Hi sorry if this has been done to death But i am in all sorts of panic & my stress levels are through the roof Last week I got a letter in the post asking about a debt from a mobile phone company from arrow global resolvecall & I’ve revived a second letter this week saying an agent will be making a visit to my property I no longer live at the property that is my parents house but I do still have some mail sent to the address so I’m always told when i have Mail now at first I wondered what it was as I have had no debts & my credit score Is good I looked into this abit further and it’s from orange phone contract this is a debt and my only debt I had when I was young and lost my job through redundancy, when I say young I mean as far back as 2006, I contacted orange at the time and asked if I had an option for reducing the deal or even cancelling and sending the phone back, which they said couldn’t happen, I didn’t even use the phone I had a ccj on my file for this debt as I couldn’t pay which was removed around 5 years ago, when this was removed I thought that was me starting a fresh with the file as I have not heard anything since the ccj was put on my file so about 11 years I started a mortgage application last month and for this to come up out the blue after this amount a time is so strange & is really affecting me as I’m now worried it might have an affect on my mortgage application is this allowed? what can I do? any help would be greatful thanks

My wife has received a demand for monies owed by a company called Capquest. They state that she owes £3476.00p on the 20/10/22. The letter also states the debt is being handled by Resolvecall and managed by them. Resolvecall sent an early payment offer of £2085.84p on the 31/10/22. And the Capquest sent another demand for £5596.76p on the 9/11/22. In the meantime I sent both companies a request under the Consumer credit act which was ignored as they stated it is online fake news? So I then applied for a SAR to both companies. Resolvecall replied stating it was being referred back to Capquest as they held the original debt. Capquest in return replied today asking for full details of Full Name 1st Line of of current address Postcode Date of Birth Last address provided to the credit card company. The first 3 questions were already supplied as they addressed the letter to the above. I am reluctant to provide any such information and refuse to sign anything. Has anyone had dealings with these companies as another name of Arrow Global has appeared as well. And do we have to give anymore information as we requested the SAR. Thank you.

Hello everyone, Ready for a sob story? I fell on hard times years ago after working for a bank (sorry). whilst there I saw/read the terrible things they get up to and do to people regarding insurance/mortgages etc. Seeing these things (and comprehending how they make money out of thin air) made it easier for me to default on a staff loan I had with them when my relationship fell apart and I had to leave the family home and my 18mnth old daughter. I was heartbroken and depressed at the time and not prioritising my finances but instead, trying (legally) to take care of the welfare of my child. I got a ccj for the defaulted loan in December 2015. I had moved and never knew until much later. The original loan was 17k which paid off a previous loan (and debts for the ex) I kept up payments for a while. The ccj is for circa 12k. I’m glad to say that after three attempts to get my daughter to safety, I was awarded custody a few years ago. Sadly my ex drank herself to death early April this year. I currently only work part time on £800 pm due to a collapsed lung which needs surgery. This has been cancelled three times due to Covid. I know I’ve ignored things but Resolvecall have finally caught up with me on the doorstep. I wasn’t in but they left a handwritten card. I am not fussed about my credit history as I don’t ever want credit again/will never afford a mortgage and have a pay as you go phone. My old car is the only thing of value (£1800?). We have very basic stuff otherwise. I do have about £1200 saved for emergencies and a family member has offered to make that up to £2000 to potentially offer them a settlement. What I am fussed about is keeping our heads above water and I have to be honest..if I can get away with not paying them I will. I know some of you won’t like that. So that’s why I’m here I guess - to see if I can keep the wolf from the door. I appreciate that I may get savaged for my attitude but like many others, things are tough right now. I would appreciate your help please no matter how hard it is to hear. Thanks

