I recently received a letter from Capquest informing me that they are transferring a debt that they claim I owe to Capital One, from themselves to another company called Resolvecall. Today another letter arrives and I received a text message stating that they would be sending someone to my home address. About twenty years ago I defaulted on some unsecured debt, I genuinely do not remember having a credit card with Capital One, in fact I have an account with them that I opened about four years ago which is in credit and I’ve always paid off in full every month. I have emailed them a standard prove it letter today and received a reply about half an hour later which contained this gem: “Unfortunately, it has come to our attention that there are certain websites purporting to provide information which will allow their users to avoid repayment or discussion of debts. It is our belief these sites are disseminating misinformation which is both unhelpful and harmful to the consumer. The letter you have sent is one of these templates. It appears to be a letter of dispute but simply lists the regulations around disputed debt and it does not explain to us why you are specifically disputing this debt.” I absolutely won’t be paying them anything, however I do not want any letters or visits as this would cause me terrible problems at home. I’ve replied to their email stating clearly that I don’t recognise the debt and that it would be statute barred anyway and not to contact me again. What can I do if they persist in chasing me? This is causing me considerable alarm and distress - I’ve made huge efforts to sort my life out and become a responsible and productive member of society over the last decade.

Hi, had another knock at the door today from resolve call I didn't answer but they spoke to my neighbour giving my name and asking who lives at the address. I feel so embarrassed I know they have no power but it's not very nice having someone knocking at your door. This is an old catalogue debt from about 10 years ago which is statue barred. How can I get them to stop? Should I contact them? I did try to contact Capquest who say they no longer manage the debt.

Evening good people, Yesterday I received a letter from capquest saying "We are writing in relation to your SANTANDER account, with which the balance of £1327.20 remains outstanding. We note that you have yet to contact us to discuss a suitable repayment option for your account. Your account will now be managed by resolvecall, a debt collection agency who work on behalf of capquest and are also authorised and regulated by the Financial Conduct Authority." It goes on to say that they specialise in visiting customers' properties etc. I also received a text message from resolvecall yesterday at 11.52am saying "Your account has been passed to us for a home visit. To prevent please visit www.myresolvecall.co.uk/?id=G9Kfpn. Thank you." I don't know what to do. I am a customer of Santander already and have an overdraft with them and have always found them to be very helpful when I have needed help. Would they not surely have mentioned this debt to me before now? I don't know (I don't remember) what this debt is or when it is from or what I should do next. I have read reviews about resolvecall being aggressive and abusive and not very helpful at all and I do not want people like that turning up at my front door. I have had ongoing issues with my brain since 2007 (2 brain haemorrhages, five brain surgeries, chronic daily migraine sufferer) and I just don't want the hassle of people turning up at my door. Should I get in touch with these resolvecall people by telephone? Or capquest? If I genuinely do owe this money, I am not trying to get out of paying it, I just have no recollection of it at all and I do not have £1327.20 to hand to just pay it off. Help x

Hi Consumer Action Group. Looking for some advice regarding my wifes old student loans. She took out three student loans in 1996/97/98. she has never earned the threshold for repayment. she deferred her repayments for a few years maybe till 2005ish, then she stopped. There has certainly been no contact from her in the last ten years for certain. She continues to get 'notice of sums in arrears' which go to her mothers house where she lived as a student. All was quiet until the beginning of this year when she had a letter from capquest saying they were instructing Resolvecall. Sure enough Resolvecall wrote saying we're sending someone 'to make a personal visit to your home', which they did and we're told she no longer lives there. Three months later another threat letter from Resolvecall about a 'personal visit', that was 5 months ago. I think it time to try and nip this up once and for all. My feeling is to send a SB letter but I'm just so confused of the new rules regarding 'cause of action', I have no idea if she has ever been defaulted. So is SB letter way to go? who do i send it to? and when does the 6yrs run from with regard 'cause of action'? sry for the long post and look forward to hearing your wisdom!

RC knocked at the door to speak to my husband. He was quite unhelpful with the guy so was just handed a piece of paper with details to contact the Resolve office. Afterwards, my husband admitted to me that he has ignored a few letters from them for £1100 which is an old credit card debt which he defaulted on 16 years ago. I knew he'd left behind a bit of debt from his younger years, and had 1 ccj (neither of us can remember what it was for) when we moved abroad 12 years ago We've been back in the UK for several years now. He's not been chased for any of the debts until this. We have a mortgage and clear credit files which I've seen and re checked today. Anyway the knock on the door has totally stressed me out! We're not able to pay that sort of money and I do worry this could tip hubby back into depression? Don't know what we should do now? I really don't want them knocking again. I'd be really grateful for any advice on what to do next?

