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Mickeyn54
Posts: 10 Forumite

Hi everyone, quick question, had a card/letter through my door yesterday from resolve call regarding a debt that was in a previous name. I haven’t been that name for over 12 years. I haven’t had no correspondence from them until the card came through my door yesterday. Surely this is statute barred? My credit file does not show any debts. how do I proceed with this? Many thanks
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For written communications, the safe response is to send a prove-it letter as found in the stickies.
Yes, it'll be statute barred and unenforceable and would have dropped off your credit file six years after the default. There has probably never been any court action.
But just get them to explain to you in writing what this is.
There is a flurry of activity on these sort of debts at the moment ahead of The FCA Consumer Duty that comes in at the end of July1 -
Thank you I’ll do that now 👍🏻🙂0
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If you do a search on here for "Resolvecall" there are lots of posts on how to deal with them.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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sourcrates said:If you do a search on here for "Resolvecall" there are lots of posts on how to deal with them.
Thanks for your email.
Due to the age of the file we would be unable to obtain any evidence, for this reason we have closed the file and returned this to our client. There will be no further contact from Resolvecall regarding this matter.
Are you still looking to make a complaint? If so, can you please advise on the nature of your complaint?
Kind Regards
Complaints Team
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Another win win 🎊🙌🏻0
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That's a result.
I think part of the FCA Consumer Duty will be that debt buyers must not ask for payment on a statute barred debt without making it clear that they know the debt is statute barred.
As things stand though, there's not really anything to complain about1 -
Mickeyn54 said:Another win win 🎊🙌🏻I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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