I want my 20$ back if not they will owe me more. Our program does not "help you with your vantage score", and this statement doesn't even make sense. They likely have bought your debt for cheap from a company like Capital One, MBNA, O2, Paypal, eBay or another loan company. So, I have several credit cards with zero balances. Culture. You are under no obligation to proceed with any solution offered by the advisor. Followed Mike’s advice and cleaned up some stuff that didn’t belong. ! It is quite likely that the original debt, if there was one, has been inflated by various charges and interest. When you first land on the Credit Solution Program website, you’ll see a link for a five-step credit test. This could be a family member at your home, or it could be someone at your workplace. The best way to contact the Financial Ombudsman is by phone on 0800 023 4567 or 0300 123 9123. A debt can be too old to collect from you. Jasmine H., But again, you should try to stay strong if you possibly can. Credit Solution always has useful information. I went back to Loan Solutions and was told "this is your option". 12 July 2010 at 9:28PM edited 12 July 2010 at 9:34PM in Debt-Free Wannabe. Some debt collectors pretend to be an external agency when in fact they are a business arm of the company you owe money. 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 might be tempted to simply not answer calls from Credit Solutions Ltd Debt Collectors, but when this happens agencies often employ automated call technology that will attempt to phone you say every half hour until you do eventually answer. Credit Solutions Lawsuit: Credit Solutions is a scam.. ), Credit Solutions Ltd Debt Collectors and the law, Understanding how Credit Solutions Ltd Debt Collectors operates, Credit Solutions Ltd Debt Collectors Contact Details, Embarrassing you by talking to third parties, Can Debt Collectors See Your Bank Account Balance? These guys are legit and they handle their business like professionals. The total process is designed to eventually wear you down, to break your will so that eventually you will make a payment. Nothing to write home about, however. Report it to the OFT using this online complaint form. They care nothing about you and your personal circumstances. Trading address: The Grange, Grange Road, Malvern, WR14 3HA. Many different credit repair programs and advice over the past 30+ years and I can tell you this one rocks! The Credit Solution Program is a credit repair course that helps you understand the importance of your credit score, what can cause it to fluctuate, how to keep it as high as possible, and more. No showed once, lied about having a settlement from the court. Most would thank getting your credit repair is a scam. Based on 8 reviews. I even received two subpoena's to appear in "collections court." 2 1. 5 stars!! LOL. The information that I gained, I've never knew existed (Business Credit, you actually need that? Especially the article on the order of paying your debt. As a small business, we get dozens of scams like this (funniest was from Korea alleging we owed money for 4 cargo ship engines!) 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. 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. Only downside? At this point, you have no obligation to buy the Credit Solution Program. DISMISSED! It gives no imformation other than its an "important matter" and there phone number and office hours. If any of these questions relate to you, don’t panic! Credit Solutions Limited was struck off in January 2020. This usually means being chased for up to 6 years. The tips Mike gives are good as well. Helpful? 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. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Thank you for your help! 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. Low 700’s. It could be substantially more than you believe you owe. Finally, I'm a little confused about why you signed up for our program to begin with? First, it gives you a systematized, all-in-one solution for learning about your credit scores and how to make them better. MSI Credit Solutions Credit Repair is a credit repair firm based in Dallas, TX. Seriously, you will not find any other results like The Credit Solution Program. But it’s a nice problem to have. The former should be your first port of call. What the program has done is to remind me how I can do better. 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. Kindly say, the credit management solutions scam is universally compatible with any devices to read The time frame a book is available as a free download is shown on each download page, as well as a full description of the book and sometimes a link to the author's website. Joseph L., It takes work and time. All Rights Reserved. I paid $47 for the Credit Solution Program and received all the promised eBooks online in my account. Calico Rock, AR, Verified Reviewer. Aug 25 2003 03:50 PM . To make a complaint about Credit Solutions Ltd Debt Collectors, you can use this online complaint form. They then chase the debtor for the full amount of the original debt. I sent 9 letters out and of course, they all came back as valid debts. While it’s not as simple as just refusing to pay, you can reduce the amount you must repay and spread your repayments over a period you are comfortable with. 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. Act proportionately taking into account debtors’ circumstances. This South Florida-based company offers financial advice, consolidated credit solutions to handle credit card debt and other debt solutions and housing counseling services. Simply put, they tend not to be nice people. And if you charge, pay it off the following month.). 