Arrow/resolvecall - old orange phone contract - visit letter.

[Not your own name]

Hi 

 

sorry if this has been done to death 

But i am in all sorts of panic & my stress levels are through the roof 

 

Last week I got a letter in the post asking about a debt from a mobile phone company from arrow global resolvecall 

& I’ve revived a second letter this week saying an agent will be making a visit to my property 

 

I no longer live at the property that is my parents house but I do still have some mail sent to the address so I’m always told when i have Mail 

 

now at first I wondered what it was as I have had no debts & my credit score Is good 

 

I looked into this abit further and it’s from orange phone contract this is a debt and my only debt I had when I was young and lost my job through redundancy, when I say young I mean as far back as 2006, I contacted orange at the time and asked if I had an option for reducing the deal or even cancelling and sending the phone back, which they said couldn’t happen, I didn’t even use the phone 

 

I had a ccj on my file for this debt as I couldn’t pay which was removed around 5 years ago, when this was removed I thought that was me starting a fresh with the file as I have not heard anything since the ccj was put on my file so about 11 years 

 

I started a mortgage application last month and for this to come up out the blue after this amount a time  is so strange & is really affecting me as I’m now worried it might have an affect on my mortgage application 

 

is this allowed? 
what can I do?

 

any help would be greatful 

 

thanks 

 

 

 

 

[dx100uk]

nothing they can do. 

if they didn't enforce the CCJ within 6yrs.

 

resolvecall are just like any other DCA..

they nor ANY DCA are BAILIFFS

and have 

ZERO legal powers on ANY debt - no matter what it's type.

 

if the commission based doorstepper does turn up

tell your parents to film them.

do not engage

tell them to leave their property and never return

else they'll call police 101.

 

are all your old addresses showing on your credit file?

 

dx

 

[Not your own name]

Thanks for the reply 

 

yes all my address are shown on my credit file, my previous address (parents) which I lived at since 6 months ago & my current rental property 

 

it just strange that all of a sudden when making the mortgage application this pops up like they have knowledge something is happening 

 

should I contract them to tell them this debt is no longer collectable or just leave them to it? 
 

thanks again

[dx100uk]

nothing you need to do other than the above. go back and read my last post carefully and ensure you understand it.

 

the mortgage co. most probably did a hard search on your file which would have alerted them there was movement in your finances.

so they are trying their luck at scamming you out of free money as you must have some to get a mortage and might be a mug that wets themselves and blindly coughs up. 

 

plenty of backdoor CCJ threads here read to get upto speed 

[Not your own name]

They did send someone out but no one was in at the time,

 

they left a note to call them and also sent me a text message saying I needed to contact them urgently 

 

 

[dx100uk]

wants you to pay for his family to go on holiday with the free money you'll NOT be giving him

 

ignore totally.

 

dx