Thanks for re-opening. Please see attached from Resolvecall this morning. I take it we again ignore - wait for their door stop knocker to arrive, tell them to go away and wait for their next move. This has been going on 11-12 years now, think Resolvecall were used 8 years ago? resolve26feb22.pdf

Hi folks, hope someone can give me some advice please. I missed a month's direct debit for my electricity supply from edf; they cancelled the direct debit and gradually I fell behind. I used their online chat application and 'spoke' to an operative - I said that as I'm paid weekly I'd be able to repay the outstanding amount at £25 per week, ie £100 every four weeks. The lady said I had to pay by direct debit, £100 a month I said I'd rather pay weekly and she said that she would note that on my account. I set up a standing order and have paid £25 every Friday for the last probably 4 months. The outstanding was about £400-ish, sorry I can't remember exactly. I started getting letters from edf saying I had this outstanding balance that needed to be paid off, then would come home from work to notes through the door from debt collectors saying they'd tried to gain access. This morning I had a letter through the post from Resolvecall saying that they are applying for a warrant to come into my home and fit a prepayment meter and the hearing is on 12 October at my local court house. The amount they say is outstanding is £431.41 I read the meter and sent it to edf last week to see where I was the bill was in the region of £600. Resolvecall letter is dated 25 September and I read the meter before that so their info is out of date. I'm paying this as quick as I can and now I'm worried sick. What should I do please? Thanks in advance

Hi Been recieving texts & emails regarding an old piggybank payday loan debt, latest one threatening resolvecall agents visiting address. IS 1st step to request CCA?

Hi, I have been receiving letters from Cabot regarding an old Mint credit card debt which I defaulted on in 2010, I made payments on this to Oct 2013 through a DMP with CCCS/Stepchange but unfortunately was made redundant and was unable to continue with my DMP. I am not sure at what stage Cabot got involved but I have not had any contact with the directly, their letters have included various discount options for payment. Today I received a letter from them saying as they have been unable to contact me they are instructing ResolveCall to visit to put me back in contact with them and I am worried about this person calling. Any advice on how to proceed would be appreciated.

https://www.dropbox.com/s/36y9q4kv92espkx/aci.jpg?dl=0 Rec'd this letter yesterday poor picture bit basicall saying that resolvecall will be in touch ...?

Hi there, Hi, I'm hoping someone can help me. I took out student loans between 1997 and 2001 when I was doing my degree. I deferred it for a few years as never earned enough to have to pay it back, the last time being around 2005. I heard nothing about this 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 still didn't earn enough to be eligible to repay. Three weeks ago I received a letter from Capquest stating if I don't make contact by 26th January they will instruct Resolvecall Ltd to visit my home. I'm not sure if I have ever replied to Capquest about the debt (at all) but if I did, it would have been over 12 years ago as I've moved a bit since then. I wasn't sure if it was statute barred due to the age but I've followed the advice on a very helpful post on this site and realised that it is statute barred so I've followed the advice there. I've sent the Statute Barred Letter recommended in that post to Capquest, along with a copy of the letter they sent me early last week and have not heard back from them. Instead, today I received a letter from Resolvecall saying that someone will visit my home in the next 60 days. What would you suggest I do to resolve this? Should I send the same statute barred letter to resolve call? Shall I resend it to Capquest recorded delivery? I am looking after my elderly father at the moment and I don't want him to have to answer the door to these people as it would panic him. Thanks Ad

Sent CCA off today tracked. We had 3 calls on our home phone from Resolvecall today and wanted to ask if anyone knows how they got our number as we mainly use mobiles and very few people even have our number. I cannot believe they are allowed to trade as this is not right.

urm interesting... i hope none of your debt is being paid to a DCA? interesting they wrote aug 2019 offering a 25% settlement...worthy of note going fwd. forget stupid quotes/use of this fake 'maturity date' issue, it's not debatable, and is set in stone, but often used as a bargaining chip by eurdio because they know the mug has no idea. it is MOST CERTAINLY NOT!! dictated in relation to defering or not! consulting with any 'manager' at eurdio is a commom LIE!! a telephone conv is NOT admittance!! p60 and statements are another read herring used to coherse mugs into agreeing a payment plan. again, as i indicated earlier, there was nothing to stop you defering again once threshold was not exceeded, shame they used the 'rollback' scam to gain payment. lucky you physically made no payment? NOSIA are simply a legal requirement they must send if they consider themselves the creditor. noted this was not for all 4 loans only 2 of 4 in this claim. capquest/drydens and even Erudio are simply members of the Arrows Goup of companies, the real name for the parent company that did the gov't deal in late 2013 regarding all remaining unsold mortgage style SLC loans not already sold on. resolvecall are simply a DCA doorstepper company that other DCA's use to scam payments by threatening and sometimes actually attending addresses chasing debt. as like ANY DCA. they ARE NOT BAILIFFS and have ZERO legal powers on ANY DEBT, no matter WHAT it's type. ................ let things run. pull my chain near defence filing date if nothing more pops up. dx

