Read Time 5 Minutes, 20 Seconds

You might not have to part with a single penny to Credit Style debt, yet ignoring them could be like playing with fire. I’m about to unveil a treasure trove of options for dealing with Credit Style. 

Brace yourself because what you’re about to discover might change everything.

Warren Marshall
Last updated on 26 June 2023
Fact Checked

Table of Contents

1. What is Credit Style all about?
2. Received a Payment Demand Letter – What’s My Next Move?
3. Credit Style won’t stop calling – any advice?
4. Could someone possibly come to my doorstep? How can I prevent this?
5. What could happen if I ignore Credit Style?
6. I’m not convinced this debt is mine – what are my options?
7. Possible Measures Credit Style Debt Collectors Might Employ?
8. Is negotiating a repayment plan an option with Credit Style?
9. Are there loopholes to bypass repayment to Credit Style?
10. I’m drowning in debts, and this is just one of them – any solutions?
11. Is my home at stake due to this debt?
12. The impact of this debt on my credit report – what and how long?
13. Courtrooms and me – where am I headed?
14. Unraveling Credit Style’s debt recovery labyrinth.
15. County Court Judgment looms – how might it materialize?
16. Reaching out to Credit Style – what’s the best way?
17. Seeking counsel – where should I turn?
18. Not satisfied with Credit Style – how do I file a complaint?
19. FAQ


What is Credit Style all about?

Credit Style, or Credit Style Limited, is a professional debt collection agency that recovers debts on behalf of businesses. They are highly active in the UK and have a reputation for thorough debt recovery methods. Though dealing with them can feel daunting, understanding their process can empower you to make the best decisions.

Credit Style Limited is a debt collection agency that trades under CST Law. The Office of Attorneys Regulation licenses and regulates them under registration number 639830. They are best known for debt collection.

You typically collect unsecured receivables (not secured by assets, such as catalog debt or short-term loans). Even if the debt is unsecured, it is essential not to ignore it. If not dismissed, the debt can escalate further. 

Received a Payment Demand Letter – What’s My Next Move?

Getting a letter from Credit Style Limited is a jolt to your day. 

Your heart races, and your mind is full of questions. 

  • “Is this real? 
  • How did this happen?” 

Take a deep breath. You’ve got this.

Step 1: Don’t Panic

First, don’t panic. Indeed, it’s easier to say than to do, but it’s a must. Panicking won’t make the debt go away. This is your moment to take control. So, how do you do that?

Step 2: Verify the Debt

This is your first course of action. It’s crucial to know whether the debt is yours. Get on the phone or write to Credit Style and ask them to confirm all the debt details. This should include the following:

  • What is the debt for
  • How much do you owe
  • Who is the original creditor, is,

Did you know that sometimes debt letters come by mistake or about a debt you’ve already paid? Can you imagine the relief if that’s the case?

Step 3: Time for a Paper Trail

Keep all communications with Credit Style in writing. This way, you have evidence if things go sour. You don’t want to rely on “he said, she said” in court, right? So, keep all letters and emails.

Step 4: Get Some Help.

There’s no shame in seeking help. It’s brilliant. Get advice from organizations like Citizens Advice or StepChange. They have experts who deal with debt issues every day. Isn’t it great to have someone on your side?

Step 5: Know Your Rights.

Did you know you have rights even if you owe money? Credit Style Limited can do anything other than whatever they want. You have the right to:

  • fairly and respectfully treatment
  • Know how much you owe
  • Make a repayment proposal
  • Complain if you need to

Empower yourself with this knowledge.

Step 6: Consider Your Options

Consider how to resolve the debt once you’ve verified the debt and know your rights. 

  • Can you repay in installments? 
  • Can you negotiate the debt down?

But what if you can’t pay? Or what if it’s an old debt? Some laws might be in your favor. Can you feel the tides turning?

Step 7: Keep an Eye on Credit Style

Keep a close eye on how Credit Style responds to you. If they’re reasonable and willing to work with you, that’s fantastic. 

But what if they’re not? What if they try something shady? Well, that’s when you go on the offensive.

