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Credit Resolution Services – Here’s What to Do

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By
Scott
Scott Nelson Profile Picture

Scott Nelson

Managing Director

MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.

Learn more about Scott
&
Janine
Janine Marsh Profile Picture

Janine Marsh

Financial Expert

Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.

Learn more about Janine
· Feb 7th, 2024
Could you legally write off some debt? Answer below to get started.

Total amount of debt?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

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Credit Resolution Services

For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.

If you’ve received an unexpected letter from Credit Resolution Services about a debt, don’t worry; you’ve come to the right place for answers. Our website is visited by over 170,000 people each month for guidance on debt problems.

In this article, we’ll help you understand:

  • Who Credit Resolution Services are, and if they are a real company.
  • How to check if your debt is legitimate.
  • What to do if you can’t afford to pay.
  • How to deal with letters or visits from Credit Resolution Services.
  • Options for writing off your debt legally.

We understand that getting a letter like this can be a bit scary, as we’ve been there ourselves and know how you feel. We’re here to help you through the situation with clear, easy-to-follow advice.

Let’s dive in and explore your options with Credit Resolution Services.

Could you legally write off some debt?

There are several debt solutions in the UK, choosing the right one for you could write off some of your unaffordable debt, but the wrong one may be expensive and drawn out.

Answer below to get started.

How much debt do you have?

This isn’t a full fact find. MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

Credit Resolution Services letters

Credit Resolution Services will use whatever contact information they hold to contact you and get you to pay. They’re most likely to send you a letter informing you of an outstanding debt and requesting you to pay. They should also offer to accept a payment plan when you’re financially struggling. 

The letter might threaten legal action if you don’t make the payment by a certain date, and/or it could state they will add late fees. There is a chance that these legal threats are real and they might be planning to take you to court. Although, they could just be scare tactics to “encourage” you to pay. 

Should I pay Credit Resolution Services?

You might have to pay Credit Resolution Services if you owe them money and want to avoid legal action taken against you. But before you make a payment, you should check to see if your debt is still enforceable and ask Credit Resolution Services to prove you owe the money. 

Check if your debt is statute-barred

Some debts that have not been collected within six years (or acknowledged) become statute-barred. This means the company cannot take you to court over them, and therefore you can never be legally responsible to pay. You should check if the debt CRS is chasing is still enforceable before agreeing to pay. You might not have to pay them a dime! 

You can learn more about statute-barred debts here

» TAKE ACTION NOW: Fill out the short debt form

Send CRS a prove the debt letter

It’s worth asking Credit Resolution Services to prove you owe the debt before paying, even if you know you owe the money. CRS must be able to provide evidence that you owe the debt, such as a copy of an agreement you signed. 

We have made it easy for you to request proof of the debt the right way. Download our prove the debt letter template for free now. It’s simple to add your information and fight back against Credit Resolution Services. 

If CRS prove the debt you should either pay in full or agree on a payment plan to avoid potential court action. But only do this if the debt isn’t statute barred already. 

How a debt solution could help

Some debt solutions can:

  1. Stop nasty calls from creditors
  2. Freeze interest and charges
  3. Reduce your monthly payments

A few debt solutions can even result in writing off some of your debt.

Here’s an example:


Situation

Monthly income £2,504
Monthly expenses £2,345
Total debt £32,049

Monthly debt repayments

Before £587
After £158

£429 reduction in monthly payments

If you want to learn what debt solutions are available to you, click the button below to get started.

Get Started

CRS didn’t prove I owe the debt

f Credit Resolution Services don’t prove you owe the debt, you’re not obligated to pay until they do. If they don’t prove the debt and take you to court, you should provide the judge with your requests for proof of the debt that wasn’t properly replied to. This can help you win in court. 

Credit Resolution Services reviews

Credit Resolution Services has received over 450 reviews on Trustpilot. They have quite a split of opinions with 60% of reviewers giving them five stars and 32% of reviewers giving them one star. 

Here are some of the differences in opinion:

“Awful company. Made regular payments on time but would still be constantly harassed by text messages/phone calls saying I hadn’t paid. Sent a complaint and they stopped… until the next month when they start again even when you’ve paid.”

-Toyah (Trustpilot)

“Simple way forward easy to set up a payment plan.”

-Barry (Trustpilot)

Can Credit Resolution Services come to my home?

Credit Resolution Services aren’t enforcement agents and cannot come to your home or try to repossess goods. They can only contact you within sociable hours to ask you to make a payment or agree to a payment plan. 

If Credit Resolution Services take you to court and win the case, they could employ bailiffs to recover the debt. This would add further expense to the amount you owe. 

Thousands have already tackled their debt

Every day our partners, The Debt Advice Service, help people find out whether they can lower their repayments and finally tackle or write off some of their debt.

Natasha

I’d recommend this firm to anyone struggling with debt – my mind has been put to rest, all is getting sorted.

Get started

Reviews shown are for The Debt Advice Service.

How do I contact CRS by phone?

There is no Credit Resolution Services contact number for debtors. The company asks for contact to be made via their website and online portals. However, you could try calling the corporate department on 01422 324 510. 

Checking for Other Debt Collectors

There are a lot of ways to get into debt. In fact, it’s not uncommon to owe money to several companies at once.

Perhaps you have a mortgage, a car loan, a couple credit cards and an item or two you bought on buy-now-pay-later schemes. It’s easy to lose track

That’s why it’s important to regularly check your credit report and bank statements to make sure you haven’t missed anything.

If a debt collector has purchased your debt, it appears on your credit report.

Some of the debt collectors you’re most likely to come across are PRA Group, Lowell and Cabot Financial

Credit Resolution Services Contact Details

Address: 2, Rockwood House, 9-17 Perrymount Road, Haywards Heath, West Sussex, RH16 3TW
Phone: 01444 449165
Could you legally write off some debt?

Answer below to get started.

How much debt do you have?

This isn’t a full fact find, MoneyNerd doesn’t give advice. We work with The Debt Advice Service who provide information about your options.

The authors
Scott Nelson Profile Picture
Author
MoneyNerd’s founder, Scott Nelson, has a decade of financial industry experience, including 6 years in FCA regulated loan and credit card companies. Troubled by a lack of conscience in the industry, he founded MoneyNerd to give genuine advice to those in debt and struggling financially.
Janine Marsh Profile Picture
Debt Expert
Janine Marsh is an award-winning presenter and a valuable member of the MoneyNerd team. With a wealth of experience as a financial expert, she's been featured on BBC Radio 4, BBC Local Radio, and BBC Five Live, and is a regular on Co-op Radio.
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