Capquest/Resolvecall - Old LLoyds Loan - Possible SB'd

[scratconsumer]

Over the past few weeks, I have had the wonderful people from “Resolvecrawl” sorry I mean “Resolvecall” write to me over a very old credit card debt from 2004 and I am fully aware is long Statue Barred!  Certainly, no payment or any acknowledgment has been made since 2004! 

 

one of those lovely computer-generated letters from them stated that a representative of theirs would visit my property to discuss the debt if I did not contact them within 14 days.  I waited for the visit and unfortunately I was not at home when a hand delivered card was put through my letter box asking me to contact them.  I was rather annoyed that I was not home at the time to confront the representative!   

 

I am certainty not surprised either that they sent a representative of theirs during this pandemic!!  We all aware of how scrupulous and vindictive these DSA’s are, pandemic or no pandemic!  The world could have a week to exist and they would still try it on!  going off track, what would be the best course of action be? 

 

The original lender, buyer of the debt and any DCA’s had the chance of their day in court and if they choose to sleep on their legal rights for 6 years then this is their fault!  So, should I just sit on it and do nothing with Resolvecall?  Or Contact them and inform them of my rights and that this debt is Statue Barred?   

 

Any advice would be appreciated. 

[BankFodder]

For an easier life – and also to avoid the risk of some kind of backdoor ccj you might be best off writing to them and telling them you dispute any debt but that in any event it would be  statute barred and that under the CONC rules, they are now prohibited from taking any further action on this and that you will make a complaint if you hear from them again

[scratconsumer]

This is what I was concern about some kind of backdoor CCJ! 

Obviously I would defend any CCJ if this happened! 

I shall write to them explaining the situation in this case. 

What is the best way too contact these kind of companies theses days? 

Is via the standard recorded mail or will an email be sufficient enough? 

 

 

[BankFodder]

In your opening post you seem to be quite strident – in a subsequent post you say that you are going to explain the situation. I think you should simply lay it on the line.

Send them an email and also a recorded delivery letter.

[scratconsumer]

BankFodder,

any communication with them will be simply laid on the line in no uncertain terms! 

Explaining the situation simply meant I would tell them like it is, for which they know anyway! 

I shall email and send a recorded letter. 

Thank you so much for your advice BankFooder your a legend!

 

 

[dx100uk]

ignore snotscrawl..sorry resolvecall.

send THEIR STATED CLIENT..

 

our SB letter from the debt collection section of our library.

 

 

[scratconsumer]

Thank You DX, your a legend

 

[scratconsumer]

Hello to you wonderful people at this brilliant forum! 

would like to pick your brains if you had had experience with any scruples tactics of the parasitic debt collector Capquest!!!  

In a past life I was silly with money and got into a lot of debt! 

 

I behave in a much different manner these days and all my past debts are very old and long Statute Barred. 

But as everyone at this forum has experienced old debts rear their ugly heads at times!

 

For years I have ignored the letters that come through the letterbox every now and then but this year I decided if any appear I will send Statue Barred letters, something I should have done long ago.

 

This past month I have had this company contact me regarding one of my very old debts (A Lloyds Loan) from 2005.  It’s all the usual letters quoting “Please get in contact so we can discuss the matter and we can reach some arrangement or pay the balance if full! Etc!” 

 

The debt itself was defaulted in January 2006 and it was defaulted again in December 2006 but whatever company purchased it. 

I fully understand a default cannot be issued twice but that is a different issue. 

no payment or acknowledgement has been made by me since October 2005 so the debt is long Statute Barred!!

 

I am fully aware of how some debt collectors behave with their tactics but recently I have experienced a new tactic (new to me anyway) from Capquest.  This company has for the past month been sending a letter a week and about 3 text and phone calls a week!  All text and phone calls ignored of course.  

 

But i received a text yesterday quoting “Hello, you have a letter waiting for you, please click the link to view it”.  This takes you to Capquest’s website and asks you to confirm your details before you can view the letter.  Naturally I won't be doing this!  What I would like to know is this some sort of backdoor CCJ trick by Capquest?

 

Could be a possible “ Letter of claim” and yet Capquest hopes I don’t respond or defend it by ignoring this latest text? 

Has anyone received this kind of text before?

 

I am under the assumption that all Letters Of Claims or CCJ’s must be still sent via post? 

the Statute Barred letter was sent to the company today.

 

Thank you in advance for any advice or experience from Capquest!!!

 

 

[dx100uk]

had to remove you text as it obv shows ref numbers

we dont need it anyway

yes you've done right

 

send 'em the SB letter.

[scratconsumer]

Thank you dx100uk.  I thought that after I posted the attachment and was about to edit it so thank you for removing it.  Thought it would be the standard SB letter.  Thank you for your advice

  

[FTMDave]

Open.