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Credit Solutions Ltd Debt Collectors (CSL) – Should You Pay?

Credit Solutions International Debt Collectors

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Credit Solutions Ltd Debt

Are you fed up with being contacted by Credit Solutions Ltd Debt Collectors? Do you have debt but you can’t repay it?

Maybe you have already cleared the debt and don’t have a clue as to why they are contacting you in the first place?

If these are some of the concerns you are having or you have other similar issues with Credit Solutions Ltd Debt Collectors, we suggest you keep reading as even if you owe it, you might not need to pay it back! Find out how!

It’s not your fault. 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.

Deal with your debt today and feel amazing tomorrow.

Beating Debt Collectors

There are several ways to deal with Credit Solutions Ltd and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

Credit Solutions Ltd Debt Collectors

Who are Credit Solutions Ltd?

Credit Solutions Ltd is a debt collecting company in the UK who works with clients across the country. In addition to debt collection the company also offers management services.

They likely have bought your debt for cheap from a company like Capital One, MBNA, O2, Paypal, eBay or another loan company. They’ll try to collect it to make a profit.

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fight back when you get a debt collection letter

Why do Credit Solutions Ltd Debt Collectors keep contacting you?

Have you received a letter from this debt collector? I’ll buy it off you for £5

Debt is a major problem and although this is great for debt collectors, as they get plenty of business. It is not good for those who suffer from debt problems.

There are all kinds of debt collectors. They may operate together with the creditor you have the debt with, or they may work completely independently. They are not the ones you have the original debt with, they work on behalf of the credit company.

Debt collectors can get a really good deal here, as they snap up the debt at a low cost, and they make money as soon as that cost is covers.

In some cases, they may purchase a debt worth £3,000 for only £600, so they could realistically make a profit of £2,400 just for calling you up to get the debt.

Now, this will explain why they can be quite aggressive in their attempts to recover the debt. If they don’t get payments they lose money, but if they do, then they make a decent profit.

This has, unfortunately, led many debt collectors down the wrong path and to the point where they can become quite abusive towards debtors. They act this way as they are determined to get the debt paid, and it seems that this behaviour is quite widespread.

Feeling like Chandler?

how to debt

Is all this information starting to feel overwhelming? Don’t panic! There’s plenty of help available. You can get started below.

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check if you owe the money

How do you know if this is really your debt?

Make sure you get them to prove the debt! If Credit Solutions Ltd have just suddenly contacted you from out of nowhere and you have never even heard of them before, you may be wondering it this is all legitimate.

Remember, you don’t have the debt with Credit Solutions Ltd, so there is every chance that you don’t recognise them. The debt will also be higher than you remember, if you do recall it, as there will be additional charges and interest on it.

The best thing to do in this situation is to write to Credit Solutions Ltd with a request for a copy of the credit agreement. You should not make any attempts to pay the debt, until you receive this from them.

You should write to Credit Solutions Ltd Debt Collectors and demand a copy of your original credit agreement. If they are unable to provide this you have no obligation to make any payment to them.

Follow my ‘prove it’ guide with letter templates and get them to prove that you owe the money.

Will they make you pay?

Not exactly. Credit Solutions Ltd can’t exactly force you into paying, and they shouldn’t try to do this, but if they sent you the credit agreement, and it is your debt, you should make an attempt to pay it.

You don’t need to pay it all straight away, although that would be the ideal outcome, but you can set up a repayment plan with them to pay it at a rate that suits you. There is the possibility of clearing your debt with a partial payment. Credit Solutions Ltd will usually agree to this if they will still make a profit.

How debt collectors can ruin your life

Is it normal for debt collectors to affect your life?

Yes. Everyone reacts differently to pressurised situations. Some people can shrug it off, while others let it destroy them. Unfortunately, debt collectors often employ destructive tactics in an attempt to get you to pay the debt, and these can be quite distressing, depending on how you react to these situations.

Regardless of how you handle these situations, it is certainly not enjoyable to have Credit Solutions Ltd Debt Collectors on your case.

It is particularly problematic if they are continuously trying to contact you by every means possible, such as phone and emails. This is too much for some debtors to handle and it can lead to feelings of distress and even depression.

The debt support trust went as far as to say that some debtors even feel suicidal because of their debt problems.

They believe that the problem is so bad that there is no possible way out. It got so bad that the government were even asked to take charge of an escalating situation.

They took steps to tackle both irresponsible lending in the debt collection industry, and intimidating behaviour. This led to significant changes in the legislation – and these have made a difference.

Credit Solutions and the Law

Credit Solutions Ltd Debt Collectors and what the law tells us

The Office for Fair Trading (OFT, 2012) felt that the time had come for them to put in some guidelines for the sake of offering protection to borrowers. According to these, debt collectors such as Credit Solutions Ltd Debt Collectors have a responsibility to:

  • Always act fairly when dealing with debtors and avoiding using deceit or aggressive practices to try and recover the debt.
  • Ensure that all information provided to the debtor is clear, concise and does not cause confusion.
  • Show consideration towards debtors, especially when they are facing financial difficulties.
  • Take the debtors’ situation into account, before determining the best course of action.