Hi, I won't file anything until the advice here is that it is good to go. I do have other debt, but thankfully I am managing this far better! Happy to clarify some detail. Graduated in 2001, deferred with SLC and when this was sold to Erudio, I continued to defer using Erudio forms. In Aug 2019 Erudio wrote to me with a settlement offer, asking for a single payment of £3425 instead of the £12337 owed. I had no means to take up this offer. This letter told me that the maturity date of my loans was May 2025, my age-related cancellation date was Aug 2025. The letter told me that "every time you defer, your maturity date is delayed by a period equal to your deferment date". (I later queried my dates in the call with Erudio in May 2020, and I was given wildly different dates, many, many years later) In Feb 2020, I took on more hours at work which put me just over the threshold to make repayments. My deferment period was to end in June 2020, so no payments were requested within this period. In late May/early June 2020 (I do not have the exact date), I had the conversation with Erudio as described in my first previous post (month corrected here). I explained my situation, that the hours were a temporary increase until Nov 2020. I was told, following the Erudio worker consulting with a manager, I would have to begin to make repayments as my telephone conversation counted as a disclosure. Frustratingly, they told me that had I sent in my P.60 from year 2019 - 2020 they would have accepted this, but I note their guidance stated that if the P.60 was more than a month old, wage slips had to be provided, hence me just not doing this. I cried (!) and told them I could not afford the £206.52 they were asking for a month, and they suggested that I make half payments, beginning end June 2020 of £103 per month, accrue arrears for the remainder. I was told I could accrue 3 months max of arrears and then could in Nov apply for "roll back process" to defer again and claim the money I had paid back. I was told I would lose contractual rights if I had anything over 4 months of arrears, I would not be entitled to age-related write off. Feeling pressured, with no other option, I set up the direct debit for the £103.26 with them. Nothing came in writing to confirm what I had agreed. I came on CAG and thought I understood that as Eurdio were a DCA, they could not enforce anything. My husband was about to lose his job because of COVID I stopped the first payment before it was taken. I cancelled the direct debits to Erudio. By end July, I was being chased for the arrears. I now note that I have two Notice of Sums in Arrears from July 2020 relating to two loans (no idea why I don't have 4 Notices, as I had 4 loans, maybe I chucked them?) stating the arrears were £110.04 and £111.56. Either way, this is more than the original repayment they were actually asking for. Chasing the debt was a task was later passed to Capquest, Resolvecall and then Drydens. I merrily buried my head in the sand after that. Meanwhile, my temporary hours were extended time and time again (with no real certainty and confirmation at very short notice, sometimes leading to incorrect pay). My full-time hours are now permanent, I earn over the repayment threshold however, as many families who suffered financially due to COVID we are playing catch up and there is no spare cash at the end of the month. To confirm, I have not paid a penny in repayments. Nor have I made any contact with Erudio since May/June 2020. Does this help fill in some gaps? Do I have anything to cling to? RC710

I have a old credit card debt was with goldfish from August 2000 for 7k, Cabot brought this assigned to them November 2008, I did try doing the honest thing an made some monthly payments the balance is now 6607, they tried applying pressure to put the payments up which then got returned unpaid from my bank since I've avoided them, about 3 1/2 years, I received a letter from Resolvecall asking for my information an just had a card put throu the letterbox hand delivered requesting I urgently contact them. I don't have the funds to pay them, I live in rented accommodation, I'm actually behind n a payment plan with hmrc, the pressure is building up an I'd really like to put this debt behind me. Please can anyone explain the correct procedure I should take. Many thanks David

