Getting myself out of debt

[debrag]

Debt 3 Very

Opened:	December 2016
Type:	Catalogue
Current Balance:	£767
Last payment:	£1.00 | July 2018
Last fill payment:	November 2017
Arrangement:	DMP till May 2018
Status:	Late payment on credit report
Owner:	Very (NCO)

2017
December - NCO letter, 'we are acting on behalf of Shop Direct'

2018
January - Very statement
March - NCO letter, Notice of Sums of Arrears under CCA 1974
March - NCO letter, Total outstanding letter
March - NCO letter, Confirmation of the following payment arrangement (£1)
May - NCO letter - Concerns regarding overdue account
June - Very statement

July - Statement received along with arrears letter and fact sheet

[debrag]

Debt 4 JD WIlliams

Opened:	June 2013
Type:	Catalogue
Current Balance:	£1740
Last payment:	£1.00 | July 2018
Last fill payment:	December 2017
Arrangement:	DMP till May 2018
Status:	Late payment on credit report
Owner:	JD Williams

2018
March - Payment arrangement confirmation for Payplan's DMP, not longer using them.

July - 'We have not received you payment' letter received along with an arrears fact sheet from the FCA

[Warwick65]

So if they keep taking the money this will push you over your od limit won't it, thus costing you lots in fees etc. Hence get a written notice to stop paying the cpa immediately. Also if you have a debit card, maybe "report it lost' and ask for a new one

[Roger]

I'm still a student. The payments are going from my bank to Credit Resource Solutions.

Don't know who your banker is but for these payments
NAT West.
https://personal.natwest.com/persona...nsactions.html
Barclays
https://www.barclays.co.uk/help/paym...hority--cpa--/

There will be similar facilities with other Banks

[debrag]

I'm still a student. The payments are going from my bank to Credit Resource Solutions.

[Warwick65]

Ask the bank in writing to cancel the cpa If they won't then escalate to a formal complaint. From there go to the fos. How long is it since you graduated, there are still graduate accounts available I think.

[Roger]

So who do I contact about payments still going out my bank account for £1.49 each month? Credit Resource Solutions claim the last payment was April 2018 and that they are no longer dealing with this case. I seem to be getting no where with them. Does anyone have a template I can use to send to both them and the bank?

It's not a direct debit and I don't actually use the account

We seem to be discussing at crossed purposes here.
The £1.49 each month isn't going to Credit Resource Solutions but is the Student £500 o/d facility? Is this correct?

[debrag]

It's not a direct debit and I don't actually use the account

[Roger]

Lived here nearly 3 years (09/18) and never had any letters other than from Natwest. In fact the others have an address that I moved from in May 2014. The bank payments are debit transactions so I'm assuming CPA. I'd move from this bank but it's my student account with a £500 OD limit at it's limit. Will get round to phone the bank (Barclays) later today.

The idea is to have a current account with a Bank other than your current creditors for making payments etc..Also a safe place to save into your Fighting fund which is other than your existing Bankers, because Banks have the right of set off between your accounts!
You can leave this account open and the student o/d at its limit but you must be able to control the D/D's etc
The plan is for you to take control of your debts and outlays here!

[debrag]

As you now know Credit Resource Solutions is smoke and mirrors and they are giving you the run around!
If you Bank won't cancel this Direct Debt. Open a current account at another bank and then close or empty this account!
As for any letters you receive file away and date the envelope.
Get into the habit of filing and dating letters from your creditors. Good filing and a fleshed out Diary will enable the MODS to give good advice.

Lived here nearly 3 years (09/18) and never had any letters other than from Natwest. In fact the others have an address that I moved from in May 2014. The bank payments are debit transactions so I'm assuming CPA. I'd move from this bank but it's my student account with a £500 OD limit at it's limit. Will get round to phone the bank (Barclays) later today.

[Roger]

As you now know Credit Resource Solutions is smoke and mirrors and they are giving you the run around!
If you Bank won't cancel this Direct Debt. Open a current account at another bank and then close or empty this account!
As for any letters you receive file away and date the envelope.
Get into the habit of filing and dating letters from your creditors. Good filing and a fleshed out Diary will enable the MODS to give good advice.

[Timewilltell]

Just call your bank and cancel the payment, can do it yourself via online/app banking with some banks.
Once you’ve cancelled it at bank then you’ll probably get a letter from CRS confirming payment ceased.

[debrag]

Debt 14 Lending Stream


2013
In dispute, LS claim balance is still 134

2016
Deleted emails
Confused this debt with one above
CRS sent back to LS

2018
Possibly SB March 2019
SAR request sent

So who do I contact about payments still going out my bank account for £1.49 each month? Credit Resource Solutions claim the last payment was April 2018 and that they are no longer dealing with this case. I seem to be getting no where with them. Does anyone have a template I can use to send to both them and the bank?

[debrag]

Looks like I git the two mixed up - It is almost as if they want to confuse people.

I do stand by what i said about is the debt CCA regulated and about the professionalism of the Zinc Group - I got rid of them quite quickly

This debt is a gym so not sure the route to take other than ignore.

[Warwick65]

There is Credit Resolution Services & Credit Resource Solutions and I get confused who is who and who is dealing with who. An email from Credit Resolution Services stated 'CRS is a trading style of Harlands Services Ltd' not sure what that means.

Looks like I git the two mixed up - It is almost as if they want to confuse people.

I do stand by what i said about is the debt CCA regulated and about the professionalism of the Zinc Group - I got rid of them quite quickly