Yes, I had noticed that. Also had a letter today from resolvecall asking me to contact them, I suspect they are part of Marlin from the way it has been written. It also lists the creditor as BPF.

Resolvecall have entered our property when noone was home and put in pay as you go meters (due to a disputed unpaid debt), they have also changed the locks. I am now home with my 3 children and no way of getting into my property. Is this right? is this legal? what can i do?

Yes ScotCall are assigned to collect/manage accounts. one of the most persistent 'door stepping' DCAs take a look at the groups web site, also resolvecall part of the same group.

Resolvecall I think the company is called.

Contact Barclaycard to find out what is going on. They should have sent you a letter, if anyone else was going to be dealing with your account. I think Mercers are Barclays own debt collection people. Resolvecall I think are part of Mackenzie Hall DCA's and they will chase on behalf of many different companies. Unless the account was in default, I don't think it should have been passed for any debt collection activity. Mistake by Barclaycard ?

Hi all, just received a court claim from Keynes Collections, on behalf of Barclaycard, today but this one has an interesting history. Back in 2008 I had a Goldfish card, then Barclays bought out Goldfish and I had a Barclays Goldfish card. Everything was fine, then in mid 2010 my card was declined when I tried to use it; no payments had ever been missed on it, within my credit limit etc.. Thought it a mistake, tried again a day or two later, again declined. I contacted Barclays, who informed me that the card was now repayment only, because of my conduct on a previous Barclaycard (I had run into trouble with a Barclaycard before, and that was on the back burner as they could not produce any of my agreement info). No prior letter, warning, nothing. I wasn't best pleased, made a formal complaint and refused to pay what would have been essentially a loan, at an interest rate of 17.9% (they refused to freeze interest) Well, after a letter exchange in which they continually refused to address the problem (I was told their terms and conditions allowed them to do anything!) I told them I would not be paying anything further. A few demands came my way then it went quiet. I had letters from Mercers, Resolvecall,Calder Financial, Credit Solutions, Power2Contact, MKRR and Keynes (I know some of these are interconnected). I explained to each that I regarded this account as IN DISPUTE, due to the nature of the complaint, and that it should not have been passed on, and they tended to go away. MKRR, in late 2011, claimed to have been assigned the debt by Barclays; I wrote to them and Barclays asking for proof of this, as I never received anything. Barclays never replied, and MKRR said they would look into it and get back to me. That was January 2012; in August 2012 I received a letter from Keynes threatening court action; sent a letter saying who are you, where are MKRR, prove you should be processing my data. No reply. Then out of the blue, Keynes sent a letter beginning of Feb giving me 7 days to contact them to pay; I ignored it, and then today received the court claim from them (phew!) I would appreciate all questions and advice but can I ask:- 1. As my goldfish card was converted to a barclaycard, should they have blocked it the way they did? 2. Would Barclays t & c have superseded the Goldfish ones, even though those were the ones I agreed to? 3. I still am not in possession of any proof of assignment. Can they issue a court claim without this? 4. Were Barclays allowed to sell on the debt, assuming they did, even if it was in dispute? Just to add to the excitement, the figure on the court claim includes several hundred pounds in interest charges on my account that were added many months on from my original claim, and is money I am trying to claim back from Barclays as unfair charges. Does this affect things any? Thanks for reading this far, and any input is welcome!

Arden wrote back - apparently it's idem servicing who own the account - bloody hell, I am getting fed up with this. Can anyone shed any light on the Fredrickson International thing? The letter doesn't say they have sold the debt, just passed it on so that Fredrickson will deal with it. I am still unsure as to what Resolvecall had to do with this.

OK thanks again. In the meantime should we recommence payments to Arden, to keep Resolvecall off our backs - say £1 or something? We are not paying anything at the moment. Cheers Low

Yes 100% agree, IGNORE Resolvecall, they are trying to fleece you blind, hold fire and wait and see what other missives drop throygh your door.

So are all my figures correct then, including my PPI reclaim, do you think? Where do we go from here, bearing in mind I don't think we have received everything we should have from the CCA request, Arden are pushing for an Income and Expenditure form, and Resolvecall are now on the case? Thanks again

Thanks will do it after tea. Just opened a letter from Resolvecall

I've now got these guys chasing me for a debt I owe to barclaycard. I sent them the stands email I do not allow you to visit my house etc and got this in return. Good Afternoon, The case you have referred to is not applicable to your circumstances. As part of the credit agreement that you signed and entered into, you agreed to repay the full outstanding balance and that where necessary, the creditor could recover the debt by outsourcing the debt to a third party, which included by way of doorstep collection. Therefore the licence you state that has been revoked is irrelevant, which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law. We are entitled by law and under contract to recover monies outstanding and we are allowed to take reasonable steps in accordance with regulatory guidance to recover such monies. Regards Resolvecall Any advice on a next step? thanks Ben

Hello - 1) I sent a SAR to Lombard Direct - who said 'we don't have it, idem servicing have all the info.' 2) Idemsevicing don't deal with the account Arden do. 3) Did send a cca to Arden - recon has no name, address, t's &c's etc 4) Account sent to Resolvecall - so I sent a SAR to them - reply 'we don't hold any of that information - go back to our client' So - do I sar Arden or just ignore now, cos it seems to me they have no leg to stand on

Righto - sar letter off to resolvecall and one stating they cannot call at my home.