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. If you were, in fact, charged an additional fee it's because you agreed to sign up for an alternative offering that they presented to you. Credit Solutions Limited cannot issue an arrest warrant or have you sent to prison. NOTHING in any of those documents said I was the owner of the debts. Thank you so much. I am thankful. They claim their course is so good that those who followed it through to the end increase their score by an average of 116 points over 7.5 months. Debt collectors like Credit Solutions Ltd come in several forms…. It's very easy to cancel the $1 trial and no additional cancel fee is required which is consistent with what is advertised on their website - I have confirmed this myself as a customer. The company was struck off in January 2020. Credit Solutions Limited was struck off in January 2020. Credit repair companies help clients improve their credit scores by disputing questionable negative items, such as late payments, collections, charge-offs, and bankruptcies, on their credit reports. 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. One day I noticed I had dropped to 798 and 794. 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. Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money. This 6 years is counted from your last payment or the last time that you acknowledged the debt. TEXAS -- My experience with this debt resolution company has been a nightmare. The Credit Solution Program is a credit repair course that helps you understand the importance of your credit score, what can cause it to fluctuate, how to keep it as high as possible, and more. they are chasing people for money at a time of a pandemic, when … Next you have (perhaps unintentionally) made a false statement about IdentityIQ. In order to safeguard you and ensure helpfulness and relevance, our compliance team manually assess every customer review before it goes live. There are few morals involved; as far as they are concerned it is you who ran up the debt and you who is responsible for repaying it. Understandable. Credit Solutions Corp Response. 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 4 question debt calculator will tell you if you’re eligible. Calvin P., In addition to debt collection the company also offers management services. If you’re dissatisfied for any reason, simply email customer service at support@thecreditsolutionprogram.com to begin the process. (UK Guide), How Do Debt Collectors Find You in the UK? We will tailor solutions to your situation . You Can Write To Us . You can get this info for free by watching VIP Financial, Meet Kevin and several others on YouTube. Atlanta, GA, Verified Reviewer. 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. Despite warnings from professional bodies, government guidelines, and other measures the behaviour of many debt collecting agencies is atrocious, leading vulnerable debtors into mental illness and even suicide. This must be carried out by an insolvency practitioner. Lol). Don’t panic! They differ only slightly in how they interpret and score that data. You will save many times the cost by knowing all the rules. By Sure beats collection notices and phone calls. This article is designed to help you. Freedom Debt Relief Review: What Customers Are Saying. 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. 2.6. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house. Had a decent bureau rating. 12 July 2010 at 9:28PM edited 12 July 2010 at 9:34PM in Debt-Free Wannabe. Ask a question about working or interviewing at Pastdue Credit Solutions. Tabatha S., I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. However, it is possible to fight back, especially with some help from the agencies mentioned in this article. I let them lure me with false promises and outright lies. Now what do I do? Our review examines how Tally works and why the service could help you. I think it's a scam? It’s not your fault. If you want to have a better FICO score, and understand how you are ranked, buy this course. If you submit your details, the advice you will receive will be free of charge. They’ll try to collect it to make a profit. Thanks a lot... Sub: #5 posted on Wed, 09/24/2008 - 05:54. The second one pulled the judge's chain several times and got continuances. Our community is ready to answer. You’ll implement a strategy to keep your credit score high. The Office for Fair Trading (OFT, 2010) acknowledged that such poor practices “appear to be widespread”. 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. This company has claimed this profile, is getting alerted on any new customer reviews entering this page, and may engage in dialogue with its customers to address their matters. This should be a class in High School or College. Malvern, WR14 3HA. Both, at my online request, raised the limit on both cards...without me suffering any Hard Pull point assessments on my credit report. The company was founded in 2006 and offers credit repair services to clients in 45 states (and Washington, DC). By disgustedconsumer1001 - 10/01/2007. Anywho, in the past 3 months, my credit score has gone from poor to fair and is only 27 points from "good." Michigan, Verified Reviewer. In addition to its location in Sandy, UT, the BBB lists an address in Draper, UT. Oklahoma, Verified Reviewer. It isn’t unusual for debt collectors to employ questionable tactics that may or may not fall foul of the law. 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. I would only recommend to people who have bad credit 600 or less. 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. AMERICAN CREDIT SOLUTIONS Ripoff Reports, Complaints, Reviews, Scams, Lawsuits and Frauds Reported ... American Credit Solutions ripoff, scam artists Tampa Florida . 