Step 8: Respond Smartly

How you respond to Credit Style, Limited can make all the difference. Be prompt, but also be clear and firm. Remember, this is your life, and you have control.

In a Nutshell.

The first letter from Credit Style Limited is the beginning. Or it could be the whole story. How it unfolds depends on how you take charge now.

So what’s going to happen next? Will Credit Style Limited cooperate, or will they push back? And what hidden tricks could save the day for you? The answers are just around the corner.

Credit Style won’t stop calling – any advice?

If Credit Style keeps calling, it can feel overwhelming. Under the Financial Conduct Authority guidelines, harassment from creditors is unethical. Keep records of these calls as they might serve as evidence in future disputes.

Credit styles must comply with Financial Conduct Authority rules like all collection agencies.

If you get a call from Credit Fashion, we empower you to reach out as soon as conceivable. 

This should happen if you need more time to seek counsel or consider an obligation administration arrangement.

A credit administration master can assist you in overseeing your obligation and discovering deals. There are ways to piece indeed calls from Credit Fashion.

If you lean toward reaching by another implies (such as a letter or mail), contact us as long as conceivable if it’s easy enough. Phone calls can regularly be irritating, and discussions can be troublesome.

Credit Style will understand, but they can only help you if you tell them and let them know. 

Could someone possibly come to my doorstep? How can I prevent this?

Credit Style Limited may employ doorstep collectors. However, remember, you have rights. You’re not obligated to let them in your home or speak to them. One effective way to prevent this is by proactively setting up a repayment plan or addressing the debt.

Credit Style only shows up in your home when you need it. That’s why it’s critical to contact him as long as conceivable.

Furthermore, collection operators are not permitted into your domestic. As authorized, bailiffs have the specialist to enter your household, and an area court judgment must be made against you. If there’s no bailiff, the bailiff will not appear at your domestic address. You must continuously inquire for ID.

This guide explores ways to avoid adverse judgments being entered in the District Court (or “CCJ”) and prevent enforcement of any kind. 

What could happen if I ignore Credit Style?

Ignoring Credit Style may lead to severe consequences, including a County Court Judgment (CCJ), which might severely impact your credit score and future financial dealings. Ignoring is not the solution; seeking advice and taking action is.

Failure to contact Credit Style may result in litigation to collect outstanding debts. 

This includes: 

1. Attorneys’ fees,
2. Litigation costs,
3. Interest (which may be claimed at 8% per annum until the judgment date under section 69 of the County Court Act of 1984), or advance payments,

Thus increasing your outstanding balance. It doesn’t matter which happens first).

I’m not convinced this debt is mine – what are my options?

In this circumstance, it’s fundamental to inquire about Credit Fashion Restricted for nitty gritty verification of the obligation. They are obliged to supply this data. On the off chance that they can’t, you might not be obligated to pay.

If it is essential, ask for verification of the debt and a duplicate of the contract you claim to have made with the first lender (i.e., the client).

You can receive a copy of any credit agreement under sections 77-79 of the Consumer Credit Act 1974. Please note that she may have to pay a small fee of £1.00 for copies. We cannot seek debt collection against you if you do not present this.

Remember, you should always be bold and ask for proof of debt, especially if you think you have no outstanding obligation. Mistakes can (and do) happen. 

Possible Measures Credit Style Debt Collectors Might Employ?

Credit Style is known for its persistent approach to debt collection. They might employ measures ranging from regular phone calls and letters to doorstep collections and, potentially, legal proceedings.

Of course, Credit Style reserves the right to claim your debt. However, they are still collectors, so some guidelines must be followed.

For example, they can only make phone calls at appropriate times and never on weekends. Rings should not be too frequent, either.

Credit Style Limited must agree to this. They will reply in a letter confirming your request and only contact you by email or letter.

Credit Styles can send a collection agent to your home like any other, but they must give you advance notice. Even if a debt collection agency comes to your house, you should know they have no extrajudicial powers. They can only enter your home if you allow it. They are debt collectors, not bailiffs, so they can’t seize things outside your home.

Concerning legal action, Credit Style can:

  • Try to get a county court (CCJ) judgment against you.
  • Send bailiffs to the house to confiscate the goods.
  • Apply for a loading order. 

