Resolvecall at my door over old maiden name debt from +8yrs ago

[Mary ham]

Hi,

a debt collector came to our home today,

the name he asked for was a previous name of mine,

my husband didn’t acknowledge my previous name to him,

 

I’ve remarried and haven’t used that name for over 5 years,

prior to that I left my previous marriage over 8 years ago,

 

I’ve had no debts whatsoever in the last 8 years.

 

I have no knowledge of what this debt is even for,

it could possibly be from my previous marriage but unsure,

 

can they chase me if it is for a debt that has had no payments or anything registered against it for over 8 years?

 

Any advice welcome.

How do I stop them coming to our door again? 

[Ethel Street]

Who was the Debt Collector?

 

Did they leave anything that might give a clue?

 

Had any letters been sent to your address saying a debt collector would call?

 

Has anything been sent to you in the last 6 years in your previous name that could conceivably have been related to debt?

[Mary ham]

Resolvecall.   Only a card with a reference number. Nothing else at all. 
 

no letters sent saying someone would call at house. 

[dx100uk]

all DCA's are powerless and are not bailiffs.

 

doesn't mention cabot on there does it?

they've recently been chasing old statute barred debts because people know no better and wet themselves and cough up.

 

anything on your credit file?

when was the last time you moved?

 

dx

 

[Mary ham]

No mention of Cabot. 
 

credit file not sure tbh, as said I’ve not used that name for over 5 years.   We moved 4 years ago. But I left my previous husband over 8 years ago of where this may have come from? So long ago genuinely don’t remember.  Can I email them to say do not call at house again? 

[dx100uk]

god no 

never use email

gives them a free way to harass you.

 

ideally what you should never do is move and not tell your debt owners. you run the rick of a backdoor ccj on any old debt.

 

dont worry about them calling, they cant do anything 

you film them on your phone, dont engage, simply state leave my property and dont return else you'll call police 101.

 

go check your credit file 

all 3 are free now.

 

dx

 

 

dx

[Mary ham]

I had two emails from them several months ago but again it didn’t say anything other than a reference number. Assume my email address was on file from over 8 years ago. 
oh never heard of back door ccj. So this could happen? 
I’ve  just signed upto experien but can only get a free score. It’s asking for £14.99 to get full report? 
 

[dx100uk]

credit karma site?

 

probably be nothing there as i bet the debt was defaulted more than 6yrs ago and has been removed.

well if they have your email anyway, use email.

reply to one of their mails and say i have no idea what alleged debt you are chasing

please could you tell me your clients name

and the details of the original debt please

 

lets play games for now.

 

dx

 

 

 

 

[Ethel Street]

It's the  free "Statutory Credit Report" you want, not the more expensive ones Experian would like to sell you 

 

Statutory Credit Report | Experian

WWW.EXPERIAN.CO.UK

---

Your statutory credit report shows information Experian holds about you and shares with authorised lenders when they are assessing you for credit.

 

[Mary ham]

I’ve Just signed up to a 30 day free trial with equifax!  Absolutely no defaults registered in last 8 years. 

 

 

 

[Ethel Street]

Good.  Let us know what, if anything, you find on TransUnion and Experian statutory credit reports as well.

[Mary ham]

Oh it’s best to do all three? 

[dx100uk]

not all creditors use all 3 agencies.

 

dx

 

[Mary ham]

Thank you.

 

I’ve just done experien and asked for statutory report, it’ll take about a week. I’ll do transunion as well.

 

 Can I just check how do I sign off when I send email?

 

Do I use my name as it is now or no?

 

Do I acknowledge I was the name they’ve used?

 

Sorry not had to do this before so unsure what to put.  

Also the credit reports, do I have to do separate ones for my previous name or will they automatically be carried over to my reports with my new married name? 

[dx100uk]

Use your current name, let them work it out .

 

As for credit report you should see all your previous addresses under linked address es

[Mary ham]

Thank you. 
my previous marriage, I moved out over 8 years ago, that address is  not showing on my report,

this is where the possible alleged debt might have come from.

Only linked addresses showing are where I am now and where I was for 4 years before moving here! 

 

I’ve done the transunion one which links Experian, and equifax as well as transunion, no defaults at all on any of these?  

[dx100uk]

as i said the debts most prob wont show as any default would be well past it's 6th b'day when accounts get removed.

 

its a scam but i think you need to reply as advised then we will send our statute barred letter by royal mail once we know resolvecalls client and the debt

 

dx

 

[Mary ham]

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. 

[dx100uk]

std MO for this lot

 

send arrows our sb letter from the debt collection section of your library

 

attach a copy of that letter just so they know what debt they are chasing

 

dx