I've had the same with these guys for a loan thats about 2 years old now with oakbrooke finance for £1600 or £3600 with the interest added on. I get the odd letter now and again from ACI but they mainly email me. They did get Resolve Call involved and sent someone to my address. Nobody was in so they left a card, their latest tactic email came today to say my 21 days are almost up for another RC call to my house with a charge added to my debt because they are using them at my cost. again. I wont be in or not answering "they may start the litigation process" if the RC fails to get an answer from me. This is for an unsecured loan for £1600 (£3468) with interest it's been a debt now for maybe 2/3 years and was finally passed onto TM Legal sometimes late last year. Its a long standing debt to go with other debts I had a while ago. Ignored them for a long time before TM Legal took over. I've searched the forums and not seen these guys pop up before. They've sent me a LBC form. I've filled it out with a section 78 request form asking for more information which is the usual, default notice, CA and NOA. Recorded of course, they got it on the 26th I've had a couple of letters off them, mainly emailing me daily and they've sent Resolvecall out on the 25/4 but the wife told them to go away. I got an email from them today saying that if I hadn't contacted them by 18.00 today (27/4) then they'll have to take it to court, I guess they haven't logged my response to them yet from the LBC I sent. I can see DX rolling his eyes now at me. I'm a bit more savvy this time I hope Lets see how it goes.

thanks dx. I can’t find one from vanquis but I found this from Arrow (if pdf has worked) . I’ve also found about 8 letters from them from before march 2021 (the states default date on my credit file) Also in the last year or so they sent a letter saying ‘here is info I should have received but didn’t ‘, that was basically just copies of old letters from ‘19 onwards ResolveCall’s mind trick attempt with their name didn’t work I didn’t call or resolve anything 2019-10-28 Arrows NOA.pdf

capquest are arrows just another trading name and resolvecall are simply a for hire doorstepping DCA but of course like all DCA's they have no powers whatsoever and are not BAILIFFS. vanquis are notorious for not defaulting a debt in a timely manner, i hope this was before it was sold to arrows? have you a notice of assignment for when it was sold on? so intrum will vanish nov this year PRA oct cabot next feb nice clean file then. dx

Thanks dx. The vanquis one is listed as being Arrow (though I only hear from capquest or resolvecall) and for some reason is only listed as default date 2021 which is strange as I’ve not paid it since ‘19 Others are Feb 18 Cabot , Oct ‘17 pra grp, intrum Nov ‘17

I sent the statue barred letter to Capquest and their reply to it was to contact Resolvecall as it's now managed by them so should I sent another copy to Resolvecall

Hi All, wondering if anyone can help with my situation. Had a card left through the letterbox yesterday from resolvecall saying they tried to visit me regarding my account. called them and asked what the account is referring to, they said a loan with MBNA taken out in 2007 with the last payment being received in October 2009. The loan has since been sold to Arrow global and instructed resolvecall to try and collect. I was silly when I turned 18 credit cards Loans etc and defaulted on a lot of my accounts. Paid some companies back, had a CCJ against me which is also cleared but I’m finally this last year improving my credit score and looking to get a mortgage in 6 months time. currently living with mother in law so I’m glad she wasn’t in when they knocked otherwise would be very embarrassing. On the phone I asked for the original agreement as I don’t recall the debt and they said they will contact arrow global to get this and send it in the post to me, they will also put the account on hold in the meantime. is there anything I can do from here? I thought after 6 years they cannot chase payments. I’ve checked credit file and there’s nothing showing on there for this debt. many help would be greatly appreciated. thanks

capquest are still part of the arrows group.....?? or is this resolvecall wanting to collect her doorstep.. .or even dryden fairfax their own internal solicitors...next letter will be a latter of claim that you do not ignore (shame you sent that silly prove it letter..that died 10yrs ago) i expect they've not sold the debt as you've not received a notice of assignment. so its gone nowhere nothing needs doing.. as for the DN, they dont have to physically send it , just prove one was sent. but that doesnt mean you start paying again...

sadly as with your other thread, this comes from running away from debt and not keeping debt owners updated with your details. i will suspect capquest are resolve calls client as with the last thread? no need to gather data no. but i will guess paperwork has gone elsewhere as their client doesnt have your correct and current address? if you know you've not paid or used this supply in 6yrs then as before fire off our sb letter to the debt owner. i was reading on another source the otherday that this latest run of capquest sending out resolvecall doorsteppers on statute barred debts has proved very fruitful..earning capquest some £3m in payments on debts people dont even legally owe, but they think a doorstepping dca is some kind of a bailiff . ...mugs... the doorstepper gets 17% of any free money collected to his pocket.... people are mugs!! or run straight to the phone and get lied too setting up payment plans dx

you'll be even more ashamed if one of your old debts became a backdoor CCJ because you didnt update the owner of your correct & current address, they'd get a backdoor CCJ by default then the 1st you'd know is REAL BAILIFFS at your door...not a fake resolvecall doorstepper..which appears an imminent probability!! .WAKE UP! send the sb letter it doesnt matter what you remember or not, its not been paid or used in +6yrs ...end of the matter.

