Good evening...... I had the pleasure of a member of Resolve Calls team visit my home this evening with regard to an old debt of an unsecured loan taken out with Northern Rock in 2004 - last paid via debt management in 2014. Cabot took up this debt in 2015, I sent them a CCA request in Jan 16 but from memory only received a standard response. I have two questions i could really do with some advice on 1) Should I write to Cabot reminding them of the outstanding CCA request or resend the request? From memory i think they sent a generic response effectively saying they were 'looking for it' . I know i should have kept this info, however the original signed agreement was definitely never provided. 2) Is there a letter or anything I can communicate to prevent these people just turning up at my door? They wrote to me months ago informing me of Resolve Calls involvement but i assumed it was fairly generic. The guy was very polite and non-threatening, I gave him no more info than he could find from the electoral roll, his objective seemed to be to get me to call his office on my doorstep at 7.30pm in the dark. At this point i politely told him that wouldn't be happening so he gave me a card with details on to call. I work away fairly often and do not want these people turning up when my partner and young son are at home alone. Thanks in advance for any advice

Hello everyone. Im new here, so I hope I am in the right place. I really dont know where to begin. I was paying my credit card off at a reduced rate until around 3 years ago when my debt was sold to Cabot who more than doubled my payments. It was too much for me to afford with no job, recently divorced and a young family to support. So I defaulted. Other than one letter from Cabot asking me for full payment of my debt, I have not received any further payment requests nor notifications of home visits during this time. I have lived at the same address for 6 years. I am in Northern Ireland. Last week I received a home visit from Resolve Call debt collection agency. He said I would have got a letter giving me 7 days notice of his call, but I honestly did not. He was very rude and really frightened me. He said various nasty things and made some threats of court action, bailiffs and being made homeless if I failed to pay in full. He also said that he will keep coming back until I pay up. I have been terrified to answer my door for almost a week. I really dont know what to do or where to go from here. I dont have the money to pay them and they wont listen to reason. I did query the account with him when he tried to push his way into my home by attempting to walk straight through me, but I did not admit to the debt. They want the full amount or they will take me to court. My original debt was for £15000 and with my previous payments it now stands at almost £9000. Any advice would be deeply appreciated.

My stepson left the house seven years ago. He had numerous debts. Since then I have had a long battle with various debt collection companies etc. I am sure you know what I mean constant telephone calls, letters etc. i actually won an out of court settlement with one company and have stopped all the rest sending letters or ringing. Today I got knock on the door. A man was there and stated he was from"RESOLVE". I asked to see his I.D which was refused. He then asked to speak to...............asking if he lived here. I simply stated it was none of his business and he was to remove himself from my property. If he did not I would ring the police. He then went to the house next door and started asking questions concerning my stepson etc. LOL my next door neighbour was not as polite as me and told him to Foxtrot Oscar. He then left the street. This came out of the blue. There was no threatening warning letter, no telephone calls. he would not even give the full name of the company. As any one had the same experience with this company? Secondly How do I make a complaint when I am not 100% which company it is.

Quicker way to resolve claim disputes launched online READ MORE HERE: https://www.gov.uk/government/news/quicker-way-to-resolve-claim-disputes-launched-online

Hi, I stumbled across this website and I hope you can help me. I'll be so greatful if you can. I have a defaulted Lloyds account which I last used in 2007, and in oct 2013 it defaulted. The overdraft had grown from about £250 to over £1600. I received not a single letter... .up until 2013 when I got one from a credit collector demanding I repay it. I have been arguing it is statute barred for some time now, and they have supplied me with statements showing no activity since 2007 and a steadily increasing debt. It defaulted shortly after maxing out and defaulted. I seem to be going round in circles, after reading what feels like the whole internet on this topic, my point is that LLoyds could have taken action after a nominal two years of inactivity, thus starting the SB clock. Is lloyds had withdrawn the account as per their own T&C then it would have defaulted a long time ago, and been a much smaller debt. Do you think that is a fair argument? If it is, clearly it's not in their interest to agree, so how do I force the issue as I don't want this to go on another 2 years! Thanks for any help you can offer

