Scottish Gas & CRS

[OwenGravy]

Hi folks,

 

First time poster, long time lurker:)

 

Scottish Gas sold our dept of around £500.00 to a DCA called Credit Resource Solutions CRS. I had an original agreement with Scottish/British Gas to pay it at £50 per month - this is from our previous address, we have a different supplier at the new one. This agreement was defaulted on as I have only just been able to begin paying the agreed amount.

 

I did call the dca, which in this case I wasn't bothered about as I had called the utility company and told them when payemnts would begin. More texts etc later from the dca prompted a further call to them, they advised me to contact British Gas, which I did.

 

British Gas said the money was no longer owed to them but to the dca to whom the debt had been sold. But I can continue to use their payment cards and they will notify the dca of payments but I could still incur charges from the dca to whom this money is now supposidly owed.

 

I won't deal with the dca, I will continue to pay the original debt on the payment cards given by British Gas.

 

What I'm wondering is, is there anything that can be done in regard to getting the dca's mucky hands off and/or challenging any charges they might like to dream up? Also is there anything I can do to contest this issue with the gas company, or is this as they claim no longer their debt?

 

I do have other debts and have had a load of threatograms over the last couple of years which have been ignored, that's another issue, but I don't want to stir up a hornet's nest either lol!

 

Any help advice greatly appreciated,

 

Cheers.

[dx100uk]

carry on paying SG and ignore the dca.

 

dx

[nottslad]

I would suggest that if the debt is valid to contact the DCA in writing, stating your offer of payment, and that this was agreed with the creditor...

 

Are CRS a division of BG does anyone know? If they are still accepting payments and will inform in this manner sounds as if they may be in-house

[OwenGravy]

carry on paying SG and ignore the dca.

 

dx

 

I think that's what I'll do. I'm not going to bother negoitiating with the DCA. Maybe they are inhouse because the debt was sold on very quickly, or so they say, but then Scottish Gas say I don't owe them the money now so who knows? Maybe that's the standard approach. Either way I'll just stick with the payment cards.

 

Thanks folks.

[dx100uk]

they cant sell it to their inhouse dca...!

someones telling porkies here.

 

dx

[pelham9]

Credit Resource Solutions Ltd

 

Definitely not inhouse.

 

DCAs can work in two ways.

 

As agents.

 

In this case you do not have to communicate with them but can go directly to BG - they are BG. The point of employing them as agents is that to many people DCAs are scary and they can make dishonest threats without besmirching the reputation of BG.

 

As owners of a debt.

 

BG will have sold (assigned) the debt to them. When BG do this they must make certain you know they have done so in writing. Your account with BG will be shown as 0. If the DCA can prove the debt (which is seldom the case) they can go as far as a defended court action to recover. They will try for a default (undefended) CCJ if they cannot prove the debt.

 

http://www.debtwizard.com/images/stories/files/oft-debt-collection-guidelines.pdf

[nottslad]

In my experience, the mortgage company will make a search of your credit report, and if the account is defaulted it will show on there for up to six years, a notice of correction would really go in your favour with what has happened, especially if you settle the balance

[nottslad]

Ooops wrong thread!