Credit Resource Solutions Debt Collectors are a debt collection agency who chase up debt on behalf of other companies. If you are in debt and this company is contacting you, you may be wondering what to do and where to turn. This article will help you understand more about Credit Resource Solutions Debt Collectors, who they are and how to deal with your debt.

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Who are Credit Resource Solutions?

Credit Resource Solutions, also know and CRS Debt Collectors, are a debt collection agency based in Halifax, West Yorkshire. The company was formed in 2003 and is currently owned by Andrew and Julie Calvert. They are authorised and regulated by the Financial Conduct Authority. They are also a member of the Credit Services Association and abide by the CSA Code of Practice.

They claim to use an innovative, technology-based approach to debt collection. In practice, that means that they bombard people with threatening letters, phone calls and messages until they give in and either pay up or agree to a repayment plan which will result in the debt being settled over time by weekly or monthly instalments.

However, they also have a division called Eagle which uses the UK’s legal system to recover debts on behalf of their clients, although that division says that it aims to avoid having to take formal legal action by “rehabilitating” people who owe money.

3rd Floor West, Bowling Mill, Dean Clough, HX3 5AX

Registration Number:

01422 324 510

[email protected]

Don’t worry, here’s what to do!

You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:

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This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

Why are Credit Resource Solutions Debt Collectors contacting me?

If Credit Resource Solutions Debt Collectors are contacting you about your debt, you may be confused, as you might not have heard of them before. This is because the debt will not be with Credit Resource Solutions Debt Collectors, it will be from another company such as a bank or credit card company.

It is important to be aware of the legislation from The Office for Fair Trading (OFT, 2010) which states that debt collection agencies should not harass you. If they are doing this, you can report them and make a complaint.

Finding out if the debt is yours

If you don’t remember this debt, make sure you get as much information as possible on it. Don’t just pay the debt because the debt collection agency is chasing you. Ask them to send a copy of the credit agreement from the original creditor. You should write to Credit Resource Solutions Debt Collectors and demand a copy of your original credit agreement. You don’t need to pay the debt if they cannot provide any evidence.

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What if you can’t pay the debt?

If you can’t pay the debt Credit Resource Solutions Debt Collectors are contacting you about, there are a few different options. You may be able to make a partial payment to clear off the debt, or set up a repayment plan. You should make sure you can afford to keep up the repayments though. Do not set up a payment plan which will leave you struggling to pay your other essential bills.

Are debt collectors ruining your life?

It seems to be common practice for debt collectors to be extremely persistent when it comes to getting their money. You may arrange to make payments, but they still insist on contacting you or you might have informed them that you can’t any payments right now, but they just keep calling you and sending letters anyway.

This sort of behaviour can be extremely distressful and it is against the legislation for debt collection agencies and how they should behave. If Credit Resource Solutions Debt Collectors are using these kinds of tactics, for example, constantly calling or emailing to get in touch with you, and interrupting your life, you can make a complaint about their behaviour.

Credit Resource Solutions Debt Collectors – their responsibilties

The Office for Fair Trading (OFT, 2012) has a set of guidelines which must be adhered to by debt collection agencies. These include:

  • Debtors to be treated fairly, with their circumstances in mind.
  • Information to be clear, concise and not misleading.
  • Empathy should be used when dealing with debtors.

If Credit Resource Solutions Debt Collectors are failing to meet with these guidelines, you can make a complaint about their practices.

You should be aware that debt collection agencies often pretend to be a separate company, when they are actually just an extension to the company they are chasing the debt for.

Why are Credit Resource Solutions Debt Collectors persistent about the debt?

In order to be able to deal with debt collection agencies, you need to understand how they work – and why they are so desperate to get hold of the money.

They work on bonuses

There is often an incentive for Credit Resource Solutions Debt Collectors agents to work harder and be more persistent, and that comes in the form of a bonus. They know that if they can eventually get hold of you, they may be able to get you to make a payment, no matter how small and this can help with their bonus. You should not be hassled into making payments that you can’t afford though.

No payment, no profit!

Debt collection agencies like Credit Resource Solutions Debt Collectors buy the debt from the original credit company, usually for a fraction of the price. They don’t make a profit until you make payment, which will explain why they are so persistent when they call you.

Regardless of the reasons for the call, they must not breach the OFT guidelines. If they do this, you can report them to the Financial Ombudsman.

Dealing with calls from debt collectors

Your first thought when debt collectors call is probably to just ignore the phone. As tempting as this may be, it won’t resolve your problems and in fact, may even make them worse. It is always better to speak to the debt collectors, even when you don’t want to, as they won’t just disappear – and neither will your debt. Speak to them and arrange to pay the debt off, or at least set up a repayment plan.