Is negotiating a repayment plan an option with Credit Style?

Yes, dealing with a repayment plan with Credit Style Limited is often feasible. Discussing your financial situation with them openly is always better than arriving at a manageable repayment plan.

Suppose you can’t pay off your outstanding obligation in full. In that case, you should be able to begin a reimbursement arrangement with Credit Fashion.

To know how much you’ll be able to reimburse, we suggest posting your wage and costs to appear where your cash is being processed each month.

This also gives you an indicator of your “disposable income”. The amount with which you can start paying off the debt.

Sometimes, a creditor agrees to such repayment but requires CCJ’s protection. This means they can enforce the contract if you don’t fulfill it. 

Are there loopholes to bypass repayment to Credit Style?

Not really. However, under the Limitation Act 1980, you might not need to repay a debt that’s over six years old. Legal advice is crucial here to navigate this correctly.

Once you owe cash, there are often few ways to maintain a strategic distance from paying it back.

  • The exemption to this run-the-show is if the obligation is more seasoned than six long years and not lesser than.
  • Amid this period, you’re not conceding any risk for the responsibility. You didn’t pay for it.
  • The creditor still hasn’t applied for a CCJ against you within this period. 

If so, your debt has likely expired under the Limitations Act of 1980 and does not need to be repaid.

Another case where you’ll never have to pay your debt is if Credit Style can’t prove that the debt belongs to you. 

I’m drowning in debts, and this is just one of them – any solutions?

Consider seeking advice from organisations like 

1. StepChange,
2. Citizens Advice,
3. Or National Debtline.

They can guide you toward solutions like consolidation loans, Individual Voluntary Arrangements (IVAs), or Debt Relief Orders (DROs)

If it’s not too much trouble, incorporate a reference number in your correspondence to handle your answer as long as conceivable. Be that as it may, never give your bank account points of interest by any insecure method (e.g., email or post).

If you have numerous obligations, consider a few alternatives. These incorporate (but are not restricted to):

  • Take a combination credit (solidify all your debt into one credit and, as it were, should stress around making one month-to-month instalment).
  • Enter into an Individual Voluntary Arrangement (“IVA”) (or Scottish Trust Deed if you reside in Scotland). This legally binding contract between you and your creditors should not be entered lightly. See the section titled below for more advice on IVA.
  • “Where can I get advice?”
  • Invoking a debt relief order (“DRO”) is usually the better option for people with less than £30,000 in debt. Again, professional advice should be sought before entering into any such contract, as it must be entered through an approved intermediary. 

Is my home at stake due to this debt?

Suppose a County Court Judgment is obtained against you. Credit Style Limited may apply for a Charging Order against your property. Seek legal advice promptly to avoid this situation.

Using Credit Style from the beginning makes you less likely to lose your home. 

However, suppose your debt is significant, and a satisfactory arrangement still needs to be reached. In that case, Credit Style can obtain a district court judgment against you and then secure the debt against your real estate. This is called a “claim order.

If your property is joint, creditors can issue a forfeiture order only against your interest in that property. 

The impact of this debt on my credit report – what and how long?

Unsettled debts can impact your credit report for six years, affecting your ability to get credit in the future. Resolving the debt as quickly as possible helps mitigate this impact.

If you’re in debt, there’s a good chance it will end up in your credit file “because most businesses keep track of outstanding payments.” In the UK, he has three major credit bureaus.

  • Empirical
  • Equifax
  • Trans union

All organisations are required by law to supply credit reports free of charge, so it’s an excellent thought to check them occasionally. If you accept that data has been placed there in mistake, you can ask that it be changed or evacuated.

If you agree, note that all credit choices are made based on this data. Hence, it is vital to get it them accurately.

Courtrooms and me – where am I headed?

The path to court is usually a last resort. You could avoid court if you engage with Credit Style from the start and arrange a repayment plan.

By working with Credit Style from the beginning, we can avoid getting caught up in litigation.

Debt-related issues are handled by county courts (often through an online service called the County Court Claims Center).

If lawful procedures are commenced against you, you can get Mediation’s free discretion benefit. Which means you do not get to go to court. This will be determined at the court’s discretion, and appointments will be made based on accessibility.

