Resolvecall letter

goldmirror1

Hi all

I've had a letter from Resolvecall advising they're acting on behalf of Intrum (never heard of either) to collect a debt owed to Halifax.

The account in question is probably 15 years old, and doesn't even show on my credit report, nor have I ever had a CCJ for this. 

The letter states that they will be visiting my house to discuss this debt. Just wondering if the statue barred letter I've seen linked in posts would be useful here, or have I got the wrong end of the stick reading previous posts? I've most certainly not discussed this debt with any agencies in the last 6 years, I was living abroad for a few years and then moved back 5 years ago but as far as I know haven't had anything since coming back.

Thanks so much for any help offered.

RAS

Yours is the fourth such query in the last couple of hours. Send the prove it letter.

goldmirror1

RAS said:

Yours is the fourth such query in the last couple of hours. Send the prove it letter.

Sorry couldn't see anything more recent than December when I was looking but I did get a bit lost navigating the site 😂 sounds like they've been busy buying new debts then.

Should I send the statute barred letter too? And do I send to both agencies?

Thanks so much for your help, I'm on mat leave on 0 pay so definitely don't have a carrot to give them!

RAS

Send the prove it to Intrum. In several instances people using statute barred letters have been advised that a small sum was paid with the last 6 years or that a CCJ taken out for which there is no evidence.

goldmirror1

RAS said:

Send the prove it to Intrum. In several instances people using statute barred letters have been advised that a small sum was paid with the last 6 years or that a CCJ taken out for which there is no evidence.

Ah really! Ok thanks, will do. And this might be a daft question but what do I do when they do 'prove it'? Is that when I'd send the follow up statute barred letter?

RAS

In order to prove it, they need to provide evidence of the original debt and evidence of payment or CCJ within the last 6 years. If they have both of those, you can't use the statute barred defence.

If you wan't to double check, you can get all three credit records for free. If it's on one of those come back for more help.

goldmirror1

RAS said:

In order to prove it, they need to provide evidence of the original debt and evidence of payment or CCJ within the last 6 years. If they have both of those, you can't use the statute barred defence.

If you wan't to double check, you can get all three credit records for free. If it's on one of those come back for more help.

Thank you so much, you're a star. I'll send the letter tomorrow and check all the records but I'm sure it's not on there as I only got my mortgage the year before last and it was never mentioned 🤞

sourcrates

These companies buy up very old debts that are either statute barred or unenforceable for other reasons that have been sat on some 3rd parties books for years gathering dust, in the hope that once contacted, the debtor will just pay up.

This strategy can work sometimes, this is why you should always ask for proof of the debt when they send a demand for payment.

Unfortunately due to the way the law works in England and Wales, they are doing nothing wrong.
In Scotland the law is much more debtor friendly and statute barred debts are not allowed to be chased after they are extinguished.

goldmirror1

sourcrates said:

These companies buy up very old debts that are either statute barred or unenforceable for other reasons that have been sat on some 3rd parties books for years gathering dust, in the hope that once contacted, the debtor will just pay up.

This strategy can work sometimes, this is why you should always ask for proof of the debt when they send a demand for payment.

Unfortunately due to the way the law works in England and Wales, they are doing nothing wrong.
In Scotland the law is much more debtor friendly and statute barred debts are not allowed to be chased after they are extinguished.

Thank you for your help, hopefully this letter gets rid of the cheeky swines, I'm not answering my door until they reply 😂

Grumpelstiltskin

There is no problem in answering the door, just imagine they are telling you all about their religion, you can say 'Goodbye I don't believe in your religion'.

vcairns77

Hi I am having the same issue but as far as we know there is no debt to Halifax, please could someone point me in the direction of the “prove it” letter … and do I send this to resolve all or Intrum please ?