Did you get this sorted out? I had the same situation happen few days ago with a doorstep stooge upset my wife when I was out .

Many thanks dx100uk, The slight problem is I have binned any and all letters from capquest and these new resovlecall, The only one I have is the hand delivered paper saying they visited and urgent attention .. Should I send the letter to these or just wait and see if I receive another from capquest,, Bit annoyed with these people visiting my house and upsetting my wife, i dont feel I would be polite if they came back.

Hi! Resolve Call & A Statue Barred Debt! - Debt Collection Agencies - Consumer Action Group I have just had exactly the same situation occur, I got home on friday to my wife telling me a man with a ID badge on a string around his neck banged on our front door and after she told him I was not home and closed the door, he proceeded to write a paper out and post through our front door,, I had a letter from a debt company about 2 weeks ago telling me they have either passed on the debt or have instructed resolve? I cant remeber the company as I threw it straight in the bin, I am sure they are referring to a debt from 2006 which has well gone past any kind of hope they can expect to get anything from myself ,, could anyone please direct me in the direction of which letter i send them , ie statuary barred ,, also when i do the letter should i put my name on it or just the ref number and also do i sign it or just leave it, I really am pretty disgusted these people (who seemed to be bully boy according to my wife) have the cheek to visit me for a debt from 16 years ago,, well 10 years stature barred,, Any advise most welcome thank you ! Just to add after reading another post I remember the original debt was for a credit card from american express that capquest had obtained, I never had any kind of CC and no communication with anyone for 16 years ,, any letters which have come to me have gone straight into the bin, I guess i should send a letter and get it finished with ,,

Yes understood and thank you once agan for your help here, merry christmas indeed

Thanks again Brigadier2jcs! you have once again helped me out of a bind! I am all clear on the credit file soon then, and i guessed it wasnt right that they could default me a year later!, I doubt i will write to anyone as its only feb 2013 now and i wil have nothing on my credit file, does this mean i could then apply for a mortgage or would there still be records on the banks i had problems with computers? cheers

This really is a most helpful site, thanks very much for your swift responce, i really appreciate it, and i also thought pretty much the same thing as feb i will be clear, only thing now i wonder if i will ever be able to apply for credit again with any of the old creditors that lent me money before? as one day who knows, Many thanks for your help

Hi all, i had quite a few defaults on debts to my name but they have all dropped off my credit history now and no ccj's apart from one cahoot bank account overdraught which was 2600 pounds, it has a non payment in the feb if 2006, then goes in number form up to 6 from 1-6 months, then it contuines showing number 6 until feb 2007 when it then shows a D so even though i defaulted in feb 2006 it only shows a Default 1 year later! I also noticed a few searches by debt companys, is this normal to have a default listed a year later? as i am now nearly 7 years past any defaults and was hoping to get my life in order but it seems i stiill cannot as this one still showing, how odd any advise thanks

WOW that is like a great weight lifted from my shoulders Brigadier. Thank you ever so much you are a top gentleman

sorry meant to say should i send letter now or wait until someone contacts me? thanks again

Well thank you very much for the offer, as it is i intend to now give my new address to my 1 and only bank that i use. So should any sharks come after me, should i send letter now then or do you think i should write now? thank you ever so much Brigadier you are a great relief

many thanks brigadier Exact date "Default Date 27/04/2006" and having re read my credit file the setteled was in oct 2007 not 2006!? So it is the time i wrote to my lenders in feb 2006 explaining i couldn't pay which was my last contact,, meaning that its statue barred from then not april 2006 when the default was put onto my account..... And i no longer should worry about the collectors? I have more then 1 debt but they were all written to in feb 2006 as i had a breakdown lost my job etc etc thank you for taking the time to reply

Thanks for the reply, So the last time i made contact with my lender all that time ago should be my only concern, my debt that was with egg credit card i wrote a letter to then in feb 2006 explaining my difficultys and i was not in a position to pay then anything, they defaulted me in april 2006 after they put 1 2 D on my credit file, then in may it has a settled on the account? i know nothing about it, i buried my head in the sand and surfaced only recently to check my file as i would like to restart my life, then it says i have a default to lowells in october ? So is the complete thing now statue barred or is the default with lowells still enforceable as that was not placed until oct 2006? many thanks

Well this is certainly not the case with my report, None show a date it will be reported till? So the debt where i have 1 2 D is where i have not paid 3 times the 3rd being the default but i have a credit card that shows its been settled then a firm called lowell? have me down as 4 4 4 4 4 4 for about six months before defaulting me, i have no idea who they are and can only guess they brought this debt,, so does the default start from the FIRST non payment or the first Default that i have received on the file as for some reason my credit history is showing that the debts only defaulted in october when in fact i stopped paying in feb and sent a letter to who ever i owed saying i was not in a position to pay anyone,, so no contact since feb 2006 but defaults start in october 2006 i am confused

I managed to get a copy of my credit report yesterday, pretty awful sight well i have a few defaults on my file dating back to 2006, the only thing is that i had written to my lenders back in feb 2006 and told them i wouldnt be able to make payments, so on my file i have had a couple of yellow payments missed, then it goes red with 3, 4 4 4 4 4 4 D so they have a red number 4 for months before it goes to default? Does this mean they will stay on my file until the D date which is actually 6 months after i wrote to them back in 2006.. my last communication with them... I was hoping to start fresh now but the my file still has some long time defaults not removed yet. Also looks like a company brought a debt off the bank and have also done the red 3 4 4 4 thing, so the default is well after the actual date it was defaulted.. i hardly want to write to any of the company's concerned as i will in now way acknowledge the debts and i do not want to remind them... advice please

No they took £1 and got a lot of information, it was £2 for online instant access, NON of which i received, http://www.equifax.co.uk/Products/credit/statutory-report.html There has been a £1 taken out of my balance in my bank account and i have not spent £1 anywhere so it can only have been taken by these people, all part of there tricks i believe