If Credit Solutions Ltd Debt Collectors are not following these guidelines, and are treating you unfairly, you would be able to report them for this behaviour to the OFT. In some cases, the OFT will even take away their license, if they deem it to be necessary.

If you want to make a complaint about Credit Solutions Ltd Debt Collectors, you can do it via this online complaint form.

You should be aware of some the typical lies that you might hear from Credit Solutions Ltd Debt Collectors. They may say that they are bailiffs or that they will take court action against you. Deceit is not permitted according to the regulations, and you would have a strong case for reporting them for this.

Understand how they operate

The key facts about Credit Solutions Ltd Debt Collectors

It is important to try and understand the way debt collectors operate, as it will put you in a much better position to be able to deal with them, and to understand your rights.

The agents may earn bonuses

The first thing to understand about Credit Solutions Ltd Debt Collectors is in terms of why they behave the way they do. When you understand this, you will have greater knowledge of how to deal with them. The truth is that the agents that call you up from Credit Solutions Ltd Debt Collectors will probably be getting bonuses, depending on the payments they collect. This is why they are persistent, as they lose money if they don’t get money from you when they call you up!

You know why they are doing it, but it doesn’t give them any ammunition to start treating you unfairly. Their bonus is not really your concern, and you must only pay the debt if and when you can afford it. Don’t pay the debt to get rid of them, and leave yourself without any food or ability to pay your rent.

Call technology is common

If you are receiving calls from Credit Solutions Ltd Debt Collectors on a daily basis, there is every chance that its an automated call, rather than an agent. These calls are done to try and force you into picking the phone up. If the same number keeps calling you, you are likely to think it is a very serious and urgent matter and answer it. They know this, which is exactly why they do it!

Harassment is not permitted, in any shape or form, so if you are experiencing a significant number of calls from Credit Solutions Ltd Debt Collectors, you should keep a note of them and perhaps, contact the Financial Ombudsman. This is a breach of the OFT guidelines.

You can contact the Financial Ombudsman by phone on 0800 023 4567 or 0300 123 9123

They may become angry

As we said earlier, the agents are usually on bonuses, which in turn, usually means they have set targets. If they phone you up, they will probably be polite and friendly to start with, but the attitude is likely to become a little less friendly if you say you can’t pay the debt! This is not what the agent wants to hear, and they are likely to become a little annoyed about it. Unfortunately, being a bit annoyed can also turn into bullying and abusive behaviour. They may try and make you feel bad about your debt or even threaten you with court action. Of course, this is never – and should never, be accepted. If you feel that Credit Solutions Ltd Debt Collectors are acting in any way unfair or unjust towards you, you should make a complaint.

Debt collectors know it is extremely difficult to deal with this behaviour, and that is why they do it. You are now armed with the knowledge you need to stand up to them, and if you want to report them to the OFT. You can use this online complaint form.

Talking about your debt

Whether deliberately or as a result of not understanding the regulations, you may find that debt collectors go as far as to discuss your debt with someone else. They may do this quite innocently when your partner answers, or they may make a deliberate attempt to embarrass you into paying the debt. When they do this, they are breaching the OFT guidelines, and also privacy laws.

You have every right to report them for this to the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

Deceit and Lies

Can they take court action against you?

Potentially. However, Credit Solutions Ltd Debt Collectors may say that they are a bailiff and they have every intention of taking you to court because of the debt you owe. You should not listen to this as it’s a lie. They are debt collectors, not bailiffs and they don’t have this power. If they are threatening you like this, they are in breach of the regulations.

Do not allow them to visit your home, as they don’t have any rights. In fact, they won’t have any powers even if they do turn up! If you are vulnerable and feel concerned about any visits from them, make sure you give the police a call.

Avoiding the depths of despair

It is difficult to deal with behaviour of this kind from any debt collectors, including Credit Solutions Ltd Debt Collectors. They can be relentless at times and it is extremely difficult to just brush yourself off after they have contacted you. However, you want to avoid sinking into any kind of depression as a result of your debt. The best thing you can do here is to sort out your debt situation, but only do it in a way that won’t affect your ability to pay your bills.

Free advice for debt problems

If you feel there is no way out of your debt problems, it would be worthwhile speaking to the professionals. There are many organisations offering free debt help, and will give you advice on dealing with your debt issues now and in the future. They can also support you in dealing with your finances on a more general level. Some of these organisations are:

  • Citizens Advice Bureau (CAB) – you can expect debt help and advice from professionals that are highly trained and experienced. They will guide you in dealing with debt collection companies and getting out of debt.
  • Christians Against Poverty (CAP) another popular organisation that help you get out of debt and manage your finances.
  • StepChange provides free online debt advice and has helped hundreds of debtors deal with their debt issues.
Writing off the debt

Have you considered an IVA?

