Capital Resolve!? Help!

Danrobinson7

Hi

I've had a letter to contact capital Resolve based on my name and date of birth linking to my address. I've checked both experian and noddle and there is nothing on there which would link me to this company or an outanding debt.

Has anyone dealt with them? Is this a bogus letter? I know my name, DOB and mothers maiden name is on the UK database and accessible.

Really scared!

Arleen

Hey there!

The fact that there is nothing on your credit file doesn't mean that there is no debt, if it was with your old address details then it may not have been picked up on your file or even reported yet to the CRAs by the lender.

From quick google they look like a legit company, but caution is always health. So best course of action is to give them a call (which is most likely what they asked for in the letter) and ask them to send you a hard copy of what is owed and to whom. And when you will get that you will know what/when/to whom the debt is and can proceed from there.

GingerBob_3

Arleen wrote: »

Hey there!

The fact that there is nothing on your credit file doesn't mean that there is no debt, if it was with your old address details then it may not have been picked up on your file or even reported yet to the CRAs by the lender.

From quick google they look like a legit company, but caution is always health. So best course of action is to give them a call (which is most likely what they asked for in the letter) and ask them to send you a hard copy of what is owed and to whom. And when you will get that you will know what/when/to whom the debt is and can proceed from there.

No. Standard practice in this sort of case is NOT to contact the scum by phone. Do everything in writing. DO NOT disclose any personal details that they may not have, and demand that they prove he debt.

GingerBob_3

Just had a poke around the Capital Resolve website. Found this gem:


We combine in-house designed systems and cutting edge technology platforms with multi channel recovery strategies that are supported by a highly ethical and industry leading compliance framework.

:rotfl:


This translates to:


We have a list of targets in an Excel spread-sheet and we harass them by phone, if we have their number.


I'm thinking of of nominating them for the gobbledegook-bulsh1t-business-speak award.

Arleen

GingerBob wrote: »

No. Standard practice in this sort of case is NOT to contact the scum by phone. Do everything in writing. DO NOT disclose any personal details that they may not have, and demand that they prove he debt.

That is sone A level hostility, you know that just because soneone collects debt for a living it doesn't make them any less of a human, right?

And of course you can stick your head in the sand and nut talk to them, it is one of the options. Question is what will this option accomplish?
If OP got the letter i think he got, where they are seeking to confirm that he is the person XYZ, then it means they cannot be sure they have correct contact details and subsequently they are not in position to discuss it with him debts of XYZ cannot be discussed with non-XYZ person.

But if he gives them a call, verifies that he is the person XYZ then he can also demand proof of the debt. If on the other hand he ignores them. Well, not being able to discuss the debt won't stop them from filling in court with last known address of person XYZ, and then something that potentially can end with couple phonecalls/letters, will now become a court case. A case about which
you may not know if the last address is not your current one.

So yea, give them a call.

robber2

I suggest you give them a call from a blocked number or payphone. Ask them to confrim what the debt is, acknowledge nothing and whatever you do dont give them a honme, work or mobile number. Also dont tell them where you work as they may try calling you there.

good luck