What if they have spoken to others about your debt

Debt collectors have no right to discuss your debt with other people, even your partner. The debt is your business and no one else’s. If they do discuss it with anyone else, they are acting illegally, which breaches OFT guidelines and privacy laws.

If they are acting in this way, you can report them to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Would they lie to you?

It is not particularly unusual for debt collection agencies to lie about what they can do if you don’t pay back the debt you owe. For instance, they may threaten to visit your home and take your assets to make up the payment.

This can be understandably stressful, but they can’t do this, so even if they say they can, it is untrue. If they do insist on visiting your premises, you can contact the police, as they have no right to threaten you.

Debt and Stress

It is very difficult not to get stressed when you have debt collectors such as Credit Resource Solutions Debt Collectors on your case, especially since they are usually relentless in their pursuit for their money. However, try to refrain from getting upset and stressed, as this won’t help you resolve your situation. The best thing to do is take action to resolve the issue, while maintaining a cool head.

Is your debt out of hand?

Sometimes debt problems are too advanced to be able to deal with, especially if you have a low income, or no income at all. At these times, it is a good idea to seek some help from not-for-profit organisations, these are some of the most popular organisations who can give you advice on your debt problems.

  • Citizens Advice Bureau (CAB) one of the best organisations to help provide debt support. They are experts at giving advice and offer a completely free service.
  • Christians Against Poverty (CAP) another not-for-profit service who offer debt advice and support.
  • StepChange provides free online debt advice and helps you to take charge of your debt issues.

Can you right off your debt?

You can right off some of your debt through entering into an Individual Voluntary Arrangement (IVA). With this agreement, you come to an arrangement with your creditors to pay back some of the debt, with the ability to right off a chunk of it. This is an attractive option for those who have serious debt issues, and no way of making payments.

What to do next

You should try your best to make payments, as the debt won’t just disappear. However, there are other steps you can take to deal with your debt, including seeking debt advice from not-for-profit organizations or entering into an IVA. If debt collectors are hassling you, you may report them and they could lose their licence.


What happens if fail to respond to debt collectors?

It is important to speak to debt collectors, even if you are not able to pay them. If you simply just ignore them, there is ever chance that they will send debt collectors round to your door to recover the debt. They may even take it further by applying for a County Court Judgement, which could end up showing on your credit report. The best course of action is always to speak to them.

Will Credit Resource Solutions be able to take you to court?

Credit Resource Solutions have the ability to take you to court, to get the money back that you owe. When this happens, you will receive a CCJ (County Court Judgement) and this could affect your credit score.

Could you get sent to jail for debt collections?

Debt collection agencies do not have the ability to send you to court as a consequence of the debts you owe.

Can you just ignore the CCJ?

If you decide not to respond to the CCJ, you won’t end up in prison, but there is a possibility that bailiffs will come to your home to collect goods, which will cover the cost of the debt you owe.

Can Credit Resource Solutions issue you with a warrant?

Credit Resource Solutions do not have the right to issue you with an arrest warrant, or get you put in prison. However, they can get a CCJ, which could cause you to end up with bailiffs who may take some of your goods to cover the cost of the debt.

Are Credit Resource Solutions operating as bailiffs?

Credit Resource Solutions do not operate as bailiffs, however, they have the right to request a CCJ against you, which means that the courts would be able to send bailiffs to your home. This doesn’t happen instantly, you would receive many warnings before they would do this.

Will Credit Resource Solutions visit your home?

Credit Resource Solutions sometimes send people to your home to try and get the payment for the debt. They do not have any legal powers though, which means you can ignore them or ask them to leave your property. If they obtain a CCJ for you, they would be able to get bailiffs sent to your home, through the courts.

Will Credit Resource Solutions be able to force entry?

Credit Resource Solutions will not be able to force entry, as they do not have any legal powers. The only way this could happen is if bailiffs are involved, but you would be warned about their intentions to do this.

Will Credit Resource Solutions ever go away?

Credit Resource Solutions will not stop chasing the debt, and they will look at all legal options to obtain the money. It is not worth ignoring them in the hope that they will go away, as this is very unlikely. They may chase you for as long as 6 years.

Will the debt become too old to collect?

The debt can become too old for the debt collectors to collect. There is the Limitation Act 1980, which gives debt collectors up to 6 years to collect the debt. The 6 years takes place from the last time you made a payment or you spoke to them about the debt.

Is there a legal length of time for collecting debt?

Debt collectors can chase for a maximum of 6 years. However, if they have raised a CCJ against you, the Limitation Act 1980, as mentioned above, will not apply and this gives them the right to chase you for the debt for as long as they wish. This means that they have the ability to chase the debt until they decide to give up (if ever!)

Will the debts ever be written off?

You can get your debt written off by entering into an IVA. This allows you to pay a certain amount and the rest is written off. You may also be able to agree a partial payment with the debt collectors, which means you pay some of the debt, and they right off the rest of it.


CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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