Read employee reviews and ratings on Glassdoor to decide if Pastdue Credit Solutions … Thank you for your help! I sent 9 letters out and of course, they all came back as valid debts. 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. I called for a reimbursement and emailed the agent. 2.9. That is a clear case of deceit, though they are likely to claim that this information appears in the small print. Michigan, Verified Reviewer. But there is help out there. It is quite likely that the original debt, if there was one, has been inflated by various charges and interest. Act proportionately taking into account debtors’ circumstances. Asked on Thu, 12/05/2013 - 18:25 anonymous. Credit Solutions Limited was owned by Nenad Laube, a Swiss resident. Ratings by category. 2.6. However, you should check who you are dealing with as Arvato Financial Solutions Ltd uses “Credit Solutions” as one of its trading names. Under the Limitation Act 1980 they have a maximum of 6 years to chase a debt. If you want to have a better FICO score, and understand how you are ranked, buy this course. This article is designed to help you. 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. Nor is it just relentless phone calls. the credit solution is not a scam nether is the credit report you can get the report anywhere for free if you choose to continue the service of that company it is on you. Tell the agent that you will be reporting them to the Financial Ombudsman. I phoned UK Credit Ltd who instructed they ONLY do guarantor loans. The company was struck off in January 2020. Credit Solutions Limited was struck off in January 2020. Thank you so much. © Copyright 2013-2021 HighYa LLC. You’ll recognize the factors that can increase or decrease your score. 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. 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. Instead, they offered NO help, answered no questions, would not send us any documentation of our phone calls, etc. 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. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Debt collectors like Credit Solutions Ltd come in several forms…. Tabatha S., I would not know how to do all of these things in this order without working the program. They likely have bought your debt for cheap from a company like Capital One, MBNA, O2, Paypal, eBay or another loan company. They could, however, request a County Court Judgement which means that the courts could send bailiffs. 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. Only downside? You’ll know how to create an action plan to regain control over your finances. The Office for Fair Trading (OFT, 2010) acknowledged that such poor practices “appear to be widespread”. I also just was approved for my 2nd credit card, based on my credit record, no deposit required. 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. Thanks to this web site, I caught the SOB's before they could debit my account. The Credit Solution Program is a credit repair course that claims to give you an “action plan” for improving—and maintaining—your credit rating. You will save many times the cost by knowing all the rules. Michigan, Verified Reviewer. Thanks a lot... Sub: #5 posted on Wed, 09/24/2008 - 05:54. 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. You’ll understand the importance of your credit, and how it can impact almost every part of your life. By You could get rid of debt collectors by writing off your debt. Ask a question about working or interviewing at Pastdue Credit Solutions. Second, thanks for recommending our program for anyone with a credit score of less than 600. NOTHING in any of those documents said I was the owner of the debts. My only issue was not being able to reach someone to answer a few questions for me and I ended up asking for a refund, and I received my refund with no issue. If you run into any problems, their FAQ is fairly detailed. 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. While much of this information is online, they explain it all in one place. A full list of providers is supplied here; To see how we use, store and share your contact information please read our Privacy Policy. If you don't take their advice, their program is worthless. I had it all wrong like many others, I’m sure. 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. According to the Credit Solution Program Website, their primary goal is to provide you with solid information and actionable advice about credit, debt, and personal finance-related topics, using informational and engaging books and other training products. They’ll try to collect it to make a profit. I want my 20$ back if not they will owe me more. It is not a magical program. Within 5-6 months, I was pulling an 805 and 801 on Equifax and TransUnion, respectfully. The tips Mike gives are good as well. 3.0. creditresourcesolutio ns.co.uk. No news yet they may be closed. 2 Answers . Our community is ready to answer. Followed Mike’s advice and cleaned up some stuff that didn’t belong. They did this to … I’ll explain why you might not need to pay them back! The former should be your first port of call. Credit Solutions of America offers online credit repair services with a low monthly cost and a 100% satisfaction guarantee. 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. 5 stars!! Also you can get a free report and score from the credit bureau once a year or if you are unemployed and looking for work or if you have applied for credit or a loan and been turned down. Arvato Financial Solutions Ltd, which trades as Credit Solutions, can be contacted via phone or by email via a contact form on their website. Many different credit repair programs and advice over the past 30+ years and I can tell you this one rocks! After receiving the information from Mike, it took me a while to get started. I have a long way to go but I will get there. Answer the four questions now. Thanks Mike! This a scam do not trust. Sure beats collection notices and phone calls. I think it's a scam? They likely have bought your debt for cheap from a company like Capital One, MBNA, O2, Paypal, eBay or another loan company. Helpful? Our program helps you optimize the data presented on your credit report so that you will score well using either scoring model. Author: williamstown, Vermont. This credit repair program provides some clear advantages. Hi Joseph, first of all, thanks for recognizing our great customer service and the fact that you were issued a prompt refund as soon as you let us know you were unsatisfied. Glassdoor has 9 Pastdue Credit Solutions reviews submitted anonymously by Pastdue Credit Solutions employees. 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. CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors. If you have received a County Court Judgement then the courts could instruct bailiffs to come to your house. 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 have used Credit Solutions since 2015. 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. Credit Solutions Limited was struck off in January 2020. Unregistered. It’s not your fault. 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. 3 days later Verbally Loan-Solutions.co.uk said a lender has come forward and 'may' want a guarantor "but this is highly unlikely'. Aug 25 2003 03:50 PM . 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. We can point you in the right direction if you need specialist advice on subjects from debt advice, to help with welfare and employment. They do not charge a $4.95 fee to cancel. If a County Court Judgment is raised against you the Limitation Act no longer applies and you can be chased indefinitely. If any of these questions relate to you, don’t panic! Following the procedures has helped so much. 2.6. If they request this, the book needs to be in like-new condition. Ive just recieved a letter addressed to me from Past Due Credit Solutions Ltd with a … Do you owe money you can’t repay? And if you charge, pay it off the following month.). The downside to the program is that, if you have the time to do your own research, you could easily find their information in other places. If you’re eligible for the new government scheme, you could write off up to 85% of your debt! Tatiana M., I’m talking about additional offers from the Big Boy/Big Girl card issuers. Bottom Line: No, I would not recommend this to a friend, Company Response from Credit Solution Program. 4 2. Cedar City, UT, Verified Reviewer. DISMISSED! However, it is possible to fight back, especially with some help from the agencies mentioned in this article. I have tried. This is typically six years since you last made a payment or last acknowledged the debt. They had my full name and current address. 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