If you wish to appear in court, we suggest you bring a lawyer (even though you do not ought to be spoken to by a lawyer, and you’ll select to have one).

Unravelling Credit Style’s debt recovery labyrinth.

The debt recovery process of Credit Style Limited is structured and follows the Civil Procedure Rules 1998. They issue a formal letter of claim, and if unattended, they may proceed with legal actions. It’s in your best interest to respond and seek a resolution.

The basic process is as follows:

1. If no agreement is reached, Credit Styles will issue a formal complaint to comply with the Civil Procedure Rules 1998. This letter will contain the billing details and request payment.
2. If you do not respond to the complaint letter, Credit Style may decide to take legal action against you. This is done using the N1 claim form, which supports “Billing Details.” The court will send the complaint and must react within 21 days. On the off chance that you are, making your reply will be considered by the court. For illustration, you’ll earn an offer to pay (which may or may not be acknowledged by the bank).
3. If accepted, your proposal may be upheld by a district court decision. If your application is denied, your case may proceed to court and arbitration (see next section).” Do I have to go to court?”)
4. If you do not comply, CreditStyle may require immediate payment of the judgment. Any outstanding balance must be paid immediately in full (including all related attorneys’ fees, court fees, and interest). You can then force this (see next titled section). “If the district court sentences me, how will that sentence be enforced?” 

County Court Judgment looms – how might it materialise?

Credit Style Limited may request a CCJ against you if you ignore the debts. This is enforceable and could result in bailiffs, charging orders, or salary deductions.

Suppose Credit Style is successful in obtaining a district court judgment against you. In that case, various enforcement methods are available, including:

  • District Court or Supreme Court bailiff (may be present at home)
  • A forfeiture order (i.e., an order to secure your property)
  • Add to payroll (i.e., deducted directly from payroll)
  • Third-party debtor orders (where bank accounts may be frozen)

Reaching out to Credit Style – what’s the best way?

You can use the phone, email, or post to communicate with Credit Style. Keeping a written record of your communication is advisable.

Phone: 03300 450 650
Email: info@creditstyle.co.uk
Website: www.creditstyle.co.uk
Address: Credit Style Limited, 5 Rutland Court, 161 Rutland Road, Sheffield, South Yorkshire, S3 9PP

Seeking counsel – where should I turn?

Organisations like StepChange, Citizens Advice, and National Debtline offer free advice and can help you understand your options.

Not satisfied with Credit Style – how do I file a complaint?

If you feel unfairly treated, reach out to the Financial Ombudsman Service. You can also file a complaint directly with Credit Style Limited through phone, fax, or post.

Phone: 0114 290 1400
Fax: 0845 638 4712
Online form: message Credit Style here
Post: 5 Rutland Court, 161 Rutland Road, S3 9PP

We are staying ahead of the curve with your debt management.

Stay vigilant and proactive in managing your debts. Keep communication lines open, be honest about your financial situation, and don’t be afraid to seek advice.

Sometimes, a collection agency may determine that a particular receivable is unprofitable and sell the receivable to another vendor. It’s surprisingly common.

The above story is an excellent example of PRA Group Inc. deciding that debt was no longer worth spending time on, and he sold it to Moorcroft Deb Recovery.

His two industry giants are Lowell UK and Cabot Finance. So when this happens to you, you are most likely to run into them.

We encourage you to oversee your posts and emails for evidence that your debt has been transferred. It’s easy to miss, mainly if you’re used to seeing messages from specific collectors. 


Who Owns CST Law?

Credit Style Limited owns CST Law. Did you know that CST Law was formerly known as CS2 Lawyers? They teamed up to create a force that specialises in debt collection. But what kind of debts do they handle? Read on.

Which Companies Use Credit Style?

Various companies use Credit Style Limited for debt collection. These can range from financial institutions and utility companies to telecommunications providers. They act as the muscle for companies trying to get unpaid debts settled. And it’s not just any muscle; it’s legal muscle.

What Kind of Company is CST Law?

CST Law is part of Credit Style Limited and deals with debt collection.

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