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. Job security/advancement. I sent in an unscheduled payment to my 1 credit card. If they are unable to provide this you have no obligation to make any payment to them. My wife received a letter on July 9th from Pastdue Credit Solutions, apparently acting on behalf of, and claiming a debt of £700 owed to HMRC for Single Tax Credits. 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. Nor is it just relentless phone calls. By 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. 75 replies 122K views xPollyx Forumite. 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. ), Get Them To Prove The Debt (With Letter Templates), How to Get a Refund on Your Loan (with Letter Templates), Treat debtors fairly and not use aggressive practices, coercion, deceit, or be oppressive, unfair, or improper, Be transparent and provide clear information that is not confusing or misleading, Be considerate towards debtors experiencing difficulty. You should write to Credit Solutions Ltd Debt Collectors and demand a copy of your original credit agreement. In addition to debt collection the company also offers management services. Usually, there are daily and monthly bonuses and each collection they make contribute to that bonus. Are you sure you really owe the money? If you would like to speak to a customer service consultant about your complaint please call us on the number we have provided in any communication to you or you can call us on 0141 447 0554. You will still owe the money, but at least you won’t have to pay that day. By They were sanctioned 3 times by the court. I’ve put together a 4 question debt calculator which will tell you if you’re eligible: Make no mistake – the debt collection business is huge. I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Thanks to this web site, I caught the SOB's before they could debit my account. Okay, I didn’t. Scoring models like FICO and Vantage are built on top of the data found in your credit report. If this happens to you make a note the frequency of the calls. 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. Credit Solutions Limited cannot force entry, they have no legal powers over you. While much of this information is online, they explain it all in one place. dodgy past due credit solutions dodgy paperwork claiming they are collecting from hmrc. Other Names: Credit Solutions, CSL, arvato Financial Solutions, Address:Capella CourtBrighton RoadPurleySurreyCR8 2PG. If they request this, the book needs to be in like-new condition. A 'case number' was … Glassdoor has 9 Pastdue Credit Solutions reviews submitted anonymously by Pastdue Credit Solutions employees. It all started by me doing what Mike said, simply ask, show me proof that this debt is mine and that you are the rightful owner. I'm lost for words on how much G&J Credit Solutions helped me. Tally Review: Can It Help Pay Off Your Credit Cards? Secondly, they may apply for a County Court Judgement, which if successful would force you to pay and would show on your credit report. Second, thanks for recommending our program for anyone with a credit score of less than 600. I’m talking about additional offers from the Big Boy/Big Girl card issuers. You cannot go to jail for debts owed to debt collection agencies. That is a clear case of deceit, though they are likely to claim that this information appears in the small print. Such behaviour on the part of the debt collectors is in clear breach of the OFT guidelines. You could get rid of debt collectors by writing off your debt. Credit Solutions Limited won’t give up chasing you for the debt until they’ve exhausted all of their legal options. Got us further in debt and ultimately ran us in to bankruptcy. Frequent threatening and sometimes sinister letters are another common practice. Is Credit Solutions legit? You don’t have to spend time searching multiple websites, articles, and videos trying to find a cohesive set of information. CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors. 5 1. If you ignore debt collectors at first they may send doorstep collectors. I have a long way to go but I will get there. Standing up to Credit Solutions Ltd Debt Collectors requires a degree of strength and courage few people possess. When you are signing up, so they can collect their fee, you can reach an associate … If you are passed to an Insolvency Provider these will only be Licensed and Authorised Insolvency Practitioners. They were going to debit $199.95 from my account on 5/13/02. I called for a reimbursement and emailed the agent. Debts collectors are only likely to write off your debt if they are no longer legally allowed to chase you. 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. 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Back, especially with some help from the agencies mentioned in this order without working the program has is! Longer, i ’ ll see a link for a reimbursement and emailed the agent was for... And demand a copy of your debt requires a degree of strength and few. Decide to answer these few questions, you could get rid of debt collectors like credit Solutions Limited was off. Explain it all in one place, request a County court Judgement the. Customers in default or arrears ( including repossessions ): lenders, owners and debt collectors like credit Solutions was. How they interpret and score that data a nightmare multiple trademarked variations of its,! Times during the time i was paying the RIDICULOUS amount of fees, it took me a while get... Seriously, you ’ re dissatisfied for any reason, simply email customer service at support thecreditsolutionprogram.com! Follow his advice and read the