Hi In 2007 i had a secured loan with Welcome, i got into financial difficulty and stop paying, (house was in negative equity and still is) They chased but as i couldn't afford to repay and they couldn't force me to sell they sort of frittered away for a few years whilst they were in financial trouble. I have now discovered that the 2nd charge on my property has been lifted and on my credit file it says 'settled' There is now a company called MKDP LLP who own the loan which i have found out only be looking at my credit file. what do i do? i think i do nothing! the loan isn't secured anymore, and they would have paid next to nothing for it? Your thoughts please! Hi, similar situation here! http://www.consumeractiongroup.co.uk/forum/showthread.php?414653-Welcome-secured-loan-sold-on welcome sold debt to MKDP LLP ( google them) not heard anything from either, My question to you is. .is the debt a secured debt? Six years is unsecured but 12 for secured( someone correct if I'm wrong) I think welcome sold off debts when they got in trouble to people like MKDP , I'm keeping my ead down!

I got into a massive pickle with debt between 2005 and 2010. This was loans, overdrafts and payday loans. I have since had refunds from some of the payday loan companies and now have good credit rating. I have credit card and a loan which I am up to date with and am hoping to get a mortgage in 2-3 years but an old debt has come to bite me in the bum and I would like some advice. I had a CCJ relating to a student overdraft in around 2008. I buried my head in the sand and moved a lot and never paid it (I know it was wrong) and it has now dropped off my credit file. I had a couple of letters from Robinson Way for a debt which I assumed was statute barred but thinking about it could be the old CCJ. I moved house a couple of months ago and these went to my old address. I know the tenant that moved into my old address and have been told that some credit agency came looking for me. They didn't leave a letter or say who they were from but I did get one from ResolveCall acting for Robinson Way threatening this (I only saw this a couple of days ago as I collected some post) so I assume it was them. I was wondering if anyone could advise me on whether or not old CCJs are enforceable. If this was the original creditor I would be happy to come to an arrangement. However I am loath to pay these bottom-feeders if I don't have to. Obviously it is deeply unfair of me to just leave it as I don;t want them harassing the new tenant or the landlord so leaving it is not an option and I will pay them rather than subject them to DCAs calling. I would be very grateful if anyone could tell me if very old CCJs are enforceable and point me in the direction of template letters. I will communicate with them via email as they can't claim not to have received things should this go any further. As I said above, I have worked hard to repair my credit rating and would hate this to destroy it again so if my only option is to pay I will.

Just a quick update National collections office have today offered on behalf of capquestc a 50% discount on the £940 balance owed This is time limited until 10th October obviously they have no signed credit agreement or they wouldn't be offering a 50% discount Is it safe to say another one out of the milking parlour

Early this morning a man called at my house from ResolveCall asking for my husband. I answered the door, he'd woken me up, when he asked for husband I said "no sorry" and closed the door. He went back to his car only to get out again and knock on at least 2 of my neighbours doors. Due to the early hour no-one answered. The question is what do I do about this visit? Many thanks for any and all assistance. LT

Sent letters as you previously advised back in May last year. I'll send another. Resolvecall visit, thanks. Seemed pointless.

you need to be writing to each simply informing them of your correct and current address never run from debt. as for the resolvecall visit well done. dx

Hello dx100uk, All fine here under the current economic circumstances. Definitely more secure financially by selling and getting a cheaper property. We were only able to do that by managing, with the advice from CAG, the restriction K's. I think if we haven't of sold and moved, we would have gone under by now given what has happened in relation to inflation and interest rates. We carried on paying the two creditors that we had already made a payment arrangement with, although that is under review given the inflation impact on our finances. Nothing heard from any of the creditors except one who has been issuing lots of letters to our new address, making telephone calls, and sending text messages. We have ignored all of it. They have sent Resolvecall to do a home visit. I answered the door and politely told their agent to leave, which he did after leaving a card, with a reference number asking me to call them. I haven't called and we are now getting text messages from them marked URGENT. Is it written off? If it were all written off, excluding the two we pay it would be circa £35K, which includes charges, interest, legal and court fees. That's the CCJ amounts. Sorry make that £51.7K in total. Here's an update on the 7 CCJ's / 5 restriction K's £3K HSBC with final charging order (credit card) STILL PAYING A SMALL MONTHLY AMOUNT. RECEIVED LETTERS AND A STATMENT TO MY OLD ADDRESS, REDIRECTED BY ROYAL MAIL. NO OTHER ACTIVITY. £4.8K Northern Rock with final charging order (personal loan) JUST AN ANNUAL STATEMENT TO MY OLD ADDRESS REDIRECTED BY ROYAL MAIL. NO OTHER ACTIVITY. £11.6K MBNA with final charging order (credit card) STILL PAYING A SMALL MONTHLY AMOUNT. OCASSIONAL LETTERS. £12K MBNA with final charging order (credit card). STILL WRITING (ANNUAL LETTER) TO MY OLD ADDRESS (REDIRECTED BY ROYAL MAIL) AND REFERENCING THE FINAL CHARGING ORDER. £9.5K HBOS with final charging order (credit card) REGULAR LETTERS, CALLS AND TEXT MESSAGES. SENT A DCA TO DO A HOME VISIT, WHO I TOLD TO LEAVE. STILL SENDING TEXT MESSAGES. £3.2K HBOS no charging order(bank overdraft) NOTHING HEARD. £7.6K Yorkshire Bank no charging order (credit card) REGULAR LETTERS VARYING FROM 1 A MONTH TO 1 EVERY 3 MONTHS TO NEW ADDRESS. Having reread the whole thread I guess I still do nothing and see what action/follow up is taken if any. Is that correct, especially in relation to #5?

