CreditLink Account Recovery Solutions Anmeldelser 

Disgusting vultures utterly lacking in integrity or legitimacy. Thieves who should not exist

Tried it on basically. Somehow found out when my old insurer wrote off my car 5 years ago (all resolved no debt owed to anyone) and they make up a claim to try and make you believe you owe money and make vague threats about non-payment. Well here's your solution should you ever be contacted by this company. I drafted and sent this email to their complaints and customer service department and within 24 hours they sent a response indicating they are no longer pursuing me and passed my case back to O2 Drive... No you haven't because they ceases trading in 2021! Utter lies because they knew they'd been caught out!

Email the following people at Carsuk;
complaints
admin

Here's the email you need to send remember to replace O2 Drive with the name of the company they claim passed your debt to them;

Dear Complaints & Legal Team,

This email serves as a formal complaint, a cease and desist notice, and a demand for immediate investigation into your fraudulent and baseless attempt to recover money you claim is owed to O2 Drive.

Your behaviour is not only unacceptable — it is unlawful.

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Let me be absolutely clear: this alleged debt is fabricated.

The insurance policy in question was cancelled by the insurer following a total loss/write-off.
The matter was fully resolved years ago and no outstanding balance existed then or at any point afterwards.

Your attempt to resurrect a non-existent debt, five years after the event, is:

misleading

aggressive

a breach of FCA CONC regulations

a breach of the Consumer Protection from Unfair Trading Regulations 2008

a breach of the Administration of Justice Act 1970 (s.40 – harassment of debtors)

You have no legal grounds, no enforceable debt, and no documentation.
Your reputation on Trustpilot shows identical patterns of behaviour — repeatedly chasing non-existent or fully settled debts, then admitting fault, then harassing customers again.

Your conduct in my case fits that pattern precisely.

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You are now instructed to immediately cease all contact unless you can provide ALL of the following:

1. Original creditor documentation proving the debt exists

2. A full, itemised breakdown of the alleged balance

3. Copies of all original communications relating to any alleged outstanding amount

4. Evidence of assignment allowing you to pursue this debt

5. Proof the debt is not statute-barred

6. Proof that O2 Drive themselves have validated the debt and confirmed its accuracy

If you cannot provide this, your pursuit is fraudulent and knowingly dishonest.

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If you contact me again without providing full evidence, I will take the following actions without further warning:

1. Submit a full report to the Financial Conduct Authority (FCA)

Referencing breaches of CONC 7.5, 7.14, 7.17 and multiple other regulatory failures.

2. Submit a formal complaint to the Financial Ombudsman Service (FOS)

Including your pattern of attempting to recover invented debts.

3. Lodge a harassment report with Action Fraud and the Police

Under the Administration of Justice Act 1970 and the Protection from Harassment Act 1997.

4. Publicly document your conduct

Providing screenshots, timeline, and the full complaint for public awareness.

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You have one final chance to fix this before it escalates beyond your control.

You must reply in writing within 7 days either:

providing full evidence that this debt exists, or

confirming the immediate closure of the case, the removal of all data, and the cessation of all contact.

Failure to do either will trigger the escalations listed above — without exception.

I expect your legal team to treat this matter with the seriousness it deserves.

Yours faithfully,

Never going pay this made up debt I have just recently clear all my debts and owe nothing and chasing for £93 for nothing so I am glad I saw everyone reviews

Chasing debts that have been settled with court rulings, absolute scammers and chancers. They have had written letters next time to take these clowns to court as they are breaking uk laws.

My son repitetly received emails saying "I"owe a dept. ?????? Deffo scammers idiots can't even write to the right address for there scam 🤣🤣🤣🤣🤣🤣

What a scam and con company telling i owe money and i don't even live in UK anymore. Be careful with them

An absolute joke of a company!
RAC passed an account over to creditcontrol carsuk who are trying to claim money that is not owed to them. I have evidence that the balance was refunded by RAC due to non service provided.

I will be taking them to small claims court very soon! Watch this space

Had a text and email from this company today .

To do with a debt I do not owe to a company until April I have never heard of .

The last scammers who tried to get money out of me for this so called debt never provided proof of debt as requested and it appears have sold this to these scammers to .

Get proof of debt before you bother me again and all company’s involved now will be reported to FSA and if anyone knocks on my door I will call the police

Grift company chasing me for a discounted amount from a debt I settled with another company I have written and online account proof that the debt was settled yet this does not seem to stop them harassing

I received a letter saying I owe £162 for water. I was sure i didn't so checked on here and pretty sure it's a scam.

This company will constantly harass you by texting and calling even when you have made payments towards the debt. They have zero consideration of individuals whom have mental illness such as bipolar disorder, they push you into a state of depression and anxiety and take zero responsibility for it. I have had since the debt was passed on 5th March 2025 received over 12 texts and had numerous calls after I’ve made a payment towards, harassing people sending text messages everyday isn’t going to get the money to you quicker.

Beware of this company they are scammers!
Keep contacting me by letter and SMS saying I owe my network provider money when my direct debit is up to date.
Been going on for two years!

If i could i will place under 1☆...most disrespectifull company.... they trying to get £64 which ix 10y old and its my mums. Poor guys i should send them mord for Tea and milk....

Chasing for a supposed debt to Thames Water from 2 years ago. I don't owe Thames Water anything and am not the bill payer in my home. So completely made up debt.

Will ignore them and not even call as I don't want them to have my number.

Shambles of a company stay clear! Have been constantly messaged and emailed by this company, apparently passed on from somewhere called Jefferson capital? Never heard of or dealt with them but trying to get me to pay over the phone, then being really invasive with questioning about my health. When I asked if they have a copy of the cca I supposed to have entered into, man was still asking about my health situation and my hospital/ doctors appointments. When I repeatedly asked for proof so I know I am speaking to someone legit, they keep saying they will send me proof after admitting they don’t have anything on me. Asked for a transcript of the call but they ‘don’t do that’. What a surprise

They keep sending me emails, asking for £115 for Sky Broadband, even though I’ve already sorted it out with Sky.

Rude obnoxious woman called me. Started off nicely nicely but when I said I was not prepared to confirm details over the phone her attitude changed to aggressive and not a person I wanted to give my time to. Blocked number and I’ll wait on a letter which I’ll reply to on my terms. Hope you read this actually and get some training.

Do I have to give a star? They are not worthy of the one I had to give them. Still chasing me for a debt that was repaid in full last year, despite being shown proof from both myself and the initial company the money was owed to. Absolutely useless. I'm taking my case to the ombudsman.

CHASING A DEBT I NEVER OWED DUE TO AN INSURANCE COMPANY DOING THEMSELFS WOULDNT INSURE ME AT NEW ADDRESS AND CANCELLED POLICY AND THEN INSISTED I PAYED THE CANCELLATION FEES AS THEY CANCELLED IT AND NOW THIS BAFFOONS ARE STILL TRYING TO CHASE ME AND HARRASS ME AND BULLY ME I HAVE ALREADY EXPLAINED MY REASONS AND THEY WONT BACK OFF I HAVE NOW HAD TO START A COURT ACTION AGAINST THEM I HAVE ALREADY SENT MY PROOF IN TO COURT AND ITS COST ME THOUSANDS TO DO SO AND THIS MONEY WONT BE RECOVERABLE

Truly Awful and unprofessional
these guys are disingenuous to the end
Employed by unprofessional companies (like Esure) because they share the same lack of integrity and scruples !