Capquest / resolvecall

vista20

Hi all,

I have had a letter from Capquest today stating they have passed an account to resolvecall. This is regarding an old credit card debt from 2002/03 which I have heard nothing about for over 15 years.

They tried to call me last week and sent a text today regarding a prospective home visit. How they got my number I dont know, probably off my credit file as my phone is in my other halfs name.

What is my best course of action regarding this? Await a visit even though they have no legal powers at my door or send a SB letter. Im not ringing or logging into their portal.

Your help would be appriciated

Regards

fatbelly

I would send a prove-it letter.

See what comes back. 

Provided it is as straightforward as you think, then send the statute barred letter.

vista20

Thanks for the reply fatbelly.

Is the prove it on a sticky?

Also is it common for them to chase a debt that old? I am not aware of any ccj back then that was attached to the account so if not why chase a debt that is SB? 19/20 years old.

I also claimed back ppi in 2019 but as i read that would not have counted in me acknowledging the debt is this correct. Sorry for all the questions.

sourcrates

Lots of people are unaware of the limitation act, and that bad debts are only enforceable for 6 years, companies such as this prey on that lack of knowledge, in the hope of getting a payday.

Capquest appear to specialise in chasing such accounts, and use Resolvecall as the collection tool, you may be surprised to learn how many people just pay up without questioning their liability.

You should always question everything.
The account would already have been statute barred by the time you made the PPI claim.

fatbelly

Thanks to sourcrates all the resources you need are in the stickies

vista20

Thanks again all,

Im sending the letters today, so sending the prove it letter first will see what they have regarding the account? Do I need to send anything else with it? I did find the prove it letter but the link was broken. 

sourcrates

vista20 said:

Thanks again all,

Im sending the letters today, so sending the prove it letter first will see what they have regarding the account? Do I need to send anything else with it? I did find the prove it letter but the link was broken. 

No, the provit letter simply asks for evidence of liability, without actually acknowledging anything.

Link works fine for me ??

Oakley99

Hi Vista, What happened next? I’ve just had a similar text from resolvecall saying they’ve passed it to a house visit. 

EssexHebridean

Oakley99 said:

Hi Vista, What happened next? I’ve just had a similar text from resolvecall saying they’ve passed it to a house visit. 

You can see if the OP of a thread has ever posted further on the subject by tapping on their name and looking at the bottom of the box that pops up showing their initial profile data, then on “comments”. In the case of this one, they’ve not been active on here for months I’m afraid.