ResolveCall are on of the worst for this kind of threat, please stay off the phone. Send the following letter to the Compliance Manager. Sir, Ref: use theirs. I refer to a telephone coversation with one of your most unpleasant operatives on xx xx xxxx regarding threats of an ''agent'' calling at my home to discuss an alleged debt, please take note I will not be intimidated by such an arrogant approach and confirm formally that any visits are totally unacceptable and I will not discuss my financial affairs with intinerant ''agents'' from yours or any other company. Should any visit occurr after you have received this letter it will be treated as harassment and be reported to the OFT. I will conduct correspondence in writting only no phone calls or e mails are to made. I have a vulnerable relative living at my address and any distress caused by unauthorised visits by any agent, representative or employee of your company will result in legal action. Final Response. Send recorded delivery and check when they receive it. Never phone Vanquis.

Ok - I know I am being a pain, but I need to get this right. I haven't told Arden we dispute the amount they say we owe. They have not provided a recon either... although they say they have. If I tell resolvecall the account is in dispute and they try to arrange a home visit and charge me £100 - what do I do then?

Ok - apologies! Ususally I get a response quicker than this! Patience is not a virtue of mine. No, resolvecall have not contacted me - I am going to SAR Arden - I don't think they will have anything, Lombard Direct didn't. If this is the case, then surely they do not have a leg to stand on?

I can't find my original thread so I have to begin a new one Arden 1) CCA'd them - they provide a 'recon' - it has no name, no address, no signature, no T's & C's - nada 2) I write to them tell them it's not acceptable 3)I write a cca non-compliance letter and stated I do not recognise the debt 4) I SAR'd Lombard Direct for all the records they returned the cheque saying all records had been passed to Arden - BUT Arden don't have a copy of the original document. 5) They have now written saying they have passed the account to an external company called 'Resolvecall' who will arrange a visit within 5 days to 'discuss the matter in person' and we may be charged £100! What do I do next?

Hello, I am a newbie (although I have been a lurker for a while) so hopefully doing this right? Me and my partner are in one massive financial hell at the moment and I am struggling to see any light at the end of the tunnel. I understand we have got ourselves in this mess and I am lookng for advice.... we are beating ourselves up over this enough and are looking for some friendly help, don't need telling how stupid we have been, we already know ... Short story is we owe approx 28000 ish to over 20 creditors... some debts small £100 ish... the biggest single debt being an old overdraft which stands at £5000... this has been over a period of about 8 years and started with borrowing initially when my partner lost his job just to be able to meet mortgage payments so we didnt loose our home and paying essentials and has steadily got worse and worse until it got to a point we can no longer cope. We entered into a DMP which lasted just under a year and unfortuately through various personal circs we ended up with an ever decreasing income and the DMP along with everything else crumbled... Things have very very recently returned to a point where we finally have a steady decent ish income coming back into the household (which is thankfully for the forseeable future) and I need to sort something out... I dont want to ignore this as its never going to go away. I have arrears on my mortgage which I have just come to a suitable arrangeent with my lender that I can definately stick to to clear that over the next 4 months but as for the other debt (all is unsecured) I have people chasing me left right and centre (companies and DCA) and I am at a total loss at where to start... I have contacted Payplan and have an appt with them next week over the phone to see what if any debt solutions could be suitable but it is at the point wher I wont answer my door as I have had DCA knocking the past few days (resolvecall for a vanquis debt) threatening letters coming through from Mac Hall and the lewis group, calls at work (which there not happy with at all) and I'm getting really bogged down in it all. Any suggestions very greatfully received - thankyou for reading... just needed to get it all written down to clear my head a little x

thats the letter i sent to them and then got back this back.... ."Resolvecall informs me that as part of the credit agreement I signed and entered into, I agreed to pay the full outstanding balance and that where necessary the creditor could recover the debt by outsourcing the debt to a third party which included by way of doorstep collection. The second paragraph of their letter reads "Therefore the licence you state that has been revoked is irrelevant which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law" I have no idea what this means or to what is refers. They end with stating that they are entitled by law and under contract to recover monies outstanding and can take reasonable steps in accordance with regulatory guidance is there another letter to send please,