If you have a lot of debt with numerous creditors, you may want to consider entering into an Individual Voluntary Agreement. This is pretty popular as with an IVA, you combine all your debt together and only make one monthly payment to everything. This not only saves you dealing with several creditors simultaneously, but you may also be able to write off a chunk of the debt.

I’ve put together a 5 question form so you can get started in finding out whether an IVA might work for you.

Answer the five questions now.


It is a sad fact that despite all the warnings and changes to the legislation, there are many debt collection companies still operating in an unsatisfactory and unfair way with debtors. Debt is a common problem and it affects everyone differently. For some, it is particularly hard hitting, and many people suffering from debt issues have considered suicide as an option. You should not ignore debt, as it will come back and get you, and you shouldn’t pay what you can’t afford. However, you should try and reach an arrangement to pay the debt. If you are being treated unfairly by debt collectors, you should consider speaking to the Financial Ombudsman, and making a formal complaint against them.

Credit Solutions Ltd Debt Collectors Contact Details

Company Name: Credit Solutions Ltd

Other Names: Credit Solutions, CSL, arvato Financial Solutions

Capella Court
Brighton Road

Phone: 0870 300 0599


Numbers they call from:



Who owns Credit Solutions Limited?
Credit Solutions Limited was owned by Nenad Laube, a Swiss resident. The company was struck off in January 2020.
Are Credit Solutions Limited financially regulated?
Credit Solutions Limited was struck off in January 2020. 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.
Do HMRC use Credit Solutions Limited?
Credit Solutions Limited is no longer trading, but when is ceased trading it was not a debt collection company used by HMRC
Does Credit Solutions Limited buy debt?
Credit Solutions Limited is no longer trading. The company was struck off in January 2020.
Couldn’t you just ignore debt collectors?
Well you could ignore debt collectors, but it won’t do you any favours, They won’t give up chasing the debt and you may end up with an agent at your door. They could take more harsh action and apply for a CCJ against you. It is not a good idea to ignore them.
Do Credit Solutions Limited have the legal right to take you to court?
Credit Solutions Limited would be able to take you to court to get the money back, although this would usually be a last resort. If they are taking you to court, you be sent a County Court Judgement letter.
Could you end up in jail for the debt you owe?
No. You would not be sent to jail for your debt.
Will anything happen if I ignore a CCJ?
You shouldn’t ignore a CCJ, as you may end up with bailiffs turning up to your door. This is something you can avoid by responding to the CCJ.
Can Credit Solutions Limited get an arrest warrant sent to you?
Credit Solutions Limited are not able to get an arrest warrant sent to you, and can certainly not get you sent to prison. They can get a CCJ, that could result in bailiffs being sent to your door though.
Are Credit Solutions Limited also bailiffs?
Credit Solutions Limited are debt collectors, not bailiffs. They may get a CCJ against you, which could result in bailiffs being sent to your home. However, they can’t turn up on their own and take your goods.
Can Credit Solutions Limited up at your property
Credit Solutions Limited could potentially turn up at your property, although this is not normal practice. If they do, they can’t do anything so you can just tell them to leave. However, if you end up with bailiffs at your door, they have more legal powers.
Can Credit Solutions Limited force entry into your property?
Credit Solutions Limited don’t have the legal powers to force entry. They may be able to get bailiffs sent to your home, but that’s about it! They don’t have any real legal powers.
How likely are Credit Solutions Limited to give up on the debt?
Credit Solutions Limited will keep chasing the debt for as long as possible. Unless a CCJ has been issued, this could go on for as long as 6 years.
When will the debt become too old to collect?
The Limitation Act 1980 states that debt can be collected for 6 years. The 6 years takes place from when you made your last payment to the debt or when you last acknowledged this debt.
When is it not legal to chase the debt?
The Limitation action 1980 states that there is 6 years permitted to chase a debt, that is unless you have a CCJ against you, in which case, there is no limit at all!
Can debts be written off?
Debts collectors may write off the debt when they have exhausted all avenues, although they are likely to wait until the 6 years period is up!
How can I contact Credit Solutions Limited?
Credit Solutions Limited was struck off in January 2020. Arvato Financial Solutions Ltd, which trades as Credit Solutions, can be contacted via phone or by email via a contact form on their website.
How will I pay Credit Solutions Limited?
You do not need to pay Credit Solutions Limited as they are no longer trading. However, you should check who you are dealing with as Arvato Financial Solutions Ltd uses “Credit Solutions” as one of its trading names.


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

CONC 7.9 Contact with customers

Are you struggling with debt?

Affordable repayments

Reduce pressure from people you owe

Stop interest and charges from soaring

Get started


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring