Anyone else had dealings with these lot? I've just had a debt taken over by them, which I acknowledge is mine, and I've emailed twice and sent a recorded delivery letter which they are not acknowledged. I've just come home to another letter saying I've ignored their efforts to get in contact and they are sending a door stop collector now In my letters I sent an offer of payment but they are obviously just going to ignore me. I am certainly not going to ring them - but don't know what to do next.

Hi i went into my spam folder by mistake today and found this email sent today by mercantile recovery solutions. 1. i have never heard of this bunch 2. the pdl refused my payment plan in december 2011 and i have heard nothing since 3. im concerned about the point about them having my bank account and sort code can they take money from my account??? 4. are they gonna take me to court??? any help or advice would be greatly appreciated Reference: xxxxxxxxx Client Reference: xxxxxxx Client: Mercantile Recovery Solutions Original Creditor: xxxxxxxxx Balance Outstanding: £(amount was here) FORMAL NOTICE OF LITIGATION AS REGULATED BY THE CONSUMER CREDIT ACT (2006) Dear (my name), We have previously written to you to inform you that we, Mercantile Recovery Solutions Ltd., have purchased the above debt and as such are now the legal owners and beneficiaries of the sum outstanding. Despite attempting to contact you using all means available to us, including all the information provided in your credit application we have, to date, been unable to reach an amicable solution of repayment with you. We must now make it clear that we are in the process of instructing our solicitors to issue a claim against you in your local court. We are fully confident that such claim will be successful as we are unaware of any legitimate legal reason for non-payment of the debt and again we should make our intentions clear that upon successful award of the claim we will look to enforce the debt by way of an earnings arrestment. As part of your application process you provided your bank account number, sort code, pay date and employer details – all of this information will be utilised to seek immediate repayment of the sum outstanding. Please be aware that your employer will be notified of this order if necessary. Whilst we do not wish to burden you with further costs, (all legally recoverable fees will be added to your outstanding balance) your lack of cooperation thus far leaves us with no viable alternative. Should you wish to avoid this course of action we would recommend you contact our pre-litigation collections department on 01563 546 371 before noon the 25th September 2012. Failure to respond to this notice will only lead to immediate court action being undertaken. Yours sincerely, Ray Smith Ray Smith Collections Department

hi I am in a payment plan with Cap One do owe them this but credit solutions ringing work 3/4 times a day how do I deal with this any help:-x

I have just received a parking fine from TPS for parking in a tesco car park (only about 15 mins) I was incensed when I got home and read that if you do not pay £50 within 14 days you AGREE to pay a fine of £100 . I went back to the car park the next morning to check the area where I had parked and there was no ‘no parking sign’ and no markings on the road to suggest that it was a no parking area, although the area was next to a disabled bay. I was going to appeal and send the picture off as proof but having looked on line this would appear fruitless. This is stressing me out, should I pay them, just to get them off my back or stick up for my rights and not pay up, do I appeal or just ignore, any help and advice would be appreciated.

Cananyone advise if CRS Civil Recovery solutions UKCRS, PO Box 9877, Nottingham, NG1 9GB Are they part of, or formally the company trading as “Retail Loss Prevention”. ? I am pre-empting the possible letter from them seeking civil loss claim from them which I anticipate arriving shortly. Are CRS in a position to recover any form of debt / compensation after being served a “Notice of Civil Recovery” by a store security guard? A fixed penalty notice for £80 was issued by a police officer relating to the DA12 offence (theft) I have paid the Fixed penalty notice. as I want a prompt closure to this matter. The offence was NOT pre planned - was a gnuine oversight / lapse of concentration, lots of things on my mind ,after having had several (seven) operations / procedures to my eye in the last 12 months, this following a serious assault in public house, more treatment planned in the near future, and still under care and medication for stress / depression and anxiety, my GP is willing to substantiate in a letter. I purchased several items to the value of £48 plus, and forgot one item I had placed in my coat pocket value £16.98 as I was struggling to hold all the items in my hands. Genuine error (50 plus years old -no criminal record – yes I walked out of the store with a unpaid item in my pocket – when challenged by security realised my error and offered to pay – they detained me for over a hour (whilst the police arrived) in a small room used to house cctv monitioring equipment, cold , confined area, door covered by security person all the time Should I respond as in early forum answers , that there is no debt and quote the example of “Oxford Court Case” Retailer v Ms K and Ms B ? Or should I proffer a small arbitrary sum ? Your suggestions / advise / experiance would be appreciated please

Hi All, Just had a very frustrating conversation with someone at MRS Ltd. Basically my partner took out a QQ loan back in July 2011, we ran into difficulty as I lost my job and subsequently informed them and started the DMP process for all our creditors. Anyway all but QQ replied and agreed to our offer of payment. We kept sending QQ letters/emails offering payment and was receiving no response, not even one to say they were coming after us. Eventually we stopped as they weren't bothering us. Fast forward to May 2012 and we finally received a letter from MoorGroup on behalf of QQ, we replied to them and they didn't reply. We sent one further email and still nothing, not even to chase. Fast forward to beginning of September, we received a letter from MRS Ltd explaining that they were about to start litigation. At this point they hadn't mentioned a creditor or the amount due, so we ignored them. A week later we received the same letter with a deadline on it, this time with creditor details and amount due. They are working on behalf of QQ. We sent an email detailing an I/E form with offer of payment. A week later (beginning of last week) they sent an email (they hadn't done this before we sent them one) giving us a new deadline. My wife replied asking if they received the previous email.......again nothing. On Monday this week another email giving us another new deadline.....again we replied and received no response. Today (which is not past the previous deadline) they emailed again saying 'We have taken the relevant steps to verify your current residential and employment status, and are aware of no legitimate reason as to why your account has not been paid' and they have threatened to sent a Field Collector round. Anyway at that point I started to get slightly angry and my wife informed them to call me. I decided to get there first as they were p***ing me off. After taking a while to confirm that I had authority on the account, I explained that we had sent a number of letters and emails explaining the situation and offering payment. All I got back was that the debt is 13 months old and they are going for a CCJ. I must've then hit a nerve because I repeated what I had said previously and got a different answer, this time a threat that they were going to make my wife bankrupt. At which point I again repeated myself, he then asked me if we'd made an offer of payment, I replied yes and gave him the amount. He then said 'see you in court' and put the phone down. No other words, just them 4. Sorry for the rant but they have made me quite angry about this :mad2: Not sure what my next step is apart from waiting for the paper work. Should I expect any? Are they just hot air or have they ever taken someone to court?

Hi please could someone give me some advice on power 2 contact / credit solutions i suspect they are the same company. Last year got into financial hardship i work part time my partners self empoloyed buisness doesnt make much money and i have 2 young kids to support, i bascially owe barclays £460 from a overdraft i got in touch with barclays and filled 2 income expenditure forms in for them and offerd them 10 pound per month repayment to be reviewed every six months and if i could pay more i would they didnt reply so now its been passed to credit soloutions who sent me a letter from power 2 contact saying they were coming to my house to recover full amount i was furious as it was so agressive this is the 1st letter ive had of them and that day i had a family bearvement so i sent them a angry email saying i know my rights i dont want anyone at my door and if they come i shall call police they have wrote back saying they offer a door step collection service as a option to our customers in guidelines to office of fair trading they would give me adequate notice of the visit they go on to say they want the full balance immidiatly where its not possible a short payment plan can be arranged however this is simlpy to allow the customer time to gather the full balance. they want financial statements of me detailing all income and outgoings they want to know what benefits i get and they want supporting documentation from benefit agencies they also want copies of wage slips i have to forward all of that straight away. Is that right do i have to send them details of my tax credits etc i dont even know where half my paperwork is! and there is a childcare element on my tax creds which doesnt go into my pocket it goes to pay childcare fees but they could say my income is more with that. Any advice on a reply to them?? thanks so much x

In July I completed the Core Foundation for Teaching - an 8 week online course run by Recruitment Development Solutions - an agency claiming they can help you find a placement in a school after you have completed the course. I already have a Teaching Assistant Certificate and a PTLLS qualification, therefore I didn't really feel I needed the course, but I was persuaded by RDS that it will help me get into a school as a TA or a Teacher etc. I paid over £295 for the course because of the statement saying they will secure a placement in your chosen field. ***************************We offer vocational training and continuing development courses and guidance. Our mission is to train you to a high standard and then secure you a placement in your chosen field. Although heavily subsidised, there will be a cost element of £295 for your enrolment onto the course which is payable by the student.**************************************** The course was OK but I had covered most of it before and to be honest the only thing I discovered was that I needed to produce a 2 page covering letter when applying for Teaching posts. T he instructor was very nice and the group discussions were helpful. However when the course finished I was told that in order for them to place me in a school I would have to renew my CRB at a cost of £80 - I did this, I needed the placement now I had gone this far. I received my CRB and have not heard from RDS again, I have sent emails to them asking about a placement and they haven't replied. 4 months later still nothing so I sent emails to the people who had contacted me from RDS complaining about the way they have just dropped me. They haven't even bothered to reply.... ..This is not a professional approach to providing a service. .Therefore beware if they contact you, they are only selling courses under false pretence.. .. do not fall for it.

Combined Parking Solutions - suspended by DVLA “Combined Parking Solutions” [As a result of] the signage used by this company. The Agency has suspended the company’s access to data. More to follow

Combined Parking Solutions - suspended by DVLA “Combined Parking Solutions” [As a result of] the signage used by this company. The Agency has suspended the company’s access to data. More to follow

Hi, I'm new to the forum so please forgive the naive question. I've had a letter out of the blue from MRS, called Final Notice Prior to Action (in red ink) citing a debt to Motormile Finance (just seen the many threads on this one), with HFC as the original creditor. They claim the debt dates back to 2000. The only thing I can think of is that it could have been an interest payment after I forgot the settlement date for an BNPL interest free deal, I thought I'd paid it after an argument back then, but have no records. I've hear nothing about it for years. Should I respond? I found one of the templates on here - the "general debt letter if you know nothing of the debt", sorry can't post URLs yet, which I considered using. Should I respond, or ignore? Grateful for your advice and experience

I am being chased for an old Next Account by Capquest who have employed Pastdue to collect. I asked for Capquest to send me proof of the debt in 2011 which I then followed up with a CCA request but they have not provided any documentation to me. Pastdue have been writing to me at my boyfriends address (I do not live there but I do have my mobile phone account registered for personal reasons) and I have replied to them using my address. I first sent Pastdue the Prove It letter, they then replied stating they knew no reason why no payment had been made to Capquest and I replied with a letter stating that Capquest had not provided any documentation regarding the account hence the reason no payment had been made. Pastdue's latest drivel is as follows, Can anyone help me come up with a suitable reply to send?

Hello, thought I better put this on CAG as an urgent warning to people! I have just discovered that a relation has signed up with this shower, and they ARE a shower They have 1 debt, of around £1500 and are on benefits - Employment Support Allowance and max DLA. This shower has signed them up, and guess what, specific figures and fees were glossed over very quickly. I have discovered that the relation is paying as an example, (I have changed figures for the moment) £100 a month to this Company. This company, for managing just the one debt, is taking £50 a month in fees, which if the relation was to stay with 123 debt solutions for the full term of paying the debt, means 123 will be making over £2k in fees, DOUBLING the debt, effectively. I am absolutely (insert extremely rude words) furious. The relative is in fact extremely ill, and is unlikely to even survive the length of the repayment term - heart and liver failure being only 2 of their health problems, but the company sold this to them as "doing the right thing" This is an absolutely disgusting disgrace, and I am going to war. To add to the insult, the relation, today, received an extremely unpleasant letter from the creditor, because 123 Debt have not, despite their claims been in contact, and so as far as the creditor is concerned the relation has simply stopped paying anything. So far, 123 debt solution have taken over "£100" and not even handed anything over to the creditor. 123 Debt Solutions also seem to be trying to box clever here, no direct debits etc for them, they have taken the relations bank card details and security code, and have given themselves a Continuous Payment Authority taking payments every 14 days. So my list of action is: Get the CPA withdrawn at the relations bank 123 debt solutions told to.... go forth and multiply, and that they are welcome to attempt to go to court for their "fees" I would love them to explain just exactly what they have done to a Judge, given the personal and health circumstances! The Creditor contacted, and offered £1 a month - the company involved does I believe have a bit of a reputation so screw them, from what I can see this has gone straight to a debt collector, after 1 missed payment. And every single regulatory authority who oversees debt management I can get my hands on contacted and formal complaints issued.

Hi all, My friend is in a bad situation. He applied for a loan through a broker, Loan Solutions approximately 5 weeks ago. The application took longer than the expected 3-5 days and then, in the end, he was matched with an unsuitable lender. Loan Solutions took a fee of £70 to match him with his lender, Amigo. He was told to wait for Amigo to contact him, but they did not. Eventually he contacted Amigo directly who informed him that no record of his application existed. In short, his application was never passed along to Amigo as claimed by Loan Solutions. He telephoned Loan Solutions a number of times who repeatedly left him on hold, refusing to answer his calls. The receptionist informed him that as far as they were concerned they had 'done their bit' and now it was in the hands of Amigo. Amigo still maintain that he is not in their records and have not contacted him. This to me means that my friend should surely be eligible to have his money refunded as Loan Solution have not 'done their bit'?? Today my friend has realised that his phone bill for last month was over £200 - totaling almost £300 in extra expense as a result of Loan Solutions. His bill is so high simply because they left him on hold for such long periods of time.. . literally until he decided to hang up! They obviously had no intention of ever answering. Is there absolutely anything that can be done here? My friend has lost a lot of money. It's a lesson learned the hard way, I know. We're trying not to dwell on the mistake made, but instead move forward and try to do something about this. Please help us out - we really feel like we should be fighting this.

I see another viewpoint has been put about the recent VCS case, makes interesting reading. combinedparkingsolutions.com/vcs.html It does make sense though, if the landowner explicity gives them approval to enforce charges that they issue then that would allow them to enforce the charge.

Hi everyone im new on here, i had a letter from CSL for a debt id forgotten i had for argos. i wrote back to them stating that any contact i had would be through the post and all letters would be sent recorded delivery. i offered to pay my debt off by £20 a month and sent a cheque with the letter. They waited a month before reply and stated that my response was unsatisfactory as was my offer of repayment and that as i had conducted myself in this way they would be passing my case back to the credit company i owe the money to. Who would probably sell the debt and it would be harder for me to settle the debt. Please could someone advise me of what steps to take next. I have already had them ringing my work place constantly. But this issue has now been sorted as my boss informed them that it was a business number and to not ring again. Any advise would be greatly appreciated.

can some 1 help me plzz i parked in a car park i have parked in there once befor there no tickret machines so 4hought it was ok was only gone for 10 mins got back 2 car seen there were about 10 cars with these tickets on says its PARKING CHARGE NOTICE so i ignoredit now i have aletter from then sayin i have to pay 150 pound now charge was 70 . .i bont have that kind of cash just dont know wot 2do???

Hello everyone, I joined the forum for some help and advice from people that have been in the same situation, if not worse. I really don't know what to do! I opened a catalogue account when I was 13 years old, faking my age. I spent 1-2 years ordering a lot from the catalogue (paying off monthly with pocket money/paper round wages) but it got to a point where I just couldn't meet the payments and eventually forcing me to stop paying. I sent the catalogue company an email, stating that I was 13-14 years old at the time and that I couldn't afford to pay any of it. I didn't hear from them again until recently, when EOS Solutions UK sent me 10+ letters; each with an outstanding amount. I'm 20 years old now so it has been 6-7 years and a debt I just want to forget. What can I do in this situation?

I have just seen a very intersting letter from Credit Solutions threatening court action for a relatively small debt . the penultimate paragraph provides the number 0800 542 0125. Then the concluding sentence states ( Please do not simply write as our time limits are now very strict) This would suggest that the advice provided not only on this site, but by many Money Advice agencies is having an impact. To reiterate, NEVER UNDER ANY CIRCUMSTANCES CONTACT DEBT COLLECTION AGENCIES BY TELEPHONE. SHOULD THEY CALL YOU NEVER ANSWER SECURITY QUESTIONS. TO ENSURE ACCURACY OF RECORD COMMUNICATION WITH THESE COMPANIES SHOULD BE IN WRITING ONLY. THERE ARE NO EXCEPTIONS

Hi everyone,there's a lot of back history to date relating to this alleged "debt" and 1st crackpots but am putting it in a new thread in the hope that someone'll be able to help? Brief history: 1st credit don't have a CCA for this debt so I refused to acknowledge it (I'm really not sure what it is, as the amount is nothing I've ever borrowed). They sent a Stat demand three years back, I won in court, all went quiet then recently their letters and demands started up again, then all quiet for two years now this: http://i822.photobucket.com/albums/zz141/writerchris73/IMAG0421.jpg How should I reply? IS there anything I can do to make them go away for good? Thanks Chris

Can anyone please help, my dad parked his car as normal in the local swimming baths and there was a sign on the meter saying out of order so he did not pay and display, when he returned to his car there was a parking charge notice from total parking solutions stating that he did not pay and display and there was a £40 fine to pay, when he went back into the swimming baths they told him that if he had fully read it that it was only this one that was not working and he would have to the fine, yes he should have read the notice fully but i have read about not paying total solutions fine, i have checked with the leisure centre and they have said that it is there ground by the machine and tickets are managed by TPS and it is the local council wardens that issue the tickets, does this make a different, thanks