Resolvecall

[Tidd7665]

Hi,

I’ve read through the forums and found a lot of information, but thought best to write a quick post to get some advice please. I had a lot of debt when I was younger and it’s since dropped off my credit report. I’m going back 15 years ago or more. I had countless debt collectors letters passing debt on etc. I had one door step visit a few years ago from resolve call then it went quiet. I know the debt will be statured barred as it’s been more than 6 years. However I got a letter the other day advising it’s been passed to resolvecall and a door step visit yesterday. I was in and got a note advising to contact. However I noticed on the ring doorbell they then proceeded to knock on my neighbours door asking if I lived there! I am furious! Now I know they can’t divulge any information or mention they are collecting debt, but with wearing their uniform it was pretty obvious.

im wondering what to do next. I’ve always ignored. Should I send a statutes barred letter? I’ve never acknowledged the debt. Do I also complain that they knocked on my neighbours door?

also can this be done by email or is a letter best? Thanks

[Tidd7665]

ChatGPT provided this template. I know there are templates on the site but I wanted to incorporate the visit. Does this sound okay:

Dear Sir/Madam,

I am writing regarding your recent visit to my property and the card left requesting contact.

I do not acknowledge any debt to your company or to any organisation you claim to represent.

You have contacted me about an alleged account for which I have no knowledge. In any event, given the apparent age of any such alleged account, it would be statute barred under the Limitation Act 1980, as no payment or written acknowledgement has been made within the relevant limitation period and no court judgment exists.

I am also concerned that your representative attended my address and approached neighbouring properties while visibly identifiable in branded uniform asking for my name and whether I lived next door. This has caused unnecessary embarrassment and distress and is inappropriate.

Please take formal notice that:

• I require all communication in writing only
• I do not consent to doorstep visits
• Any contact with third parties regarding me must cease immediately

If you believe you have a lawful basis to pursue this matter, you must provide written evidence of the alleged debt, including the original creditor, default date, and your legal authority to collect.

Otherwise, I require written confirmation that my details will be removed from your records and that no further contact will be made.

Yours faithfully,
[Typed Name Only]

[echat11]

Hi Tidd7665

Welcome to LB

The letter is fine, make sure you get Proof of Postage.

Send a copy to the Creditor.

Write a separate letter to the Creditor, mark it formal letter of complaint, explain what happen,
the stress / upset caused and what you want them to do. Follow the complaints procedure on
their website. In the letter explain that they have breached FCA and Trading Standards Guidelines.
Make sure you get Proof of Postage.

[Tidd7665]

Thanks for replying and taking the time to provide advice. I will also do a separate letter. In terms of outcome what I want them to do in regards to the complaint, do you have any suggestions? They can’t put it right as it’s already happened I suppose

[PallasAthena]

Do you know if the original creditor still owns the debt or have they sold it on? It's the current debt owner you need to write to if the OC has sold it.

[Tidd7665]

It’s been sold on many times I’m sure. It’s been passed on from capquest to resolvecall. I understand it would be resolvecall I would contact as they were the ones who came to my home then proceeded to knock on my neighbours house

[PallasAthena]

Yes you write to Resolvecall but as advised by Echat11 copy it to the creditor and send them a letter of complaint. That's the current debt owner if it has been sold. If it was sold you should have received a formal notice of assignment telling you that it has been done.

[Tidd7665]

Ah right yeah it was sold. I don’t know whether it was sold to resolvecall or they’re just the lackies to knock on the door. I didn’t really read it properly and binned it.

[Tidd7665]

Is it okay to email? Or just letters via post. Thanks

[PallasAthena]

Write by post and get proof of posting. Don't email or give them your email address.

Resolvecall don't buy debts. They're just debt collectors working for someone else.

[echat11]

Thanks for replying and taking the time to provide advice. I will also do a separate letter. In terms of outcome what I want them to do in regards to the complaint, do you have any suggestions? They can’t put it right as it’s already happened I suppose

Read all, but page 5 is relevant, the Creditor is responsible for Resolvecall's actions.

The OFT is now called the FCA.

https://www.top-service.co.uk/upload...nce%202003.pdf

The Creditor should compensate you.