https://www.consumeractiongroup.co.uk/search/?q=Resolvecall&quick=1

I have been on here many times and have always got great advice, so here I am again. I was with Payplan since 2006 and with my debts appearing to get bigger with them, and my ill health, I decided to leave them. Several of the creditors wrote off my debts, which was a relief, but after a year or so of peace, I have had a couple of characters calling at my door from Resolvecall my sister told them to get off our property and don't come back. I have phoned the police as I work in a government agency with a high security level. I rang the police who rang back to tell me Resolvecall are a legitimate company and can call at your door twice in the last couple of days. I said they rang the bell and then started banging on my glass door,, police just said that I should phone Resolvecall, and ended the call. I am very frightened of these callers as there is one of me and two of them. I have no knowledge of any debt owed and they will not give me any information but want me to ring someone on their mobile. I contacted Payplan and they have no record of any debt with the reference number Resolvecall gave me. I have nowhere to turn and even the police are not interested and said it wasn't a police matter.

Good Afternoon everyone. As the title says, My wife was struggling with a credit card with Lloyds which she contacted them and they started the process of stopping the card and put the account into default. recently she got a letter from Wescot saying that the debt is now being managed by them. She recently has just started a new job and got her first wage. spookly, acouple of days after, wescot have texted her saying please get in contact so we can review your account. she is scared that they have seen money come in and she worry's about anything and I have told her to ignore the text but just wanted to make sure. We are not even sure how Wescot have her mobile phone number Thanks Guys

I had a letter last week from Global Arrow about a debt that I am not even sure that I owe. Today I received a letter from Resolve Call claiming to be acting on behalf of Global Arrow and threatening a doorstep visit. I am confused, who do I reply to, Resolve Call or Global Arrow? The thought of a doorstep visit terrifies me and I am concerned for my son who could be here when they visit. Are there any template letters available? Any advice would be much appreciated.