Today I had a man at my door chasing a debt, the date of birth he had was incorrect, so because of that he gave me a number to call and after a call to them I found that all the other details were correct such as email address etc. The year was incorrect on the debt. Apparently I owe Great Universal Catalogue over £300 which I think is rediculous considering they no longer exist. ResolveCall had the debt passed to them by someone else but they wouldn't say who. Is it right they are chasing me for this debt that I have no knowledge about after 21 years?! I dont even live in the same city. I cannot for the life of me think why I would've used GUS back in 2001 at 19 years old.

I had a Resolvecall bod turn up , it was laughable. Chasing a debt that went statute barred in 2020. I told them how old the debt was and she seemed really embarassed, and apologised and said I'd be taken off the list

no debt managers were sold/bought the debt from GMAC Finance resolvecall are merely operating for their stated client DM. intrum bought their debt portfolio Intrum signs agreement to acquire Debt Managers portfolio from the Secure Trust Bank group | Intrum WWW.INTRUM.CO.UK Credit management group Intrum UK has agreed to purchase the entire loan portfolio (the ‘Portfolio’) currently owned by Debt Managers (Services) Ltd... the debt is nowhere near statute barring, they are quite entitled to ask for payment you are equally entitled to ignore them until/unless you ever get a letter of claim. not moved have you?

It's now Intrum. They have taken control from Debt Mamgement services who took control from resolvecall lol. I'll scan the letter. Please bare with as I normally get told off for not uploading files correctly lol.

so i will suspect this is resolvecall for their client CAbot as they are trying to sCAM people out of money on lots of statute barred debts here recently. you do realise a DCA has ZERO legal powers and ARE NOT BAILIFFS don't you> you cat has more powers than they do. dx

Back in January 2017 I switched banks. Everything seemed to transfer over with no issue until July 2017 when I received a letter from Kwik Fit Insurance Services saying I owed them £107 for a home contents insurance policy. On checking my direct debit list I discovered that no payment had been taken for the direct debit. I had two direct debits with Kwik Fit insurance at the time, one for car insurance the other for contents. I rang the bank who confirmed that Kwik Fit had never applied for the payments to be withdrawn from my account. I sent a recorded delivery letter to Kwik fit and followed up with another letter (again sent recorded delivery) three weeks later after I had heard nothing from them. A month after my second letter I received a letter from Resolvecall to recover the debt on behalf of Kwik fit. I telephoned Resolvecall and explained the situation and asked them to look into the matter. The girl I spoke to said she would and would email me within 14 days. I heard absolutely nothing and (stupidly) assumed it was the end on the matter. Four weeks ago I received a letter from Arc Europe who have now bought this debt and now a letter from Major Law with fees added. They are now asking for £130. Can anyone suggest how I should handle this? I am not denying that this money should have been paid, albeit by monthly direct debit, but I tried to communicate on several occasions first with Kwik Fit and then Resolvecall only to have my requests ignored. I can't take the chance that this could go to court as my job relies on me having no CCJs on my credit file. If I have to pay the money I will (though I wouldn't be able to pay all at once) but I don't think I should have to pay costs. Would it be worth sending a letter to my bank under the bank account switch guarantee? I'd appreciate any advice. Thanks so much in advance.

I’ve been burying my head in the sand for too long now and time to get a hold of my life so here goes.. Bought a motorbike on finance in late 2007 with Black Horse made a few payments on the bike and then fell on hard times, split with partner and moved out. Fast forward to late 2010 and a CCJ lands which I ignore (stupidly) and just leave unattended for £8000. I’ve pulled all the paperwork out and have just noticed my finance agreement doesn’t even have a VIN number or registration number present. This is possibly by the by anyway but I need to start addressing my mess I’m in. I’ve now received a letter from Cabot Financial demanding the full sum of near £7500. I’ve never acknowledged the debt as described above and wonder where do I start with this now ? I still have the bike in my possession and is in amazing condition as it hasn’t turned a wheel for years. Where do I start with addressing this debt and starting to make progress Im now worried and getting anxious about this. Any help would be gratefully received.

