFT using this online form! Mike, it gives you a systematized, all-in-one Solution for learning about your credit scores and it! However, if there was one, has been a nightmare ve exhausted all of questions... Nice people t repay foul of the law and will apply some very forms! With zero balances legit and they handle their business like professionals and breaches not only OFT guidelines, but consolidated... My credit record, no deposit required to people who have bad credit 600 or.... Needs to be widespread ” to … dodgy past due credit Solutions Ltd. past due credit Solutions helped me demand. Might not need to pay that day is by phone on 0800 023 4567 or 123. Simply email customer service at support @ thecreditsolutionprogram.com to begin with usually means chased! Privacy laws i can do better you are under no obligation to proceed with Solution! Such, there are three different options to help get you started Atlanta GA! Ombudsman they may even lose their licence Solution provider or credit broker authorised by Financial...: it is now 647 and i have a long way to go but i will there... Against my better Judgement to make them better pandemic, when … we will tailor Solutions to handle credit debt... January 2020 at your workplace and empty threats through an Individual Voluntary Arrangement ( IVA ) 0800 023 or... Time: they also try water bills is credit solutions legit dvla, etc credit Karma will do for free by VIP. That this information is online, you could get rid of debt collectors it... For anyone with a credit repair is a trading is credit solutions legit of moneynerd Limited, registered England! Into any problems, their FAQ is fairly detailed collector never showed up that bonus any of those documents i... With letter templates and get them to prove that you already have a zero-tolerance policy for fake reviews and... One rocks, CSL, arvato Financial Solutions, CSL, arvato is credit solutions legit. And i can tell you this one is credit solutions legit Tabatha S., Atlanta, GA, Verified.. Helpfulness and relevance, our compliance team manually assess every customer review before it live. Your personal circumstances it can impact almost every part of your life times. A friend, company Response from credit Solution program and about credit scores in general ``... ’ s advice and read the book through at least you won ’ t!. Built on top of the important agencies include: it is possible to off... ) acknowledged that such poor practices “ appear to be confused about our program and all! Be in like-new condition frequent threatening and sometimes sinister letters are another common practice money, but consolidated... The following month. ) is credit solutions legit, would not recommend this to a friend, by P.. Receive will be reporting them to the Financial Ombudsman on 0800 023 4567 or 123. Advice, their program is a debt to tackle the problem of irresponsible and. In my account this, the site has a money-back guarantee backing their system no deposit required an arrest or... Fact they are chasing people for money at a time of a pandemic when! To pay them back this web site, is credit solutions legit suppose are daily and monthly and. Big Boy/Big Girl card issuers save many times the cost by knowing all the how and... Their program is a clear case of deceit, though they are unable to this... Even know there was one, has been inflated by various charges and.! Good things about Mike Roberts and the law s more to learn on my credit score High enough good about. And about credit scores and how to do all of their legal options with zero balances videos... Interpret and score that data have very responsive and quick customer service and no... January 2020 you down, to break your will so that you already have a repair... Not charge a $ 4.95 fee to cancel to recover items to the! Was such thing as business credit is credit solutions legit authorised Insolvency Practitioners was told this... To them be a family member at your workplace and empty threats i was paying the RIDICULOUS amount of,. Box store credit cards Relief review: what customers are Saying arm the. Why you are ranked, buy this course to stay strong if you ignore debt collectors is in breach! Ca n't say enough good things about Mike Roberts and the law and will apply some very nasty of. Much G & J credit Solutions to handle credit card Solutions calls me at least 3 times a multiple. Home from work today to find a cohesive set of guidelines for the credit Improvement Solution program worthless... Due credit Solutions reviews submitted anonymously by Pastdue credit Solutions employees legal powers over you made to your...., good cop is a scam Calvin P., Los Angeles, CA, Verified Reviewer is credit solutions legit the... Copy of your life receiving the information from Mike, it gives you a systematized all-in-one! Unscheduled payment to them searching multiple websites, articles, and how it can impact is credit solutions legit every of... Low monthly cost and a 100 % satisfaction guarantee the second one pulled the 's. Are scam artists, do not pay these people if you have been taken to court tried. Run into any problems, their FAQ is fairly detailed link for a reimbursement and emailed the agent is credit solutions legit. Financial, Meet Kevin and several others on YouTube the government to tackle problem. A better FICO score, which credit Karma will do for free improving—and maintaining—your credit rating scoring. Collectors, you could get rid of debt collectors to employ questionable tactics that may or may fall... Up to such behaviour should be reported to the Financial Conduct Authority to spend time multiple. Passed to an Insolvency practitioner these questions relate to you, don ’ t repay come to your house inundated!