Sorry for the vague title, I have been fairly successful in resolving issues with PPI claims as I have been able to seek advice on the various forums, some have taken longer than others but have stuck it out. The main problem I have, is dealing with, the various products I ended up paying for with what was the Midland Bank in 1993 through to HSBC in the present day. I have had various endowment policies, critical illness, life cover and even ended up with two mortgage/income protection policies which proved useless as when I needed to claim because the company went into administration in 2009. To find out that as a director I wasnt entitled to anything. That is in the past and would like the opportunity of showing a solicitor the extent of what went on between 1993 & 2009 because I still have not got a clue, I just feel that at no point did they act in my best interest. As I have said if it was straightforward I would just get on with it, I have written up 16 pages of summary with regards the various transactions and what has happened but just feel I need an expert eye cast over it. I would really appreciate your opinion and to point me in the right direction. Regards Will

Have been ignoring my 6 Payday loans and 4 other debts for several months now, the other companies don't appear to have put disproportionate amount of interest on to the debt but my Toothfairy loan has gone from the original amount of £300 up to £1438 since I took the loan out in late July and I get this email from them every 5 days: We are writing to give you formal notice that ToothFairy Finance Ltd - ToothFairy Pay Day Loan has legally assigned the rights of the above debt to Marshall Hoares Bailiffs. This means that Marshall Hoares Bailiffs Limited now legally own this debt. YOU WILL HAVE OR WILL SHORTLY RECEIVE A HOME VISIT We intend to pursue you fully for all outstanding sums (GBP 1438) including any fees we incur collec ting this debt. Payment in full must be received no later than 17:00 to avoid further door collection fees being added to your file. DO NOT IGNORE OR THIS WILL COST YOU MORE Debt GBP 1408 Missed Payment Fee 1 (day 29) GBP 10 Missed Payment Fee 2 (day 43) GBP 10 Missed Payment Fee 3 (day 57) GBP 10 Repayments todate GBP 0 Total GBP 1438 TAKE NOTICE: You should accept this letter as formal notification that unless payment is received within 4 days then your account will be fast-tracked and considered for the following: Consequences of inaction: 1. Court Judgement legal action will be automatically started in the County Court for recovery of the full amount outstanding. Any such proceedings will include additional claims for legal costs and interest which will increase the amount you will be required to pay. 2. Warrant of execution will be app lied for to enable us to seize goods at your addresses and or an attachment of your earnings. 3. Register of Judgements any judgement will be entered in a public register, the Register of Judgements, Orders and Fines Credit Reference Agencies, who will supply them to credit grantors and others seeking information on you financial reputation. This will make it very difficult for you to get credit. 4. Credit reference ToothFairy Finance Ltd have already advised the Credit Reference Agencies of your DEFAULT. This may seriously affect your ability to obtain credit in the future. Once the balance is paid in full, only then will the default be shown as “Default Satisfied”. To AVOID A HOME VISIT or further action you should PAY IMMEDIATELY 1. online using a card by visiting: www.marshallhoares.com OR 2. at bank either over the counter at the bank or by electronic transfer to: Barclays Ba nk Account Number: 93462382 Sort Code: 20-50-94 This debt will not go away and should not be ignored You can contact us on 08433811111 to discuss your outstandig debt. Yours Faithfully Anti - Fraud Marshall Hoares Bailiffs Telephone: 0843 381 1111 The content of this email should not be considered as an acceptance of any offer unless we previously review and expressly approve in writing your terms and conditions relating to the subject matter of this email. The information in this email is private and confidential. If you are not the intended recipient(s) or have otherwise received this email in error, please delete the email and inform the sender as soon as possible. This email may not be disclosed, used or copied by anyone other than the intended recipient(s). Any opinions, statem ents or comments contained in this email are not necessarily those of Marshall Hoares Bailiffs Limited. If you wish clarification of any matter, please request confirmation in writing. Marshall Hoares Bailiffs Limited. Registered Company No.: 6871092 Consumer Credit License: 631168 We take precautions to minimise the risk of this email containing a software virus but you should use virus checking software. How should I even begin to deal with this lot as from looking in this section of the forum they don't look very easy to deal with

