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Lender DetailsCredit Resource Solutions Limited
Debt Collector

Credit Resource Solutions Limited

Also known as: CRS; CRS Credit Resource Solutions; payCRS

Credit Resource Solutions Limited (CRS) is a UK debt collection company that operates the PayCRS brand. It provides debt collection services to businesses including utilities, retailers, local councils, and financial services companies. CRS typically acts as a collection agent on behalf of creditors rather than purchasing debts itself.

If you receive letters or calls from CRS or PayCRS, it means a company you have an unpaid debt with has asked them to contact you. The correspondence should tell you who the original creditor is and what the amount relates to.

CRS is regulated by the Financial Conduct Authority and must follow rules on fair treatment of customers. They must communicate clearly and respectfully, provide accurate information about the debt, and tell you about free debt advice services.

You have the right to ask for written confirmation of the debt including the original account details. If you dispute the debt, put this in writing and CRS must investigate. If the dispute is genuine, they must refer it back to the company they are collecting for.

If you owe the debt and are struggling to pay, you can contact CRS to agree an affordable payment plan. Free debt advisers at StepChange and National Debtline can help you prepare for this and make sure you only agree to something you can genuinely afford.

Free debt advice is available from StepChange on 0800 138 1111, National Debtline on 0808 808 4000, or Citizens Advice. Their websites also have online advice tools available at any time.

Quick summary

Company typeDebt Collector
Trading namesCRS; CRS Credit Resource Solutions; payCRS
FCA Firm Ref (FRN)626796
FCA statusAuthorised
Companies House no.04690879
Company statusActive
Parent companyNot verified
Date last checked2026-06-05

Always verify this information directly with the company, the FCA Register and Companies House before relying on it.

General guidance only. Information on this page is for general reference. Ask Fin does not provide regulated financial, debt, legal or tax advice. Fields marked “Not verified” have not been independently confirmed.

Free regulated debt advice — start here

If you are struggling with debt, arrears, or feel under pressure to pay, contact a free regulated debt advice service before taking any action. These services are confidential and free to use.

Why someone might search for Credit Resource Solutions Limited

Received a letter, call or text
Asking for proof of debt
Who is the original creditor
Setting up a payment plan
Disputed debt
Statute-barred debt question
County court claim received
Doorstep visit concern
Getting free debt help

Before you contact Credit Resource Solutions Limited

  • 1Check the company name and any trading names carefully.
  • 2Verify the company on the FCA Register at register.fca.org.uk before sharing personal or financial details.
  • 3Check the Companies House record if relevant.
  • 4Do not share payment card or bank details unless you are certain you are dealing with the real company.
  • 5Keep copies of all letters, emails, screenshots and payment records.
  • 6If you are unsure or under financial pressure, get free debt advice before taking action.
  • 7Ask the company to confirm the original creditor and the amount owed in writing.
  • 8Ask whether they own the debt or are collecting on behalf of someone else.
  • 9Do not make any payment if you dispute the debt without first taking free advice.

Questions worth asking

These are general questions that may be relevant to your situation. They are not personalised advice.

  • ?Who was the original creditor?
  • ?Do you own the debt or are you collecting on behalf of someone else?
  • ?Can you send a full statement of account in writing?
  • ?Can you send proof of the assignment or purchase of this debt?
  • ?Can you send a copy of the original credit agreement where applicable?
  • ?Is collection activity on hold while I seek advice?
  • ?What is your formal complaints process?

Contact details

PhoneNot verified
EmailNot verified
Registered addressSecond Floor, G Mill, Dean Clough, Halifax, HX3 5AX

Always use contact details from Credit Resource Solutions Limited’s official website ↗ or the FCA Register — not from unexpected letters or messages.

Regulatory and company information

FCA Firm Reference Number626796
FCA statusAuthorised
Companies House number04690879
Company statusActive
Parent companyNot verified

Useful official links

What they do

Main products and services

Debt collection; Debt recovery; Consumer credit management

Trading names and group notes

No confirmed group parent as of June 2026. Registered in England and Wales.

Reviews and public sentiment

Review scores are third-party public indicators only. They are not proof of FCA compliance, product quality, or suitability for your circumstances.

Trustpilot

4.4

Approx. 3,256 reviews

Other review sources

payCRS rated 'Excellent' on Trustpilot with 4.4/5. Customers praise simplicity and affordable repayment options.

Overall public sentiment

Mostly positive. High Trustpilot score. Some negative reviews about credit score impacts and disputed debts.

Get free qualified debt advice first

Before making any payment decision or agreeing to a plan, speak to a free regulated debt adviser who can review your full situation.

Organise your budget before making any decisions

Before making any payment decisions about a debt, get free qualified debt advice from StepChange, National Debtline or Citizens Advice. Ask Fin can also help you understand your monthly income and outgoings more clearly — but is not a substitute for regulated debt advice. General guidance only.

Explore Ask Fin — £4.99/month

Related Ask Fin tools

General guidance tools only. Not regulated advice.

Common questions about Credit Resource Solutions Limited

Why has Credit Resource Solutions Limited contacted me?+
Credit Resource Solutions Limited may have contacted you about a debt that is owed to them or to a company they represent. Always check the company is FCA-registered at register.fca.org.uk before taking any action. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Does Credit Resource Solutions Limited own the debt or collect it on behalf of someone else?+
Some companies own debts outright (debt purchasers) while others collect on behalf of the original creditor (debt collectors). You are entitled to ask Credit Resource Solutions Limited to confirm this in writing, along with the name of the original creditor.
Can I ask Credit Resource Solutions Limited for proof of the debt?+
You may ask Credit Resource Solutions Limited to provide a written statement of account showing the amount owed, the original creditor, and any charges or interest added. It is generally advisable to seek free debt advice before making any payment on a debt you do not recognise.
Should I ignore letters or calls from Credit Resource Solutions Limited?+
It is generally not advisable to ignore contact from a debt collection company. Ignoring the contact does not make the debt go away and may result in further action being taken. However, do seek free advice before responding or making any payment.
Can Credit Resource Solutions Limited take me to court?+
If a debt is owed and unpaid, a creditor or debt purchaser may apply to court for a County Court Judgement (CCJ) in England, Wales or Northern Ireland. Getting free regulated debt advice early gives you more options. If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).
Can Credit Resource Solutions Limited visit my home?+
Debt collectors can visit your home but cannot enter without your permission and do not have the legal powers of a bailiff. If you are concerned about a doorstep visit, contact Citizens Advice or National Debtline for guidance before the visit.
Where can I get free debt help?+
If you are struggling with payments or under financial pressure, free regulated debt advice is available from StepChange (0800 138 1111), National Debtline (0808 808 4000) and Citizens Advice (0800 144 8848).

Answers are general guidance only. Rules and procedures may change. Always verify with the company or a qualified adviser.

Related guides and resources

Sources and date checks

Other Debt Collector companies

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