Thank you HB Just an update and wondering when to ignore or update creditors and is it time to set up pro rata. No payments have been made to any debt for around a year now and all have defaulted except Starling. Do we need to keep OC and sold on owners informed that we have a deficit and payment plans with council tax and ground rent until April 2024 and little chance of health improving. Worried they may assume we have money and are refusing to pay rather than cannot pay and then they do a letter of claim, is it important to have kept creditors/debt owners updated, especially as we have no pro rata set up for any and especially if ever it got to court. If an OC knows we have hardship troubles and then sells the debt on, do I re- inform the new owner of hardship or ignore them. Not sure with data protection if they pass the info on or not and therefore it helps them to be updated. So far I’ve just ignored most, though I think some know but not all know. The reason I ask is Oakbrook (likely loans) sold it to ACI. ACI have written saying they have a note that we are in financial difficulty. Should `I confirm this with them or do a CCA, haven’t paid for 18 months so can a CCA wait. I want to try and avoid court claims where possible and not sure but I’ve read there’s a time to ignore and be radio silent and a time to keep them updated so they know what’s going on. Writing an update to them acknowledges it and resets the statue barred clock though, is that correct, as does making a payment. I’ve read up and see that after default I should set up payment plans. Nothing has been paid in about a year. In post no23 you said to wait and see where they go, no rush, I’m just checking if it’s time yet to set up a pro rata plan. This keeps happening how is it handled please: we wrote and changed all addresses from when we moved but some creditors agents and debt owners are using the wrong address, should I let them know in case they issue a letter of claim, or is it their fault if they use the wrong address once informed in writing of the correct address, they’re getting the flat number and house number wrong and post code. The original creditors did or have used the correct address so it’s the new owners or debt agents that are getting it wrong. My Scottish debts living in Scotland: Monzo Overdraft, flex and loan; Capital one credit card …haven’t heard anything since default. I don’t think Monzo sent a default notice for at least one, unless it’s on the app but they’ve closed it down so I can’t see any info anymore. Should I offer a pro rata yet and is it right we wouldn’t get a letter of claim but a sheriff delivering papers, would we get any pre warning. Fluid credit card have got resolvecall involved, RC are using the wrong address. Should I tell them or leave it. Fluid have it correct. Wife’s English debts living in Scotland: Clydesdale Virgin know we have a problem with deficit and health, they asked for a letter from GP and IE form be filled in. She doesn’t want to do a GP letter but could easily get one. Should we keep them updated, will it help for when they sell it. She won’t be able to pay anytime soon. Nationwide and Tesco are now with Opus and Moorcroft but not sold yet. Should we do a pro rata plan yet or keep them updated. Starling overdraft have still not defaulted and adding interest each month. They know the situation but seem to have forgotten and it’s like it’s all gone back to the beginning of collection again, which makes me wonder if they keep any info they were told or not. The two Aqua, you have already said are unenforceable, Cabot are writing asking about the situation, Cabot gave it to Orbit to manage who got the wrong address and now today Cabot have written with the correct address saying they are taking it back over again and want me to do a payment plan. Should I ignore or update them on the situation, to hopefully stop them doing a court claim. I know you said to ignore Link until letter of claim but wondered if same applied to Cabot and wondered why are they taking it over again. I think I’m struggling to work out when to keep them updated and when to ignore, because getting lots of phone calls (we don’t answer) but happy to write if it helps them to know for sure it’s a waste of time trying to take us to court, also happy to ignore but if it comes to court in time, want to have done everything correct from keeping them updated on the situation if necessary and to setting up pro rata, rather than them say to a judge we’ve ignored it, just I’m getting lost off with who knows what but it’s written down and screenshot somewhere apart form the apps, I lost all that info I had so what I’m saying is if they’ve been told once is that enough even when sold on and do I need proof or does it even matter. Several had refused £1 a month because of the deficit. I’ve read you should pay OC and enforceable £1 as way as good faith. I haven’t done this in the last year and not sure if it’s time I should. Most were ok at taking no payment for a year but now the year is up do I contact them and when they contact me do I reply and update them. Thank you Stuckfast

Over the past few weeks, I have had the wonderful people from “Resolvecrawl” sorry I mean “Resolvecall” write to me over a very old credit card debt from 2004 and I am fully aware is long Statue Barred! Certainly, no payment or any acknowledgment has been made since 2004! one of those lovely computer-generated letters from them stated that a representative of theirs would visit my property to discuss the debt if I did not contact them within 14 days. I waited for the visit and unfortunately I was not at home when a hand delivered card was put through my letter box asking me to contact them. I was rather annoyed that I was not home at the time to confront the representative! I am certainty not surprised either that they sent a representative of theirs during this pandemic!! We all aware of how scrupulous and vindictive these DSA’s are, pandemic or no pandemic! The world could have a week to exist and they would still try it on! going off track, what would be the best course of action be? The original lender, buyer of the debt and any DCA’s had the chance of their day in court and if they choose to sleep on their legal rights for 6 years then this is their fault! So, should I just sit on it and do nothing with Resolvecall? Or Contact them and inform them of my rights and that this debt is Statue Barred? Any advice would be appreciated.

latest email below Reconnection Home Visit ACI Customer Reference: Balance Outstanding: Original Creditor: djs (uk) limited (trading as piggybank) Original Loan Reference(s): Dear The deadline for us to agree to an amicable repayment arrangement is fast approaching. We are looking to instruct Resolvecall Limited to conduct an assessment. This will result in them conducting a reconnection visit at your home address. This will incur a fee, of which will be added to your balance and become repayable by you. This is a serious matter that requires your immediate attention. If Resolvecall are unsuccessful in reconnecting you to us, we may consider escalating your case for litigation. This would involve a firm of Solicitors being instructed to issue proceedings against you in the County Court to obtain a County Court Judgment (CCJ). Our opening hours are Monday to Thursday 8:30am to 6:00pm and Friday 8:30am to 5:30pm. We look forward to hearing from you. Yours sincerely, ACI

