Resolvecall /Interum

Posey_Rosey95

Hi, 
So i've read some previous posts about resolve call, and just want to check im doing the right thing. 
It seems they're collecting on behalf of Interum.

 First contact was a text message 9th January. Addressed me by my maiden name, and stated my "account had been passed to them for a home visit, & to prevent please visit link".
 No other info, so I presumed 'scam' and ignored.

I then received a letter under the Interum header, stating they were collecting re an old bank account. I looked online and found resolve call are legit, but due to the length of time since I had that account, I also ignored the letter. 
(This bank account was closed 25 ish years ago. I moved abroad for 7/8 years in 2005, and settled back in UK in late 2013. I married in 2018, but hyphenated, so my maiden name is part of my married name).

Someone from Resolvecall visited our house last week, but we were out. They left a card asking me to contact them, but I did not. 
Ive no idea what this supposed debt is from, as I closed the account to open another, and have had nothing to doing with the first bank since. My current bank account is with another bank again, since 2012, and has been in my married name since 2018, (however I do have a less used second account, with another bank, in my maiden name, that I never got around to changing).

Am I ok to just keep ignoring resolvecall, or should I be sending a 'Provit'  letter or something?
If it was legit, would a debt from a bank account be statute barred after 20+ years?

Any advice on how to approach them if they come round again, would also be greatly appreciated. 
I don't want to engage but Im neurodivergent,  and can get flustered when im put on the spot. 
Thanks x 

sourcrates

Intrum specialise in buying up large portfolios of old debts, long since statute barred or that are otherwise unenforceable for some reason, and try to get you to pay what they say you owe.

Its not a scam, but close to it, the limitation act only takes away a lenders right to take legal action, the debt, however old, is still collectable, but if 6 years or more have passed since default or last payment, the debt will become statute barred and you won`t have to pay it, they play on the legal interpretation of the act, and hope you don`t have internet access lol.

If you have an address, send the prove-it letter, don`t deal with it at the door, there is a hybrid version in the stickies that denies liability and also states it would be statute barred anyway, might be wise to send that version.

RAS

In England and Wales, a debt that is not paid or is defaulted becomes unenforceable through the courts after 6 years. 

But it still exists, whilst in Scotland it is extinguished.

Intrum may write telling you it is statute barred but still "collectable". There's been the odd occasion where a debt collector has managed to get  CCJ against a debtor even after the debt became statute barred, because they sent court papers and the "debtor" did not defend the case.  Advising the creditor that the debt is statute barred is a full defence.

Posey_Rosey95

sourcrates said:

Intrum specialise in buying up large portfolios of old debts, long since statute barred or that are otherwise unenforceable for some reason, and try to get you to pay what they say you owe.

Its not a scam, but close to it, the limitation act only takes away a lenders right to take legal action, the debt, however old, is still collectable, but if 6 years or more have passed since default or last payment, the debt will become statute barred and you won`t have to pay it, they play on the legal interpretation of the act, and hope you don`t have internet access lol.

If you have an address, send the prove-it letter, don`t deal with it at the door, there is a hybrid version in the stickies that denies liability and also states it would be statute barred anyway, might be wise to send that version.

Thank you, I wasn't sure if they'd just give up eventually?,  if they couldn't prove they'd found me. Also wanted to avoid letting them know I do live here, or engaging, but if the letter template also informs it should be statute barred, I'll send it off asap. 
Thanks for your help. x

Posey_Rosey95

RAS said:

In England and Wales, a debt that is not paid or is defaulted becomes unenforceable through the courts after 6 years. 

But it still exists, whilst in Scotland it is extinguished.

Intrum may write telling you it is statute barred but still "collectable". There's been the odd occasion where a debt collector has managed to get  CCJ against a debtor even after the debt became statute barred, because they sent court papers and the "debtor" did not defend the case.  Advising the creditor that the debt is statute barred is a full defence.

That's useful, thanks very much x 

Posey_Rosey95

Just an update, I sent the ‘dispute debt, and either way would be statute barred’ letter, and later they wrote to tell me that they would no longer be chasing the debt. 

Thanks again for your help @sourcrates and @RAS