Hi I've received an out of the blue letter from Intrum saying they've passed a historic debt to Resolvecall who will be visiting our property if we don't get in touch. I am certain this is statute barred and designed to scare us. Do we ignore it?

Hi all, Many moons ago (2012) I had a Virgin credit card (issued by MBNA) that defaulted. They did provide a valid CCA so I was advised by the good folks on CAG to make small payments to keep them quiet - I set up a standing order to pay them £5 a month, and it's been that way ever since. The debt has been sold on a million times, but £5 is nothing so I've paid no attention to it. I received a letter from Capquest (who must be the current owners of the debt) back in March asking me to contact them to discuss a suitable repayment option, and the account will now be managed by Resolvecall. Now £5 a month IS a suitable repayment option I ignored their letter. A few days/weeks later, I received a letter from Resolvecall, acting for Capquest wanting me to contact them and threatening a home visit if I ignored their letter. Obviously I DID ignore their letter, and last week a lady knocked on the door (unanswered) and put a card through asking me to contact Resolvecall. Interestingly, their letter said if I didn't reply within 7 days from the date of the letter, and...you guessed it, there was no date on the letter! Out of curiosity, I logged in to Resolvecall's account, and it shows my two most recent £5 payments, so they ARE receiving my money but clearly want more - which they're not getting. Now - do I play silly b*ggers with them, and ask them to provide the true copy of the CCA to see if they can come up with the goods? Do I just ignore them and carry on paying my £5? Do I stop paying altogether? I know the case isn't SB as I've been paying regularly, but not sure how to play going forward? Any suggestions gang? Thanks you!

I've just received a letter from Resolvecall threatening a visit etc. This debt has had no action on it in over 20 years. I've not acknowledged the debt either in writing or verbally; this is the first letter I've had in over 10 years. Do I need to be worried, is there something I should do? I understand the debt is statute-barred now. Thanks

Hi everyone, I've received a random text message from a company called Resolvecall asking if I am the person they named in the text and 'to stop a doorstep visit I must respond yes or no to the text'. No other information has been given but I've googled them and understand they are a debt collection agency. I do not owe anything, have a good credit rating and the only debt I can think of goes back to 2007/2008 when I had a truly awful life event and nervous breakdown. As far as I understood that debt was statute barred as over 6 years old and I have heard nothing for years about it. This is now causing me a lot of worry and I do not know what to do next. Is it best if I respond 'yes' and ask for more information? Should I contact a solicitor? I am not a homeowner and stay with friends so do not want any doorstep visits to trouble them at their home as threatened on the text. I've also just had a major bereavement so this couldn't have come at a worse time to have to deal with. Any advice would be very welcome as this has made me feel so ill and stressed. Thank you

Resolvecall attended our property this afternoon without prior notice. They wouldn't speak to my hubby as the debt is in my name. I wasn't available so they left a card. Regarding the statute barred letter, do I send it to Intrum and Resolvecall? I have no proof it is statute barred as I no longer have any paperwork. No idea if Intrum own the debt or they are debt collectors on behalf of Halifax.

Well after 13 years of no communication with any of my old creditors/ DMC's, today I had a call from Capquest about a Capital One debt!!! They said a CCJ was registered in 12/07. I didnt acknowledge anything, I merely obtained a reference and postal address. Section 2.4 of The Limitation Act states no action can be taken after 6 years. Am I correct and what's the best letter to send them? Thanks

Hi, I today received a letter from intrum advising that my debt will now be managed by a company called Resolvecall, and that they also specialise in home visits to discuss a repayment plan going forward? I did send DCA a CCA request in 2020 and heard nothing since. I am certain that the debt is now Statute Barred. Do I send the usual letter to intrum?

Will do. What should I do if Resolvecall turn up again?

you send it to intrum the debt owners NOT the monkey. if you wish there is no harm in stapling a copy of the resolvecall letter to it. 2nd class with free proof of posting in quite ok

Thank you for all your help but I have a couple more questions. I'm just about to fill the Statute Barred letter in. The letter from Intrum UK states all correspondence should be sent to ResolveCall's address and the only one for Intrum is the Intrum group address. Which address should I send my letter to also do I need to include my name where it asks for the address? Thanks again Jimmy

The OH had letter from Resolvecall regarding a very old LTSB debt at the start of the month. Knowing it was SB, I sent off the SB letter to Intrum who owns the debt. They responded to the OH last week when I was away. They said speak to Resolvecall and the standard letter, we'll pop to your house malarkey.... Just ignore as Intrum own the debt and from the looks of it have ignored the SB letter? The OH gets twitchy with these things, thanks PM.

Hello, I just have a really quick question regarding Statute Barred Letters. I recently received a letter from resovlecall regarding a old Amazon credit card/Halifax that I had in 2007. In the letter it said that resolvecall was working on behalf of Intrum, who do I send the SB letter to? Resovlecall, Intrum or both? Thank you in advance for any help I may receive. Choccie

Hello DX - Resolvecall have written to say they have closed the account with them and passed it back to Capquest after receipt of my SB letter. Capquest have written twice, once offering a payment plan and the second letter after receiving my SB letter saying they are looking into my complaint and will respond within 8 weeks. Absolutely no mention of what the debt is, was or from when or any details still. Is this a case now of waiting to see what they come back with or is now the moment for me to send another letter via Solicitor please?

