Capquest/resolvecall Text message - old MBNA Card debt well SB'd!! - but i've moved around

[HappyDay2222]

Hi everyone,

Quote

I've received a random text message from a company called Resolvecall asking if I am the person they named in the text and 'to stop a doorstep visit I must respond yes or no to the text'.  No other information has been given but I've googled them and understand they are a debt collection agency.  I do not owe anything, have a good credit rating and the only debt I can think of goes back to 2007/2008 when I had a truly awful life event and nervous breakdown.   As far as I understood that debt was statute barred as over 6 years old and I have heard nothing for years about it.   This is now causing me a lot of worry and I do not know what to do next.   Is it best if I respond 'yes' and ask for more information? Should I contact a solicitor?  I am not a homeowner and stay with friends so do not want any doorstep visits to trouble them at their home as threatened on the text.  I've also just had a major bereavement  so this couldn't have come at a worse time to have to deal with.  Any advice would be very welcome as this has made me feel so ill and stressed.  Thank you    

I've received a random text message from a company called Resolvecall asking if I am the person they named in the text and 'to stop a doorstep visit I must respond yes or no to the text'. 

No other information has been given but I've googled them and understand they are a debt collection agency. 

I do not owe anything, have a good credit rating and the only debt I can think of goes back to 2007/2008 when I had a truly awful life event and nervous breakdown.   As far as I understood that debt was statute barred as over 6 years old and I have heard nothing for years about it. 

 This is now causing me a lot of worry and I do not know what to do next.   Is it best if I respond 'yes' and ask for more information?

Should I contact a solicitor?

  I am not a homeowner and stay with friends so do not want any doorstep visits to trouble them at their home as threatened on the text. 

I've also just had a major bereavement  so this couldn't have come at a worse time to have to deal with. 

Any advice would be very welcome as this has made me feel so ill and stressed. 

Thank you    

[BankFodder]

Please don't post solid blocks of text. It is very difficult to read especially for people using small screen such as telephones.

Ignore this company. Ignore their texts. Don't worry about it. They are fishing and this is where they make their money. They are bounty hunters

If you get a letter then come back here and tell us – but it in general, simply ignore them.

[dx100uk]

a DCA is NOT A BAILIFF

and have 

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

repost any txts to spam 7726

dx

 

[Bazooka Boo]

Report the unsolicited spam text to 7726.

Do not engage with snotcrawl 

Whatever they wish to convey can be committed in writing.

Absolutely ZERO need  for any solicitors, DCA's have no legal powers anyway, as DX says. They are NOT bailiffs, they're just wannabee bullies.

Easily seen off and made to scurry off back under the rock from whence they came.

Edited March 3 by Bazooka Boo

[HappyDay2222]

Sorry Bankfodder, I sent it from my laptop and didn’t realise that.  Thanks for making me aware. 

[HappyDay2222]

Thanks for the replies and advice.  I want to make sure though they don’t visit or harrass my friends at home.

How do I find out what they are talking about? I can’t see how I can without contacting them and asking them to put it in writing to my solicitor.

Would sending a statute barred letter be a sensible option or request for info at this stage?  

[dx100uk]

you dont need a solicitor.

i will guess they are acting for cabot as that seems to be their main client on very old sb debts, hoping the mug they pick on wets themselves and panics and makes a payment which goes directly in his pocket for his drinks down the pub later.

theres not  lot you can do to stop any powerless idiot turning up .

but it's very rare they do.

 can i guess that since those debt days you have moved from the address you took it out at?

they most certainly wont be visiting where you are now and i doubt very much the msg states that they WILL be visiting anyway, every word but WILL.

dx

 

 

[HappyDay2222]

Dx100uk - the text msg says my name then ‘your account has been passed to us for a home visit - to prevent please visit’ and then their website link.

If I click on the website link it just opens a box saying ‘we have some important information for you please confirm your identity’ then my name and a click yes or no.   

Yes I moved address 14 years ago and haven’t heard anything since.  

[dx100uk]

then their client whomever that is could get a backdoor ccj using that old address.

it cant harm you in this instance to id yourself-  in fact to the above its to your advantage

to do so.

that way you'll find out about the debt and whom their client is.

then you can send their client, the debt owner our SB letter from the debt collection library and protect yourself from backdoor litigation.

even though the debt is sb'd until they are told so their client could still launch and win by default a court claim you know nothing about.

[HappyDay2222]

Dx100uk - thank you that’s good to know.

I’ve identified myself and the details they give are relating to a debt with Mbna - purchased by Capquest who have now passed it on to Resolvecall.   

There are 2 letters I can view, one dated today from Capquest advising it’s been passed over and giving their reference number.  
The second letter also dated today from Resolvecall giving their clients (Capquest) ref number plus one of their own.  

Where do I go next from here please? 

 

[dx100uk]

good thats prefect.

simply send capquest our sb letter by ROYAL MAIL 2nd class stamp willl do , get free proof of posting from any po counter.

make SURE you either staple a copy of one of capquests letters to the sb letter or quote both capquest erf number and the mbna card number on it. (if given)

thread title updated.

moved to mbna forum.

 

[HappyDay2222]

dx100uk - thank you I will do that.  
As I don’t recognise the debt can I state that on the SB letter? 

[dx100uk]

immaterial it's sb'd regardless.... unless someone has done ID theft on you. but as you say its not on your credit file then not likely.

you've just forgotten about it.

send the sb letter as is bar addresses and ref numbers. add nothing more

dx

[HappyDay2222]

Thank you dx - appreciated.

Will update thread with any updates or responses from them. 

[HappyDay2222]

Hello DX - 

Resolvecall have written to say they have closed the account with them and passed it back to Capquest after receipt of my SB letter.

Capquest have written twice, once offering a payment plan and the second letter after receiving my SB letter saying they are looking into my complaint and will respond within 8 weeks.   

Absolutely no mention of what the debt is, was or from when or any details still. 

 Is this a case now of waiting to see what they come back with or is now the moment for me to send another letter via Solicitor please?

[London1971]

I have a debt that went SB in 2020, Capquest are still occasionally writing begging letters, i just chuck em in the recycling.

[dx100uk]

1 hour ago, HappyDay2222 said:

send another letter via Solicitor please?

so what?

just as powerless as cabot.