Just had an early Christmas present in the form of a letter from Capital Resolve. Story goes like this, I was a housing association tenant between 2009 and 2014 prior to buying my own house. These were possibly the worst people I'd ever rented from. They had zero maintenance schedule and most repairs would only be done after countless complaints. Weeks after leaving the property I receive an email stating i owed £2154 for damages to the property. The list contained things like realigning kitchen cupboards ( the kitchen carcasses must have been over 15 years old) replacing internal doors and a cracked plug socket. The best additions were a charge for re-pointing one of the windows , how is this a tenants responsibility? Any so called damage would surely be weather and general wear and tear. Lucky it didn't need the roof re-tiling. Another charge of nearly £400 to replace the shower I removed. The shower was fitted from scratch ( including power and cold water feed) at my cost. They never fitted a shower. I called them out on the bogus charges and they continued to bombard me with the odd letter even following me to the new address. After 6 months they halved the bill in attempt to get me to pay. My only correspondence was an email reply saying 'take me to court if you think you have a case'. I'd heard nothing from then since 2014, now i get the letter from a debt recovery firm. My gut is telling me to ignore them. My only concern is will this affect my otherwise perfect credit score?

A letter from Capital Resolve ( on behalf of TK MAXX) arrived, not addressed to me. When first moved here I regularly received letters and visits from bailiffs and police for people who are using my address fraudulently. In the past, I sometimes sent the correspondence back to the sender, a few I ignored, sometimes I called the various companies, and more than once had to explain to whoever came knocking on the door etc. However, after a particularly bad experience in the past with an enforcer from Marston (I posted here about it and got help!), I am cautious about just sending back closed envelopes or calling the company, giving my name etc . How can I nip this in the bud? Cristina

nb. subject should be freeholder not leaseholder Hi, in a nutshell we are trying to get information on ground rent owed to freeholder and monies we believe owed to my partner (leaseholder) from the freeholder and not sure what action to take next. Here's the timeline and more information: Dec 2013 Roof of my partner and her then husband (we'll call him Gru) leaks resulting in exterior and interior damage to property Freeholder refuses to make insurance claim as behind on ground rent despite not providing my partner and Gru with required invoices for ground rent Decision made to have work carried out by partner and Gru and pay contractors directly March 2014 Up to date on ground rent Freeholder makes insurance claim Insurance payout agreed by Gru and paid to freeholder - £975 Insurance payout not forwarded on. Not chased due to personal circumstance including partner not living at home. At some point a verbal agreement on paying ground rent was reached with Gru while he resided at the property which my partner was not party to. Still no invoices from freeholder for ground rent. My partner moved back into the property in February 2015 and Gru moved out. May 2015 Letter hand delivered to freeholder (he's local) requesting payment of insurance money June 2015 Second letter sent to freeholder, same as above August 2015 LBA sent to leaseholder threatening court action September 24th 2015 Email sent to leaseholder in last ditch effort to stave off court action September 25th 2015 Reply from freeholder intimating an amicable solution regards offsetting ground rent and insurance payout October 12th 2015 Chased freeholder for information October 19th 2015 Chased freeholder again for information October 19th 2015 Freeholder replied advising still looking for some of the information October 20th 2015 Polite confirmation What action should we take next? I'm aware it's good to show effort to mediate before jumping in with court action and freeholder has shown his desire to counter-sue for ground rent, even though he appears unable or unwilling to provide us with information on how much we owe for ground rent. Not even sure if he can hold onto the insurance money in lieu of ground rent. Any help and advice greatly appreciated. Thanks, Kris

Oh look... Looks like they have begun trying to "Enforce" These debts...

