Resolva-call

Vaughfitz

I have some old debts over 20 years which have been sold on last payment made is coming up to six years ago, I have had a letter put through my door from Resolve a call, I did not think a third party could do this, I do not wish to discuss my finances with anyone, the debt is not large and has nothing to do with these people, or indeed the debt agency who bought it, I though it was a breach of some act to just turn up at a door, can I have any advise please, many thanks

sourcrates

No, no breach of anything, collection activity can take many forms, and is perfectly acceptable as long as guidelines are adhered too.

Resolvecall are one of the last door knocking DCA`s out there, but they are just common a garden debt collectors, you do not have to speak to them, you do not have to answer the door, you can ignore them at your leisure.

You say you have some debts, how many ?

How close to being statute barred are they ?

Vaughfitz

They will be at 6 years by about April, I feel they are going all out with constant letters and now the Resolve a call, this is the second time they have been round to visit me, and the last time I posted a note back to them as suggested by this site that they will be in breach of the DPA/GDPR which worked until this time when they called and left a note

Vaughfitz

two are old store cards, which have been sold on several times from at least 20 years ago, there is a CCJ which has also been sold on to Mortimer clarke solicitors whom I understand again from this brilliant site, that they are debt collectors and not a proper solicitors, as there has been no money paid to them since 2016 either

sourcrates

The debt with the CCJ will never become statute barred, but after 6 years it would require court approval to further enforce it.

Just to be clear, companies who buy debts do so on the understanding that they inherit all rights and privileges of the original creditor, but having said that, after 20 years they may find enforceability to be an issue, providing evidence of liability from that long ago would possibly be a challenge for them.

Its non of my business how you conduct your affairs, but you ask for advice in your opening post, well all I can suggest is you either engage with them, or you don`t, its your choice.