Hi, I received a letter from Resolve saying they would visit my home in 7 days to which they did, although I only got the letter 3 days beforehand. The Original Creditor was Bluestone finance for a motor vehicle, then Cabot got it and tried various attempts etc, Then it all went quiet for a number of years until the resolve letter arrived. This Account is over 15 yr old and no payments have been made in this time either. Thank you Is there a letter I can hand to the resolve Rep when they come knocking again? or what is the best way of dealing with this The letter is as below. Resolve Ref......... Acc Num Balance ........ Original Creditor Bluestone HP Conditional Sale Re Cabot Financial We are acting on behalf of Cabot who have purchased the account from Bluestone and we have been instructed by them to collect the balance. It is in your interest to contact resolve to help us understand your circumstances etc etc, if you don't we will call to your home to discuss and enable us to discuss the account and your options to resolve this matter.

Hi, hope everyone is well. Just received a letter from Resolvecall who are working on behalf of Cabot regarding a RBS Credit card account they have brought. Saying the usual please contact within 7 days or we will come to you etc. No payments have been made since mid 2015 and was defaulted Jan 2016, no CCA has been asked for. At the moment I don't want anyone turning up at my door, how is the best way to handle this. Thanks JJ

I received another letter from capquest today, the same wording as the first one telling me that resolvecall will now be managing my account etc but this is for £319 Shop Direct. I have no idea what is going on. My question @dx100uk should I just send another SB letter to them for this? x

Hi, a debt collector came to our home today, the name he asked for was a previous name of mine, my husband didn’t acknowledge my previous name to him, I’ve remarried and haven’t used that name for over 5 years, prior to that I left my previous marriage over 8 years ago, I’ve had no debts whatsoever in the last 8 years. I have no knowledge of what this debt is even for, it could possibly be from my previous marriage but unsure, can they chase me if it is for a debt that has had no payments or anything registered against it for over 8 years? Any advice welcome. How do I stop them coming to our door again?

I have been receiving text messages from Capquest for a while now and I just thought it was a scam. I received a letter a few weeks ago stating I had a debt with Shop Direct which I don't recognise, I have never had a catalogue or had anything from very ect.. I received a letter from Resolvecall stating they are acting on Capquest behalf, they have also stated that I have 7 days to contact them or "Capquest will instruct them to arrange a visit to your property". The letter is dated 20th I only received it this morning.

I have a current active credit card with aqua and over time I have been charged £12 a time for late payment or going over limit. Can I claim 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 ,,

Hi, I have an old defaulted Halifax Credit Card. It's dropped off credit report now, I am making £2 payment towards Cabot, last payment Aug 22. Halifax sold this account to Cabot atleast Jan 2020, or earlier, and I've had Resolvecall chasing me as DCAs for Cabot earlier in the year Since this debt is covered by the Consumer Credit Act I will be sending CCA request to Cabot and ResolveCall. Do let me know if you think otherwise, Thanks in advance for your time on this!! Halifax Credit Card £297.41 Last Payment: £2 on Aug 2022 to Cabot Financial Original Lender – Halifax Credit Card Account Type – Credit Card Status – Defaulted Jan 2013 Account Start Date – Jan 2009

Hi all, Many years ago I took a Citi Credit Card and defaulted on it (at least 14 years ago). It wasn't a huge amount and a little over half remained unpaid, but the last COA on the debt was over 11 years ago, so would be statutory barred by now. I received a couple of letters recently related to the debt (and was advised on here a while ago to ignore such letters and not engage with the DCA's, even when I knew the debt was statutory barred). In the last few days, I received a visit from someone from Resolvecall, who didn't ring the bell (We have a video doorbell) but pushed a note through the door to call them regarding the debt. I know the debt isn't legally enforceable anymore. What is the best way to tell them where to go without getting into a spat with them where they dispute my version of events, and try to fob me with off that is enforceable etc.? I don't want them at my house again. Many thanks.

Advice please, Received a letter yesterday from Capquest, regarding an old EGG credit card debt, this would have been from 2001/02 at the latest. Dryden Fairfax sent a couple of letters on their behalf chasing payment in 2019, the last one being in 2020, but nothing since (yeah I know I should have sorted it back then) They have now handed the claim over to Resolvecall. Resolvecall letter received today. My credit record is clear and no CCJ's show up on Trustonline. looking through the other forum posts I'm assuming if they had anything enforceable they would have done so by now? So my question is which is the best way forward, CCA letter or SB Letter? Debt is absolutely SB but I don't want to do the wrong thing. All advise welcome Many Thanks D.

Hi, Capquest have been chasing me for several years regarding debt from 2009, defaulted Circa 2010. The debts in question were bought from Lloyds (Loan) and Orange telecoms. I have treated Resolvecall as irrelevant since Capquest recently threatened me with them. Doorknockers don't bother me, and I'm certain no payments have been made in far greater than 6 years. However, my memory is a little bit shaky regarding any written comms I might have sent to DCA over the years and to who. I am 95% certain that no contact has been made, as most of my letters from DCAs from my old life go into the shredder without response. Do I use a SAR to Arrow to be certain before sending them SB notices? If so, is SAR acknowledgement of any debt?

Hi everyone new member here I'm looking for advice as Im having threats of home visits now with some of these. I currently have 4 credit card debts from 2017/18 . I submitted an offer to pay £1 per month in 2018 which I continued/continue to pay which I’ll list the current details of below for each debt . Tesco Bank - Intrum was paying £1 per month from (at least) 2018-April 23. In April Their system wouldn’t let me make a payment . I called them up to be told the debt had been sold two+ years ago (but they’d still been accepting my £1 payments and refused to send a statement of payments made) Debt was sold to intrum and I received a letter this month from them which was just offering a 50% discount off the amount to settle the account... I haven’t been in touch with them or made any payments. Vanquis-capquest/resolvecall I had a standing order or dd for £1 month from at least 2018 . In October 19 they cancelled the standing order and sold the debt to capquest. I have never had any contact with them nor made any payments to them. I’ve received a letter from them recently saying that the account will be managed by resolvecall who will make home visit. So last payment October 19 Aqua(new day?)- Cabot/Orbit Again I had been paying them £1 per month from 2018 til May/June this year . All through the last 2and half years they kept sending me a letter stating I needed to have a payment plan and “it’s not you it’s us” whatever that means. So I last made payment in May 23. I’ve since had letters from them stating that they’ve asked “Orbit” to visit my home to put me in touch with their debt collection team. I have not responded or been visited yet. Barclaycard- PRA Group I set up a standing order and been paying them £1 per month since 2018. They have passed the debt on to “PRA Group” about 2years ago but I’ve never responded to the company who have wrote and told me to cancel standing order and pay them direct. This continues to be taken £1 per month by barclaycard. Any help appreciated ,sorry it’s a bit of a minefield/essay. The total of all the debts are approx. £2650 I can’t work due to sickness and my anxiety, which is obviously worse with the worry of home visits. Thank you

I've been following threads as I've been in exactly the same position with a Students Loans debt that I have not acknowledged for over 12 years, receiving exactly the same communication that you have received from Capquest. I sent off the statute barred letter yet have heard nothing back from Capquest, today I got a letter from Resolvecall saying someone is going to visit. Does anyone know the next steps I should take now? Can I sent the same statute barred letter to Resolvecall? Thank you

Hi, I'm hoping someone can help me. I took out a student loan in 1997 for £1385 when I was doing my degree, which I stopped due to my Mum dying. I deferred it for years as never earned enough to have to pay it back. I moved in 2010 after deferring again, and although I had my post forwarded, didn't hear from them again until a few years ago started having automated phone calls and text messages from Capquest. I should have dealt with it at the time, but until a few months ago, still didn't earn enough to be eligible to repay. This morning I've received a letter from them stating if I don't make contact by 26th January they will instruct Resolvecall Ltd to visit my home. I've read some advice from different debt advice companies online, but wasn't sure if I should ask Capquest to prove the debt, or try to argue it is statute barred due to the age. I know the rules for student loans did change, but not 100% sure what the change was. Has anyone had something similar? What would you suggest I do to try to resolve? The debt now stands at £2037.43 according to today's letter. thank you Becky