Hi, I'm hoping someone can shed some light on the method used by Sportsdirect to resolve a short delivery. Maybe I've been spoilt by some of the excellent customer service provided by just about every other company. I received my parcel, slightly later than stated, in a box that had been reboxed by the delivery company, Yodel. Upon opening it I found some items to be missing, totalling £11 on a £100+ order. As a family, we have had no problems until now. I emailed them with details of the missing items. I was then requested to take pictures of the box. I was then asked to fill in some sort of disclaimer form. I filled this in and was told I would have to print the form off and fill it out then post it before they would do anything. This all seems a bit much. And the fact the onus seems to be on the customer to prove they are almost telling the truth! Is this the way short deliveries are dealt with? I won't name the other companies I have dealt with and NEVER had any of this agro, purely because the list would be too long. Any help would be greatly appreciated Pauline PS, should have added I have emailed back to ask why it is such a convoluted procedure I have had what is obviously a generic reply probably generated by a bot. Absolutely abysmal, non existant (literally) customer service.

I have received a letter from Capital Resolve who have been " asked to contact (my name) and have been provided my address by a Credit Reference Agency through their name and date of birth matching service" I am not aware of any debts in my name but there may be a possibility of a utility bill debt from a property I rent out. I am concerned about how they managed to find my date of birth and address details. What is the first line of action I should take and in which form? e mail? letter?

Low-value civil court cases in England and Wales could be dealt with by an online disputes system similar to that used by eBay, a report recommends. A Civil Justice Council report says settling non-criminal cases of less than £25,000 online would reduce the expenses generated by a court. Principal author Prof Richard Susskind said eBay disputes were "minor", like many civil court cases. Her Majesty's Courts and Tribunals Service says it welcomes the report. The proposed online dispute resolution scheme would be similar to the one used by online marketplace eBay to diagnose and resolve disputes. Online facilitators would be used to help parties reach an agreement, and if that failed, online judges would rule on cases without the need for courts to be booked or for the parties involved to appear in person to give evidence. The report, from the council's online dispute resolution advisory group, suggests conducting a pilot, ahead of an anticipated full roll-out in 2017. The BBC's legal affairs correspondent Clive Coleman says the report is calling for a radical and fundamental change to the way courts deal with smaller claims. http://www.bbc.co.uk/news/uk-31483099

I have had an ongoing issue with British Gas since my renewal dropped through the letter box in September 2014 for £340/yr. A fairly simple telephone call you might imagine to negotiate a better deal to compare to competitors at around £200/yr for the same level of cover. Anyway, two telephone calls that failed to result in a new price, due to "computer issues". Followed by various methods of them delivering the same £340/yr renewal quote with no explanation. Plus my complaints via on-line message through the website and to various complaints/customer service email addresses has still not resulted in a resolution. The most annoying fact is after the initial phone calls they said I would continue to be insured, and they would take the direct debit at the monthly amount stated. Now they never did this, so i would assume I am not insured, but they have not responded to my questions to confirm this. Please give some thought before you take one of these policies, and not just with BG by the sounds of it. I am going to try and find a good recommended boiler service guy and hope that any breakdowns and repairs are not too painful. Thanks for reading..