Hi, can someone please confirm when my debt became statute barred. It was a car hire purchase my credit file shows last payment was June 2017. The car was repossessed and auctioned off in 2017. My credit file shows updated as satisfied 01/02/18. The default date just says n/a. This has been through debt managers solutions then passed to intrum who have asked resolve call to get in touch. I have made no payments or acknowledged the since September 2017. Thanks

Hello everyone I've received a letter from Moon Beever Solicitors on behalf of 1st Credit (Finance) Limited for an outstanding Halifax debt of £2,254.03 Letter reads as follows "We are instructed on behalf of 1st Credit (Finance) Limited of The Omnibus Building, Lesbourne Road, Reigate, RH2 7JP. This letter is sent in compliance with the Pre-Action Protocol on Debt Claims ("the Protocol"). It is part of the requirements of the Protocol that we refer you to Annex 1 of the same and supply you with an information sheet and reply form. A copy of Annex 1 and those documents are provided with this letter. Our client has a claim for monies owed on your Bank Of Scotland Plc Bank account reference xxxxxxxxxxxxxx, which was opened on or around 3rd July 2006 ("the Agreement"). The account was assigned to our client on 18th November 2013 and a notice of assignment was sent to you on 10th August 2015 confirming our client as the new legal owner. The sums owed to Bank Of Scotland Plc must now be paid to our client" It then goes on to say that I can request a written copy of the agreement (if applicable) which the client will request from the original creditor and send to me upon receipt. As well as providing as reply form and a income/outgoing form I had some bad credit problems in the past and I understood that they were now statute barred. This debt doesn't appear on my credit report, which I check every month after being a victim of identity theft. I'm not sure what to do next, so any advice will be gratefully received. Thanks, Al

1st letter from Capquest. 2nd from Resolvecall. 1st Letter: Your account will now be managed by Resolvecall Limited We are writing in relation to your account, with which the balance of £xxxx 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 Limited, a debt collection agency who work on behalf of Capquest Debt Recovery Limited and are also authorised and regulated by the Financial Conduct Authority. Resolvecall Limited specialise in visiting customers' properties to help engage and enable a discussion with you on your current financial situation and agree an affordable repayment solution. They will contact you regarding payment of the outstanding balance and manage all contact and correspondence moving forward. Please be reassured that they will write to you in advance of any visit to your property, providing a timescale of when the intended visit will take place, and providing you with the opportunity to call them and discuss your account over the phone ahead of the visit should you prefer. For all future questions and support, please contact Resolvecall Limited directly. Yours sincerely, Capquest ************************************************************************************** Resolvecall Reference Client Reference Amount Due: £ Re: CAPQUEST DEBT RECOVERY LIMITED We are acting on behalf of CAPQUEST DEBT RECOVERY LIMITED who have purchased this account from CAPITAL ONE and have been instructed by them to assist in collecting the outstanding balance on this account. You will have previously received a letter from CAPQUEST DEBT RECOVERY LIMITED instructing us. Please contact Resolvecall immediately upon receipt of this letter to discuss your account and enable us to understand your present circumstances and reach an amicable solution that meets your present situation. If we don’t hear from you within 7 days your account will be passed to our home visit team to make a personal visit to your home, our agents will ensure all relevant social distancing guidelines will be adhered to. Please contact Resolvecall on 0141 212 8470 Letter on its way to Capquest. Thanks everyone for your help.

Just checked previous details received a few years ago from Resolvecall in which I did not get any further response. Last payment made on account was July 2015.

Dx100uk - thank you that’s good to know. I’ve identified myself and the details they give are relating to a debt with Mbna - purchased by Capquest who have now passed it on to Resolvecall. There are 2 letters I can view, one dated today from Capquest advising it’s been passed over and giving their reference number. The second letter also dated today from Resolvecall giving their clients (Capquest) ref number plus one of their own. Where do I go next from here please?

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.

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.

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

Hello everyone I've received a letter from Resolvecall on behalf of Intrum UK Limited for an outstanding Halifax debt. Letter reads as follows "We are acting on behalf of Intrum UK Limited servicing for Intrum UK Finance Limited Limited and have been instructed by them to assist in collecting the outstanding balance on your HALIFAX account. Please contact on of our agents who can provide information on all of the options available to you based on your individual circumstances. In the meantime, you can manage your account online at myresolvecall.co.uk or see the reverse of this letter for our payment options. Failure to contact Resolvecall within 7 days from the date of this letter will lead to personal visit being made by one of of our representatives to your home. The purpose of this visit is to assist you in contacting us to discuss your account." Now as far as i'm concerned this debt is statute barred as I had the same kind of letters from 1st Credit back in 2018 which I went through which ended with me sending the standard SB letter and 1st Credit replying that they disagreed with the SB and they would request statements from the original creditor to back up their claim and would forward these to me once they had them and in the interim no further action would be taken against me by them. However since 2018, I've never heard anything back from them so assumed that they were unable to get such statements and had closed this off. I'm assuming that as 1st credit have now changed their name to Intrum they are rolling the dice to see if they can bully me into acknowledging/paying this SB debt. I have the SB letter ready to be sent out to Resolvecall as i've read that if i just ignore them they could end up getting a backdoor CCJ added but just wanted to check that this is the right course of action. Thanks, BM

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?