thats the letter i sent to them and then got back this back.... ."Resolvecall informs me that as part of the credit agreement I signed and entered into, I agreed to pay the full outstanding balance and that where necessary the creditor could recover the debt by outsourcing the debt to a third party which included by way of doorstep collection. The second paragraph of their letter reads "Therefore the licence you state that has been revoked is irrelevant which for the avoidance of doubt we do not agree to, is not binding on us as it does not fulfill the relevant principles of contract law" I have no idea what this means or to what is refers. They end with stating that they are entitled by law and under contract to recover monies outstanding and can take reasonable steps in accordance with regulatory guidance is there another letter to send please,

Hi guys, my wife got a loan from Abbey around 8 years ago for £8000 this was a joint loan with her then room mate and friend. As the room mate was the good one with money at the time the payments were left to her by my wife, who sent her half of the payment which was £100. About 6 years ago my wife no longer spoke to her "friend", but had come to an arrangement with the mother of the ex-friend as the mother could be trusted, the £100 was placed in the mothers account each month, for the first 2 years this was over the counter at barclays bank. For the last 4 years these payments have been made by SO from my wifes account to the mothers account. And now for the problem, it turns out the mother who was trustworthy and the ex-friend who was good with money aint, about 4 months ago there was a open postcard from a DCA from Resolvecall sent on behalf of a company called CapQuest. This postcard told my wife to call urgently regarding her account, when my wife called she was informed that the outstanding balance now stands at £20794.80. I got home from work to find my wife in tears, this company said that there has been no payments made at all since the account was opened and that my wife will need to pay this all. We decided that this didn't seem correct and was going to appeal this decision, my sent a letter of authority to CapQuest for me to speak on her behalf as she gets emotional when she talks to them. A letter of dispute was sent to them which placed the account on hold for 30 days. We had originally called in the police who rightfully informed us that this was a civil dispute, we requested the bank statements for my wife's account to show the SO each month going to here the mothers account. CapQuest also said that they have been trying to get hold of my wife for years, of which we do not understand as we are both on the electoral roll, both on the tenants agreement for are home, my wife has a HP car in her name, and also a littlewoods account and a credit card, it should not have taken long for them to get hold of her. Also surely a default of this size would have affected her credit fill which this was not the case as the listed items above would show, and also we had checked her file with experian a few months before the postcard arrived and she was listed with an excellent score. Is there any advice you guys and gals could give in regards to fighting this issue. I feel that the postcard is in breach of at least one law? and also surely the £20k is a bit steep? Also what can be done about her ex-friend basically pocketing the money? also there was possible rumours that my wife had heard that her ex-friend was now bankrupt due to fines she had been given from benefits fraud. Many thanks in advance.

It's Consumer Credit Agreement, yes? It would seem that way. These "resolvecall" (Edit) have just not cared about the letters I sent them and turned up anyway! Can I prosecute them?

Update!!! Letter received today admitting they don't have the original cca and that a reconstituted copy is enough to enforce under con credit act reg 3(2). it says I will not be released from any obligation and that "Resolvecall" will be visiting me... Any opinions please!

Hi, I eventually got the funds together so that I could send the £10 PO to MBNA for the SAR and the £1 PO to go to Moorcroft for the CCA request (better late than never I suppose). I am sending the letters recorded/signed for delivery today on my way to work. I made the PO out to MBNA and Moorcroft instead of leaving them blank I do hope that this was the correct thing to do. In between my last post things seem to have heated up for some unknown reason, starting with a couple of letters from Arden Credit Management. Seemingly despite their numerous attempts to contact me they have not had a response or an indication of my willingness to resolvn the matter so they (a Neil Bond aka James for the fantasy world he must live in) has reviewed my account and he has determined that further action is necessary and instructed field agents (the bond theme again) to attend my property to discuss the matter with me personally. Oh and that is a £75 charge for me. On Wednesday I arrived home to a brown envelope with my name and address scrawled on it together with delivered by hand and the date. It contained a calling card from Resolvecall with the usual call us or else. On Thursday I was at home when the "agent" hammered on my door so I took the opportunity to give him an indication of my willingness to resolve the matter via standing at the window giving hmi the reverse victory sign. He went red and hammered on the door a few times before jumping into his car a nd took 20 mins to write another calling card which he posted through my letterbox. what t Although it was quite funny these idiots are starting to really annoy me, would it be in my best interests to send them the no calling letter and also add on that they can stick the £75 where the sun don't shine. I would not like these bozos to knock one day and my young son answer or anything so thought I'd best ask what to do to stop them. Thanks, will let you know what MBNA do and Moorcroft when or if I get replies.