Hi there My apologies if this is repetitive but I hope you can help as I am besides myself with worry. Like many others on this forum, I too am being chased for a student loan taken out approximately in 1994 or 1995. I became mentally ill whereby I was hospitalised so did not complete my 2 yr study. Approximately last couple of years, 2 or 3 'nice' letters from CQ began to arrive offering me a reduced settlement rate, I followed advice received from CB and ignored them as the debt was not on my Credit Report. I received a letter on 16/12 stating that CQ will be referring my details to ResolveCall for them to visit my property. Today, ResolveCall have written to me to confirm their intentions to attend my home within 7 days. - This has left me in a panic mode as I currently have a complex MH issue as well as a severe disability. I am still my MH medication and housebound. Since 1995 I have moved twice . I was again hospitalised in 1997 and unfortunately left me with a life long physical disability. I have been at my present property for over 20 years. I have always been registered on the electoral register. I don't remember ever making a payment or directly contacting the SLC or being notified of any proceedings from SLC regarding the loan - my carer back then was handling my financial details so would assume they would have been contacted and notified them of my illness as I also had other debts (even with CQ) that were successfully managed and paid off. I am not sure what to do now as although your site has a wealth of information, I cannot find anything that relates to my situation . I am confused as to whether the loan is SB considering that it is almost over 25 years old. Many thanks in advance for all you help MB

I today received a letter from Resolvecall on behalf of Arrow Global. They head it Arrow Global Reconection. It says I owe a large sum to Lloyds Tsb and they want me to contact them. However none of the references numbers are ones I recognise and the amount doesnt equate to anything I owe. I did have a small loan that I owed Lloyds but though this was paid and a more than ten year old credit card debt that is Statute Barred. How do I respond?

Just wanted some advice. I have had Cabot writing to me for the last couple of years chasing an old debt which they allege is a co-OP loan. I have ignored them, as well as the previous companies for 10 years. It will be statue barred. They recently changed tactics. They first wrote a letter saying thankyou for the recent payment, then letters saying why have you stopped paying. Then they have instructed resolvecall to visit my home. I have made no payment to them. I have an account with cabot for another debt which I have been paying for 5 years , but never have had any statements from them. I wrote to them when I moved about the change of address but was specific under gdpr that the address was for that account only. They appear to have applied to this other alleged account which they have been writing for. What should I do as it is already stressing me out and I have spent the last 10 years first getting over depression and rebuilding my life! Don't want to go back there again!

So yep I was probably stupid not launching the court action back when told, as time went on it was out of my mind. That aside, I recently got told by arrow that they are using resolvecall and then resolvecall sent at letter saying if I don’t reply in 7 days someone will come round to try to collect the debt, this is the first contact since they received my letter February 2021 stating that the debt was barred even though payments were made. I am wondering if they are just trying it now? It’s been over 1.5 years since my last contact and if they could legally enforce they would have by now, surely.

I thought to update my thread in case someone else is experiencing the same. Cabot have come alive again, I have not responded to any letters or calls since cabot sent through an Application declaration claiming its CCA. Cabot have now written to me saying they are instructing Resolvecall to visit my home and get me to talk. Should I ignore Resolvecall? I gather from other posts on here that thats the best thing to do. Are Resolvecall able to send me a "letter of claim" and if so should I CCA them before they do. My initial thought is if Cabot are failing to enforce the debt by sending a letter of claim it could mean, as rightly pointed out on this site that they know the CCA they provided doesn't hold water.

Hi everyone ive had a card in an envelope hand delivered today from Resolvecall asking me to contact them urgently. i want to ignore it but I’m not sure that’s the best thing to do? i had some issues some years ago which have now all been resolved to my knowledge. Anything that I may have overlooked will be way over 6 years, I now have a very healthy credit rating with nothing on any of my credit files. I have no idea what these people want and this is the 1st contact. can someone point me in the direction? thanks mike