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CreditSolve Live. Legit or fake?

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  • #1

    CreditSolve Live. Legit or fake?

    Hi everyone

    Apologies if this isn't the correct place to post this. I wasn't sure where to post it...

    I have a debt which I think is statute barred. I've been sent a document which the company says proves the debt isn't statute barred. I'm not sure whether it's legit or a scam though. I did a quick search for Creditsolve and it was listed as dissolved. I've attached the document, which I've redacted. Creditsolve - live.pdf

    Any help or advice would be greatly appreciated.

    Kind regards

    LI
    Tags: None
  • #2
    Does their list tally with your bank statements ? ( ie did you make the £40 payment in June 2013 ? - any other payments after that ?)

    Was there a letter with the list - May give a better idea as to the company that's chasing you.

    was the original debt consumer credit ? ( loan?)
    #staysafestayhome

    Any support I provide is offered without liability, if you are unsure please seek professional legal guidance.

    Received a Court Claim? Read >>>>> First Steps
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    • #3
      Hi Amethyst

      Thank you very much for responding to my question.

      I've checked my bank statements, and yes a payment went out in June, but on the 4th, not the 11th. No further payments were made after that.

      The company is Intrum, and yes it was a loan (from Lloyds or Lloyds TSB, not sure what they were called back then)

      So it seems it's very close to being statute barred...

      Do I have any other course of action, or do I need to come to an agreement with them?

      Thank you for your time

      Kind regards

      LI

      Comment

      • #4
        Originally posted by Legally inept View Post
        Hi Amethyst

        Thank you very much for responding to my question.

        I've checked my bank statements, and yes a payment went out in June, but on the 4th, not the 11th. No further payments were made after that.

        The company is Intrum, and yes it was a loan (from Lloyds or Lloyds TSB, not sure what they were called back then)

        So it seems it's very close to being statute barred...

        Do I have any other course of action, or do I need to come to an agreement with them?

        Thank you for your time

        Kind regards

        LI
        Have you made a statutory request for a copy of the credit agreement? Under s77 Consumer Credit Act you can ask (in writing) with the fee of £1,00 and they have to send a copy of the agreement to you. It would be worth getting a copy if you dont have it just to be sure what we are dealing with and whether there are any issues etc
        I work for Roach Pittis Solicitors. I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.

        If you need to contact me please email me on Pt@roachpittis.co.uk .

        I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.

        You can also follow my blog on consumer credit here.
        • 1 thank

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        • #5
          Hi there. Thank you for your reply. Is this request made to Intrum directly?

          Kind regards

          LI

          Comment

          • #6
            Originally posted by Legally inept View Post
            Hi there. Thank you for your reply. Is this request made to Intrum directly?

            Kind regards

            LI
            yes
            I work for Roach Pittis Solicitors. I give my free time available to helping other on the forum and would be happy to try and assist informally where needed. Any posts I make on LegalBeagles are for information and discussion purposes only and shouldn't be seen as legal advice. Any advice I provide is without liability.

            If you need to contact me please email me on Pt@roachpittis.co.uk .

            I have been involved in leading consumer credit and data protection cases including Harrison v Link Financial Limited (High Court), Grace v Blackhorse (Court of Appeal) and also Kotecha v Phoenix Recoveries (Court of Appeal) along with a number of other reported cases and often blog about all things consumer law orientated.

            You can also follow my blog on consumer credit here.
            • 1 thank

            Comment

            • #7
              Ok. Thank you. I will do this, and update this thread if/when I receive their reply.

              Kind regards

              LI

              Comment

              • #8
                Hi again

                I received the letter attached from Intrum today. It's tone is rather more conciliatory than previous correspondence I've received from them. It sounds like it will take them some time to get the original credit agreement (if they can get it at all) So it seems the debt will be statute barred by the time they've got their act together. My understanding is that after 12 working days, if no agreement is received, it's unenforceable anyway?

                Thank you once again for all of your help regarding this, it's really very much appreciated.

                Kind regards

                LI

                Intrum letter 8th May 2019.pdf

                Comment

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