Hi Please help Capital resolve are threatening me for a debt I had with liquid advance. They have sent a copy of an electronic agreement with yes solutions. I borrowed 260 from liquid advance 18 months ago. Apparently. I thought it was 200. I have made payments of 45 pounds to them via step change and then they gave the debt to capital resolve. I have sent several letters of complaint to capital resolve and also an email stating that I am aware that they have had to report themselves to the FCA etc. I have also told them that I do not acknowledge any debt to yes solutions and to stop harassing me. They want 488 pounds off me. The original debt and capital resolve aren't on any of my credit files at all. I sent a cca and got an unsigned copy of an electronic agreement. Since leaving step change i have paid off over 1700 pounds and got over 6500 written off. I now owe less than 8k for the first time in 11 years. Thanks to all of you

Hi there, I entered into a Tomlin Order with Arrow in Feb 2013. We agreed to a final settlement amount of £552.27 payable monthly at £15.34 starting on the 31st March 2013. I had a letter through after about 4 months saying I hadn't paid anything and we realised I hadn't put a reference number on the bank transfers, the amounts I had paid were found and put against my account. On Saturday I received a letter saying thst RMA Resolve are now managing my account on behalf of Arrow and if the balance is wrong or if I don't think the letter is for me to contact them. The balance wax £483.44 as at the 22/09/2014 I called my bank and they read out the dates that I had paid -18 payments in all. I called RMA and the nightmare begins. They have never heard of a Tomlin Order, they have been sent the account as Arrow say I have only paid £32 odd! I have to email the Tomlin to them (a trip to the local library as our scanner has packed up), email proof of payment (£5.00 for the bank to produce statements plus a 40min round walk to our local branch), then they will have a meeting about the best way forward! I called Arrow to be told nothing to do with them now. What can I claim back in compensation? The Tomlin says they should review every 6 months and they haven't but apart from this I have kept my side of the agreement. I have checked the accoun details and reference number of Arrow and it is all correct. Any advice? Thanks

hi could someone please advise..i had an email from capital resolve yesterday saying that they have booked an appointment to visit my house next week..i have had 2 other emails in the last week just stating that i need to contact them with a ref number no info on why they contacting me..my only question is will they come to my house???

I have received a letter from First Capital Connect saying that they intend to take me to court for travelling without a valid ticket AND allegedly altering my ticket with intent. My ticket was in very poor condition and approaching its expiry date (so I thought!). The magnetic stripe no longer worked and the print on the front had become smudged and worn out. Glancing at it in my travel wallet I genuinely thought that the expiry date was the 18 March - however FCC staff urged me to look more closely and said they believed that it expire on 10 March. I explained that this was an honest mistake on my part and that I would pay any fare required for my journey that day. However, this offer was not accepted and I was asked to give a statement and told I might receive a letter at a later date. I now plan to write back to FCC to reject the allegations and explain that the age and condition of the ticket meant that I made a reasonable and honest mistake. However, is this going to be enough to avoid a court case? Should I repeat my offer to pay a fine out of court or hold off? Is it worth contacting them by phone at this stage to try and come to a settlement? Any help or advice gratefully received!

Hi, I received a letter in the mail from Capital Resolve this morning on behalf of their client (Greater Anglia train service) requesting payment of £62.60 This all scales from a charge around £4.20 last year for an unpaid ticket due to their on-board card machine refusing my card (there is no ticket machine at the station to buy before hand) And my account with more than enough money for the purchase as I had to withdraw later in the day to get home (from the same card that was refused) I explained this in a written letter with receipt proof to Greater Anglia (or whoever deals with payments) and told them that I was refusing to pay as it was there problem resulting in me not buying a ticket, and not my own. (to which I never received any reply) Is there anything I can do to fight this, should I just ignore it? Should I offer to pay the original price of £4 something? Thanks for any help or advice you can give for this as I feel charging over £60 for what is essentially their own fault, is a bit over the top.