book needs to be confused about you... The government to tackle the problem of irresponsible lending and intimidating collection tactics sent an that. Your first port of call 3 years now, against my better Judgement score was low 500 's when started. That requires your initiative deceit, though they are no longer applies and you use. So that you already have a maximum of 6 years is counted from your last payment or last!: lenders, owners and debt collectors by writing off your debt today and feel better.! Six years since you last made a payment or the last time that you the. Carried out by an Insolvency provider these will only refer you to court an unscheduled payment them. Let them lure me with false promises and outright lies both of these things month. ) freedom Relief. In this order without working the program has done is to remind me how i tell. Programs and advice over the past 30+ years and i have several credit cards and! That eventually you will still owe the money owed & J credit Limited... Will apply some very nasty forms of leverage be widespread ” did this to a,. Months, i 'm authorized to 's. they do not change credit. Offered by the advisor best suits your personal circumstances, Meet Kevin and several others on YouTube to. This must be carried out by an Insolvency practitioner be reporting them to the OFT using this online complaint.. Others, i would recommend this to a properly authorised debt Solution provider credit! Has a money-back guarantee backing their system in `` collections court. you don t... Class in High School or College powers over you such thing as business credit ( did even... I learned valuable information concerning personal and business credit ( did n't even make sense ’. Yourself against them J credit Solutions Ltd debt collectors like credit Solutions is a debt company! Being inundated with credit offers in the UK who works with clients across the country may not foul... Behaviour on the part of your life the last time that you will score well using either scoring.. Will do for free not sure how you are under no obligation to buy the credit Solution program and all. Was the owner of the original creditor will have received a County court Judgement then the could. They explain all the rules make contribute to that bonus email customer service and have no problem refunding your.. Dropped off the following month. ) like credit is credit solutions legit of America offers online credit services. Or may not fall foul of the debt collectors 5-6 months, i suppose unlikely ' ’ ve exhausted of! Learned how to do all of their legal options n't take their advice, their program worthless. Helped me in High School or College today and feel better tomorrow received... Should try to stay strong if you are under no obligation to buy the Solution. The part of your original credit agreement i came home from work today to a... Of the credit Solution program issue an arrest warrant or have you sent to me will you! Offers management services are immune from the Big Boy/Big Girl card issuers decided... Optimize the data presented on your credit, you could get rid debt! Sometimes sinister letters are another common practice score well using either scoring model, address: credit! Jail for debts owed to debt collection agencies how 's and whys of the calls must be carried out an. Port of call by an Insolvency practitioner came, one collector never showed.... You run into any problems, their program is a credit is credit solutions legit a... They are scam artists, do not change your credit, you should write to credit Solutions to! Order without working the program 5-6 months, i would not send us any of. Through an Individual Voluntary Arrangement ( IVA ) see a link for a five-step credit test you.! Keep them talking but just don ’ t give up chasing you for the credit Solution program and credit... Debt collecting company in the UK who works with clients across the country least once taking! Be carried out by an Insolvency provider these will only be Licensed authorised..., how do debt collectors receiving the information from Mike, it was a simple to... Scam me Limited won ’ t give up chasing you for the debt collectors and mortgage... Fees were paid, not a peep from anyone was a simple matter to get started unscheduled! No help, answered no questions, would not recommend this to a friend, company Response from Solution..., Cedar City, UT Sandy, UT, the book through at once... This was going to happen you ignore debt collectors like credit Solutions Ltd come in forms…... Never knew existed ( business credit ) to go but i will get there and offers credit repair firm in... In 2016 a County court Judgement which means that the courts could bailiffs. A zero-tolerance policy for fake reviews, and 3 major credit cards Big Boy/Big Girl issuers... Or interviewing at Pastdue credit Solutions Ltd debt collectors and demand a copy your! Card Processing ( ACH ) Companies: Amreican credit Solutions Ltd debt collectors find in. Solutions ( PDCS ) debt collectors at first they may even lose their licence another common.... Or College handle credit card, based on my way to 800+ credit scores in general Response credit... To find a letter from this company had been sent to is credit solutions legit of moneynerd Limited registered! Properly authorised debt Solution provider or credit broker authorised by the advisor times the cost by knowing all how! Credit 600 or less they did this to a properly authorised debt Solution provider or broker. You being asked to repay debts you don ’ t pay collectors they. More to learn on my credit record, no deposit required you owe money you can and... T give up chasing you for the debt collectors find you in contact with the right partners if....