Hello. I wonder if anyone can offer some advice? I took out 4 student loans between 1997 and 2000. They were sold to Erudio to manage in 2013 I believe. I have never paid anything back and deferred every year prior to April 2020 due to working part time, earning under the threshold. In Feb 2020 I took on additional hours at work on a temporary basis to cover maternity leave. I called Erudio to discuss this temporary arrangement and my phone call counted as a “disclosure”. I subsequently defaulted because my husband had lost his job due to COVID and I could not make the repayments. I have made no further contact with Erudio since this call in around April 2020. I have since remained working full time, earning above the threshold but our financial situation has not improved. Erudio have since used Resolvecall to try to recover the money from me. Once they called at my house but, thankfully, I was not in. They are now using Drydens and I have received a County Court Claim form for the full amount outstanding, plus court fees and legal representative's costs. Under particulars of claim I notice that the agreement numbers are missing. I have not checked that Erudio/Drydens have signed copies of the original agreements. Could they be bluffing? If they have them, am I liable for the full amount? I have been through the County Court claim process years ago in relation to a matter for my husband. I will need to refresh my memory but would be grateful for some support from CAG Thank you RC710

resolvecall are as you know a powerless dca. if they ever do appear, film them, tell them to leave your property and not to return or you will call police 101 do not engage.

then send arrows our statute barred letter from the debt collection section of our library and be done with it! attach a copy of the resolvecall letter so they know what you are going on about. forget about resolvecall at your door there is NOTHING they can do they are NOT BAILIFFS tell them to..... else you'll call police 101. dx

Thank you so much for the help. My concern is if it is the debt where the court order was issued but not enforced is it true there is no time limit on that ie six year statue barred doent count, so I can be chased for life to repay it? That is quite worrying for me. If the Court order was given to MBNA call they "sell" it to Resolvecall or do Resolvecall have to go to court themselves to get their own court order?

Re reported post put your new pdf up here and ill swap them pdf now done for you. So.. You have already written to resolvecall stating/from your new address? If you have then that will protect you from any backdoor attempts arrows might have taken to scam a court into enforcement, they cant now. If if if resolvecall do turn up to collect your doorstep, do not engage film them on your phone, state foe them to leave your property and never to return else police101 time. They have zero legal powers as stated already. Job done. All sorted. Dx

Sorry typo its is resolvecall - letter attached. There is nothing on my credit file any more, its all good. The CCJ was never put on it just kept recording the credit card as not receiving payment. I have had nothing from MBNA since the court hearing, no chasing letter, nothing. Ltr from Resolvecall redacted.pdf

You dont mean resolvecall do you? the debt would need to have been sold on for resolvecall to get involved. who are their stated client? scan the letter to pdf please after reading upload carefully. is the ccj still showing on your credit file too please? Dx

ah coat...twill be resolvecall. powerless dca doorsteppers...as all dca's cannever be a bailiff and always have zero legal powers . dx dx

Hello, Just like some advice on what to do. I'm getting letters, calls and apparent visits from a company called Resolvecall for a debt that has been statute barred since August 2016. It is one of these debts that has been passed from company to company. Many thanks, M

std practice if you go self help and read a few cabot/resolvecall threads already here in this predominately self help forum. IF resolvecall do appear. film them on your phone. do not engage tell them to leave your property never to return else you'll call police 101. a dca is NOT A BAILIFF and never ever can be. dx

Hello All - I have just received another letter from Cabot Financial dated 14th August - They state that because they have been unable to contact me they are instructing a company called Resolvecall to visit my home. have seven days to get in touch with Cabot or I will receive a visit from Resolvecall. It's taken five days for the letter to arrive at my home. I thought this problem was over a couple of years ago. Would appreciate any advice - thanks

what do you mean it doesn't look like it? anyway its useless to them and you dont work, it was march today is august. so you've had their doorstep fleecers from resolvecall posting little love letters through your letterbox too ahh!!! powerless muppets. its all DCA can ever do, threat, wave arms , etc etc . no powers at all!! dx

It says that ‘failure to call Resolvecall within 7 days will lead to a personal visit being made by one of our representatives to your home’. ’To avoid the need for this action please call Resolvecall on 0141 212 8471’ I will ignore, and if they turn up film them & threaten with the police. H

I am now getting texts from Resolvecall. How would they even get my number? Capquest never had it as far as I'm aware. They've always just sent letters that I subsequently ignored... They've been blocked and reported as spam, but I am annoyed that they got my number somehow.

Hi, Had a letter today from arrow saying that they had passed the account to resolvecall cos I hadn't contacted them. I'm planning to send a CCA request to both arrow and resolvecall. We will see what transpires! copy of CCA request attached. H