We recently had a couple of nasty financial hits involving losing our best customer and Universal Credit shafting us, I contacted all our credit cards and explained the problem, all but Aqua where very understanding, Aqua sent the problem immediately to Resolvecall, who threatened a home visit, so I sent them an email with the standard letter as below, but despite using THEIR ref number they insisted that I told them who I was.. I told them politely to bog off and that any calls to the door and I would prosecute for trespass (see email details below). They emailed me back asking me to confirm my details and I again politely told them to bog off and I don't have to confirm anything to them and NOT to attend as per previous emails. Today they dropped a card into my downstairs neighbours door, so not even using the correct address, so I called them and I must admit did not let the guy speak very much and warned him that any other visits would be repulsed using necessary force. I do now wish to prosecute them for trespass, I do know a solicitor, I fix her computer but she is a employment specialist. Does anyone have any suggestions as to where to go, because I do not want this bully company to just start visiting people DAYS after asking for the creditor for help. I DO intend to sue this company and also make it as public as possible, so that these people cannot think they can walk over us. Gary The First Email (C&P / slightly modified from CAG) Dear Resolvecall Your Ref xxx I do not acknowledge any debt to your company. Please be advised that I will only communicate with you in writing. Should it be your intention to arrange any “doorstep calls”, please be advised that under Office of Fair Trading (OFT) rules, you can only visit me at my home if you make an appointment . I have no wish to make an appointment with you. There is only an implied license under English Common Law for people to be able to visit me on my property without express permission; the postman and people asking for directions etc (Armstrong v. Sheppard and Short Ltd [1959] 2 Q.B. per Lord Evershed M.R.). Therefore take note that I revoke license under Common Law for you, or your representatives to visit me at my property and if you do so, then you will be liable to damages for a tort of trespass and action will be taken, including but not limited to, police attendance. Yours faithfully, Sorry second email back to them I don't have to confirm anything, your reference is in the subject, just look it up in your database. Please note any phone calls or texts will be reported to the ICO as I do not wish to communicate with you any way but postal. Any attendance to our home WILL result in prosecution as you will be trespassing

Not listed on 192 and the original agreement pre-dates this phone number. They're all dodgy! Didn't know you can get phone number from credit report - thanks. SB letters sent earlier this week, 2nd class with proof of postage I sent one letter for each debt to Capquest, and for good measure, sent a copy of each to Resolvecall for their respective involvement in aforementioned debts, where necessary. With copies of respective original junk mail stapled to the letters. That way, even the simplest of DCA minds should have no excuse but to get the picture. Resolvecall coming to my house and knocking and banging aggressively like movie cops with a search warrant, was not appreciated.

Hi, ive just had an email back from resolvecall, they are no longer dealing with the account! Their client…. Arrow global ltd has requested the account be returned to them! Still no idea who the alleged original debt is from. Is it likely Arrow will try elsewhere ?! Having checked all credit agencies, I have no defaults at all.

Had a reply from Capquest saying that the debt is being managed by Resolvecall and to contact them. Should I send the statue barred letter to them?

Resolvecall. Only a card with a reference number. Nothing else at all. no letters sent saying someone would call at house.

Evening good people. it looks like my SB letter has had no effect. I have just arrived home from work to an envelope marked Private & Confidential and inside it a card from resolvecall for my URGENT attention saying they have called today at 1pm and for me to contact their head office. What is the next stage here because the SB letter I have sent clearly hasn't had any effect

no thats the resolvecall card. you know what to do if they turn up ignore move on.

My wife received a letter today from lantern saying they have been trying to contact her. It says she owes £722.91 but doesn't say who to, it simply has an account number. She has no idea who the debt is with and nothing is on her credit file. They are saying unless she pays up in 7 days they are referring her to resolvecall. How should we deal with this?

I have not paid anything in the last six years and I do not have any paperwork regarding this. I moved house about 9 years ago so if I had paperwork it has either been lost or trashed. There is an account number on the letter from resolvecall that I received today though but it is not the same as my account number with Santander now

I have today received a letter from resolvecall giving me 7 days to get in touch with them and if I don't then they will arrange to visit me at my home (in line with covid restrictions). I am thinking I might ring Santander and ask them if I do actually owe this money. Looking back through that old thread of mine on here, this has been going on for over 20 years It is not going away. Or would it be worth me going to CAB and asking them to look into it? Calling at my house is not going to end well I'm thinking if I phoned Santander and asked them to look into it and tell me yes or no this is my debt. If it is my debt then do I arrange to pay it through Santander or the dca? I know what you're saying about dca's being **** (and I wouldn't argue with that right now) but this just all feels very horrible and stressful Actually, reading @dx100uk signature I will not pay these people even if I DO owe the money. That said, if I do owe this money how would I go about paying it? DCA's view debtors as suckers, marks and mugs NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type and they are NOT and can NEVER be BAILIFFS. even if a debt has been to court.. If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight.

No DCA are NOT BAILIFFS and have ZERO legal powers on ANY debt - no matter what its type. if resolvecall do appear at your door film them on your phone DO NOT ENGAGE tell them to leave your property and never return else you'll call police 101