No I never authorized any payments into that account and I didn't have debt management plan in place at that time.

well if they were stupid enough to goto court with this

they'd have to evidence how, when and by whom the payment was made

and also evidence that you authorised that payment in writing.

not gonna happen and we've seen these fail before.

pers i'd send the SB letter .

I'll get that sent out today and see what they come back with. Thanks for all the advice

Quick update on this.

I've had a letter from 1st Credit Legal Department stating that they believe the debt to still be active and not SB'd as a payment was made in June 2012.

they say they've requested statements from the creditor to substantiate the claim and they will forward onto me once they receive them.

They then confirm no further action will be undertaken until the statements have been provided.

Time to play the waiting game and see if the statements can be provided

but I know for a fact I never authorized any payments into that account.

Cheers

BM

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

If you have not changed address then your original SB letter still stands...your call if you wish to send a further one but as long as your address is correct and not changed then I personally would just file it.

Andy

Hi Andyorch

Thanks for the reply.

My address hasn't changed since the original SB letter from 2018 and it's correct on the recent letter they sent out to me, so i'll do as you say and file it for now.

Cheers

BM

old and new threads merged

title updated

dx