Cabot Threatening to send ResolveCall 27 October 2020 at 1:29PM in Debt-free wannabe 8 replies 1.3K views

WiZeR

Hi all
Today I received a letter from Cabot telling me that, as I have not responded to any of their communications, they are sending ResolveCall to my house.  
The debt is from an old credit card.  I have no records of when I last communicated with anyone about it, but it must be right around the 6yr mark.  Oddly, this debt does not show up on my credit file, as far as I can see.  I've tried multiple credit checks and nothing comes up.  Although, I'm not disputing it's validity. 

What are my rights with Cabot/ResolveCall?
Is the fact that they are going to turn up at my door going to reset the 'statute barred' process?
Due to a slightly odd living situation, I won't be able to just not open the door.  But can I just tell them to leave and not aknowledge them at all?
I do understand that they are not bailiffs and can't impose anything themselves.

[Deleted User]

If they turn up at your door, this does not reset the 'statute barred' process. Tell them to do one. Sounds like it may be statute barred already.

WiZeR

Thank you.  It's tricky, because I have no records of the last time I contacted them or made a payment.  My bank statements only go back to 2015.  My gut feeling is that it must be right on the cusp of tipping over the 6yr deadline.  As I have not heard anything about this debt for years and now they are sending a letter a week and texting me constantly.  As I'm sure they are well aware, I don't want to risk a CCJ, so I have to be clever.  I might have to wait as long as I dare and then send the prove it letter.

RAS

Hi
Firstly relax, any caller has the same right to enter your house as the milkman.

Secondly, if they want to get a CCJ, they need to send you the relevant court papers, to which you can respond with the prove it letter. Since they have your current address if they try anything cute (using an old address), you can get it overturned anyway.

Given what you say about the sudden flurry of letters, it's possible they know that the last payment was nearly 6 years ago and want to panic you. 

fatbelly

WiZeR said:

Hi all
Today I received a letter from Cabot telling me that, as I have not responded to any of their communications, they are sending ResolveCall to my house.  
The debt is from an old credit card.  I have no records of when I last communicated with anyone about it, but it must be right around the 6yr mark.  Oddly, this debt does not show up on my credit file, as far as I can see.  I've tried multiple credit checks and nothing comes up.  Although, I'm not disputing it's validity. 

What are my rights with Cabot/ResolveCall?
Is the fact that they are going to turn up at my door going to reset the 'statute barred' process?
Due to a slightly odd living situation, I won't be able to just not open the door.  But can I just tell them to leave and not aknowledge them at all?
I do understand that they are not bailiffs and can't impose anything themselves.

It probably doesn't show because it's over 6 years since default.

I doubt anyone will actually call. If they do, they'll just put a postcard through. No-one wants a face-to-face in the current climate.

Although  you're not not disputing it's validity, you must be careful not to acknowledge it - that can only be done by payment or in writing.

The time to assert it's statute barred would be if they start any court action. Until then, safest to just ignore.

sourcrates

Agree with above, no one is making house calls right now, and resolvecall can be ignored anyway.

Look on youtube on how to deal with them, but don`t be too harsh, they are just self employed collectors trying to scratch a living, they only get commision mostly you see, must be tough for them right now, i can see doorstep collectors becoming a thing of the past if this current situation carries on.

JamieJ89

I had resolvecall visit my house a few weeks ago, for a debt the prior tenant owed. Anyway, they said they was coming (the letter said they would comply with current COVID rules and social distance) and in actual fact they did - what was weird though, was that they never knocked just posted a card through the letterbox urging me to contact their office. Why send someone all the way to my house, just to post a letter when they could have just posted it themselves via Royal Mail. Weird.

fatbelly

JamieJ89 said:

I had resolvecall visit my house a few weeks ago, for a debt the prior tenant owed. Anyway, they said they was coming (the letter said they would comply with current COVID rules and social distance) and in actual fact they did - what was weird though, was that they never knocked just posted a card through the letterbox urging me to contact their office. Why send someone all the way to my house, just to post a letter when they could have just posted it themselves via Royal Mail. Weird.

Yes - that's what I think is happening. 

The self-employed collector gets contracted to do a site visit.

Easiest thing is to report back that they weren't in - posted a card.

WiZeR

Thanks Everyone