I have got home to a card from Resolvecall saying that they had visited and giving a reference number, I have no idea what it's about. Presumably they think it's a debt. Please can anyone tell me where I can get a template letter to stop them visiting my house? I'm worried that my son could be in and he sufferers from anxiety, also if possible, a letter asking why they are contacting me? Many thanks

Good afternoon, I'm helping my mum with a debt I thought she'd sorted out - I'll give a bit of background first - a loan balance of around £4,500 which when payments became unaffordable due to ill health and loss of job, she offered £100 a month. They accepted this but said it wouldn't reduce the balance, just keep the loan from defaulting. She told them she couldn't afford to pay this indefinitely if the loan would never reduce, said she would rather stop paying and invited them to take her to court. They didn't, they just added interest etc and when the debt reached £8,500 odd they sold it on. Now two years later, I'm finding out that ACI debt collectors has been sending her texts and emails which she hasn't replied to, mainly because she's too ill most of the time, but I suppose also because she's waiting for court so she can set up a real payment plan where payments will go toward the actual debt, but she's told me today that they've sent an email saying that if she doesn't call them within 21 days then "Resolvecall will be instructed to attend your home address to assist you with contacting us to discuss your account" What the hell does "assist you with contacting us" mean? they gonna hold her down and hold the phone to her ear? I'm about to get involved with it now, but I'm hoping I can get some advice on how best to approach this. Its still a year and a half away from being statue barred because she made these reduced payments. I can't be with my mum, but she's vulnerable and I'm worried about her being home alone if they are going to try and intimidate her. I've told her not to answer the door if she's unsure, or not to let anyone in, even if they demand it but I'm worried. Any advice on how best to approach this will be greatly appreciated Thanks. KB

Hello I hope somebody can help a company callled resolve call have been sending me threatening letters for a debt I don't even recall for 254.95 from arrow global they are saying they are going to come to my house. Is there a letter I can send them via email or post to query this debt? I don't know anything about it but in another letter they said it was related to a shop direct account which I believe is more than 6 years old so would this be statue barred? any help would be appreciated as I am recovering from COVID and could do with out this added stress thanks you

This is going to get complicated so trying to keep it simple. I had an old credit card debt I couldnt pay due to loss of income, the last payment would have been around 2012. MNBA took me to court in 2015 or maybe 2017 and the court said the debt was owing BUT couldnt order any repayments due to legal issues I had at the time that prevented it. Basically MBNA got the court order but it couldnt be enforced. Today I received a letter from Resolva demanding payment of the debt which is just under £5,000. I never heard anything from anyone till today. Can this debt still be enforced due to the time limit - is it statue barred or does having an unenforceable court order make any difference to the time for statue barring (6 years)? I have just written back to them and asked for proof of the debt to see what they say.

I think I’ve rattled arrows cage cos today I got a letter about a Sainsbury’s Bank account from them, saying they’ve passed the account on to Resolvecall for them to visit me. I’ll send arrow a cca request this afternoon. H

Hello there, I am just after a little bit of advice please. In February out of the blue I received a letter from Capquest informing me they were now managing my Student Loans Company account on behalf of Erudio Student Loans Limited, they also included a letter from/on behalf of Erudio notifying me of a 'Change of Agency Notification'. They sent a follow up letter at the beginning of March stating that their records indicate there is currently not a repayment plan in place on my account. They then sent a further letter at the end of March informing me that despite their attempts to speak with me they do not have defined solution for the repayment of the account, therefore they would shortly be instructing Resolvecall Limited to visit my property. At the beginning of April I received a letter from Resolvecall informing me that they would be making a personal visit to my home. Yesterday they visited my property and spoke with my wife (I was at work). After reading various forums I have ignored all correspondence with the above but now after a 'visit' feel intimidated somewhat. I started studying in 1997 so the loan account they refer to is a mortgage style student loan. If I remember correctly, when I finished my course I deferred a couple of times initially and then went travelling etc. and had no further contact with the Student Loans Company for a number of years. Upon returning to the UK and starting to work, I set up a small standing order to pay some of the loan but then stopped this in March 2014. I have not contacted the Student Loans Company in over 10 years probably more, and have never had any dealings with Erudio at all, and as mentioned my last payment to the account was in March 2014. Am I correct in the fact that the debt is now statute barred? Should I send a standard statue barred letter to Capquest or should I not engage at all? Thank you for taking the time to read this post and any advice would be most welcome.