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DCA Visit from Resolvecall Today, What Should I Do Next?


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Hi All,

 

I was in the shower this morning when I missed a visit from a DCA called "Resolvecall". They had written to me a few weeks ago threatening a doorstep visit but I didn't think they actually would. You can imagine my surprise when I saw a brown envelope on the doormat this morning with my name handwritten on it. Postcard inside they "called today for the 1st time regarding your account" with a ref number and number to call (an 0844 one :!:).

 

I'm currently living with my parents (due to job loss) so obviously this is causing me more stress and worry as I don't want them having to deal with these people. I'm not denying that I owe the debt (it was originally a Northern Rock loan taken out 7 years ago) but like I said I don't want to deal with these people in person or keep having them turn up on my parent's doorstep when the debt is nothing to do with them.

 

I'd be grateful of any advice you could give me. Thankyou.

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Don't be worried by this. Most of these doorstep agents are self employed and they are given a list of people in their area, from whom they can earn a commission, if they gain a payment agreement. They probably won't come back again, if you ignore them. As for your parents, just tell them some company is trying to sell you a loan that you don't want, so if someone comes to the door asking for you, to tell them that you are not there.

 

Your debt has nothing to do with your parents and will not affect them in anyway.

 

If you want advice about how to deal with this particular debt situation, you will need to post more details. What type of credit arrangement ( personal/business) ? Was it in your sole name ? When roughly (month/year) did you take this out ? When did you last make any payment or admit in writing to owing the debt ? Any other debts that you owe ?

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They arent actually permitted to simply turn up on the doorstep, have you previously had communication from them ?

 

Can you tell us a little more about the debt itself.

 

I think you are going to have to write to either them or the current owner of the debt - make it clear that whilst you are staying with your parents, this is not your home and you are not prepared to either have their agents telephone or visit. It is your legal right to communicate in writing and once you have made it clear that is your choice of contact then they should abide by it.

 

The sooner you get the letter out to them, the better.

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We could do with some help from you.

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Oh gosh I don't even remember writing that! I was alot younger back then and I'm embarrassed to admit I buried my head in the sand and left it. I didn't hear anything for a long time and it was only in November last year that I started getting letters from a company called Marlin in response to the debt. I paid them a token payment of £10 at the time, but then their letters got more threatening and they started added "charges" onto the debt. It then got passed onto their "solicitors" and as mentioned I got a letter from Resolvecall a few weeks ago saying they were now dealing with it.

 

I do have other debts and these were managable but now that I've lost my job they won't be and I need to start writing letters to them asking to accept token payments whilst I'm out of work.

 

A little bit more about this debt in question - I got a loan out with Northern Rock in 2007 over 5 years, can't remember exactly how much for. I ended up being out of work (story of my life) and wrote to them asking for help. I never heard anything from them. I ended up defaulting on the debt and subsequently have been chased by debt collectors ever since. Marlin (who passed the debt onto Resolvecall) seemed to think I owed them £10k (it was originally £7k but they whacked £3k of charges on top).

 

As you can see I have been a bit of an idiot burying my head in the sand and hoping things would go away. Losing my job recently and being that little bit older and wiser (i was 24 and fresh out of uni thinking i was invinsible when I took out the loan back in 2007) I really do want to get my finances in order.

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What month in 2007 did you obtain the loan ? Was it pre April 2007 ?

 

After taking out the loan, when did you stop making payments ? Was there a period of 6 years when you did not make payments or admit to owing the debt in writing ?

 

Do Marlin still have this debt assigned to them ? ( Resolvecall I believe will just be acting for a debt owner)

 

Suggest that you check your credit record to see what is currently showing. This is a link to a free service. https://www.noddle.co.uk/

 

Whoever owns or has this debt assigned to them currently, you should send them a CCA request with the £1 postal order. Link to letter here

 

With regard to the other debts, you should really get proper debt advice about your overall situation. You could make token payments, but this just extends the debts over a longer period, as in terms of limitation act, they will then not become statute barred, so can be subject to court enforcement ( CCJ).

 

If I were in your shoes I would get all my paperwork together about the debts and I would phone Stepchange ( link here ). Perhaps you qualify for some form of debt relief option and you can get shot of your debts. Depends on what assets you own and your income.

 

Don't bury your head again about these debts, as otherwise you risk taking them into your 40's. If you can get proper debt advice now, this may be avoided.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

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send them the doorstep letter making it clear its not ur house so they have no permission to come to house.

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Please remember the only stupid question is the one you dont ask so dont worry about asking the stupid questions.

 

Essex girl in pc world looking 4 curtains 4 her pc,the assistant says u dont need curtains 4 a computer!!Essex girl says,''HELLOOO!! i,ve got WINDOWS!!'.

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