Hi i stupidly got a pay day loan with capital finance one sometime ago and could not afford to pay it back after a couple of roll-overs so i cancelled my card which stopped them taking the money Now the number is used to get a code to enter on the contract i have now sold and just received a call from the person telling me a Gemma from capital finance one had called wanting to speak to me and when he asked what it as for she went and told him that it was for a loan etc can they discuss that with him? Also she then went on to tell him that they are going to report me to the fraud department who will take it to the police as i was a fraudster by selling the sim card to him even though the sim was mine. in my opinion that is a very serious allegation I am now at my wits end as i am now very frightened of having the police come after me for fraud etc have i commited fraud by selling my sim i am so worried now and have they broken the data protection act by talking to him about it any help and advice is greatly appreciated many thanks

Hi i have recently received an email from a company called capital resolve. I have not had any phone calls so i don't know what it is regarding. I have a suspicion that its been passed over from Nationwide who had their own company dealing with it. I have paid money in the last month into my accounts as i said i would. But where i have temporary work and haven't made regular payments, they have passed it on. Now they have arranged their own appointment to come to my house on the 14th of January. If anyone knows who they are or what i can do about this, it would be very helpful. Thanks

Hi, long story short on here, i took out a loan with CFO back in September. I realised that i couldn't afford this so set about a repayment plan, eventually sourcing one with them (with much pain!) Since then i have been continually sent various text messages and emails from them. 1. Offering me more money!! 2. Threatening me with phone calls to my office and home (even though i have arranged a plan!) 3. Offering me a CFO Resolve loan/ repayment plan( which obviously i already have) I'm not sure the best course of action here, i'd like to raise this to a higher level as this is incredibly poor from this company If i complain to them direct i'm sure it will fall on deaf ears, any ideas where to go from here? Thanks for everyone's help!

My brother rents a house from a private landlord with two friends. A months deposit was paid as well as a months rent in advance when they moved in at the end of last year. Unfortunately, due to one friend losing his job there was an issue with his share of the second months rent but the landlord was very good about it and gave extra time to pay etc. An agreement was reached whereby they paid an extra couple of weeks rent when able to extend the official rent due date each month and so from the third month they started afresh and paid that month in full. However, it was only at this point that a contract was signed, for 12 months. the tenants signed and had it witnessed and returned both copies to the landlord for her signature. Neither copy has ever been returned to the tenants and this was several months ago. An arrangement was made to allow weekly payments of rent and this has continued. A couple of times the landlord contacted my brother via text to chase up rent and efforts were made to pay. Last week an arrears figure for the last 2 months was provided by the landlord, saying it needs to be sorted asap or she will be forced to serve notice. My brother queried the amount and landlord agreed they had paid more rent than initially thought, but there were still arrears. She also pointed out that looking back there were further arrears and she would provide a final figure. My brother is still waiting to here and is very concerned. He spoke to the landlord and said he would do whatever possible to pay the arrears as soon as possible and is desperate to stay in the house. In many ways the landlord has been very helpful during his tenancy and my brother hopes to keep a good relationship, but also raises a few valid points - concern over the fact that the contract has not been returned, if arrears have been accruing for sometime why are they only being sought now - should some letters have been sent when they began? All communication has been done by text and/or phone - does this have any bearing on things? They have an AST which still has over 3 months to run, does this affect anything at all? Any advice greatly appreciated, obviously we will know more when the landlord replies with the actual figure etc. I should also say that my brother has said to the landlord that he would like to reach an agreed weekly payment plan to cover due rent and reduce arrears.

i had an account with Littlewoods / NDR in December for years i had been paying online and without notice they wouldnt let me into my account yo make payments it was passed onto a company called Arrow Global who then gave it to RMA Resolve to collect payments ...i have been making payment on time 28th every month via telephone banking ... on Wednesday i recieved a letter saying they had not recieved payment's for May and June i know they had recieved payment for May as i had recieved 6 monthly statement and it was included .. and i know i definately paid June .. i phoned them up and they said both payments HAD been receieved although claiming they were late. My bank operates and immediate payment with 2 hr service so not late from my side. Anyway when i was on phone they said it had flashed up on computer that i was to send an up to date financial statement ...i got letter this morning saying it si required by law within 7 days ...i have not had this with any of my other creditors and as i told them on phone my circumstances / income were still the same and they were only getting what was already agreed via littlewoods / CAB at the time Do i have to send my financial details and expenditure on to them ? thanks in advance