Resolve call & ACI help

sourcrates

If it gives you piece of mind, then yes, honestly these people are not worth all this effort on your part.

nottinghamshirelad

Thanks for your help,  you've been brilliant, im just worried that they'll some how get a ccj or something against me, also my partner wasn't with me when I got in to all this and I dont want her worrying about doorstep visits etc.

Thanks again 🙂

Grumpelstiltskin

Look CCJs don't just appear out of thin air, you get a letter before action with a form to fill in and return within 30 days, if and it is a big if you get one come back for more help. door knockers have no authority, just either ignore the or tell them to go away.

nottinghamshirelad

Thanks but as ive changed address over the last 15 years im worried that they can just send to a previous address and i would  never know? (I last moved about 8 years ago)

Grumpelstiltskin

Have you received any letters from them at your current address? 

nottinghamshirelad

Grumpelstiltskin said:

Have you received any letters from them at your current address? 

Yeah, but im not sure exactly who I owe money to.

I've had a few letters over the last 12 months I think, but i just ripped them up as I thought it was statute barred and didn't need to respond but now after reading the forums am concerned that I did the wrong thing - my current address is on my credit report etc 

RAS

Can you check all three credit reports to make sure

If any debts are listed and any default dates
If my CCJs are listed

nottinghamshirelad

RAS said:

Can you check all three credit reports to make sure

If any debts are listed and any default dates
If my CCJs are listed

Checked all 3 and no debts, defaults or CCJs listed 

All three have my current address too.

Grumpelstiltskin

nottinghamshirelad said:

RAS said:

Can you check all three credit reports to make sure

If any debts are listed and any default dates
If my CCJs are listed

Checked all 3 and no debts, defaults or CCJs listed 

All three have my current address too.

OK So put this out of your mind now, but should you receive any more letters read them and come back if you are not happy about them.

DankVielen

nottinghamshirelad said:

I sent a statute barred letter, which was delivered at the start of this week, but ive just had a letter posted by hand with a hand written start of the letter stating to contact them. What do i do next, just wait for a reply? As they've only had my letter a couple of days?

Also I found an old letter from the end of last year which had the same reference to a text message I received from opos this last week that I didn't respond to should I send a statute barred letter to them aswell? Or wait ive not had a letter from them in 6 months?

Panicking a little bit at the moment so will appreciate any help

Thanks in advance

Commission only scavenger, never respond to such leeches.

I suspect that you have a Statute Barred debt that Intrum has bought after scraping information from Capquest Database.

Their M.O. for me was to set Capquest as the Debt Management company who then instructed OPOS, they were on the case for 3 to 6 months and then fired only to be replaced by Perch Group Leeches. Perch start with two letters from ACI, then they escalate to their own Perch doorstepper Perch Verify Ltd, who send a letter saying they wanted to come around for a cup of tea or something stronger and if I did not contact them within 7 days they would come along.

They had different dates within the ACI letter and so on one hand they have passed the 7 days or they will this month.

The Perch Verify letter was not dated, in fact it seems to me that Perch Verify is just a letterhead and a limited company structure (WITH CHARGES) because it's filings at Co House show any accounts are done by parent company and you can be your own judge on the state of those published accounts.

The whole Perch Verify communication is to get you to call Perch ACI, they say they have been instructed by ACI, they ask you to contact ACI within "7 days from the date of this letter" the letter is undated!

As for the scavenger leech it would not surprise me if they subcontracted the doorstep activity to ResolveCall.

A few interesting things:

They say

"Our field agents are specially trained and approved (BY WHOM) individuals who visit customer properties with the aim of verifying their place of residence and putting the customer in contact with our client

So they are not even there to collect

They even say

"The purpose of the visit is to offer you a further opportunity to contact our client to discuss the repayment of your outstanding debt and hopefully, resolve the matter amicably."

So it is all about the usual nudge nudge nudge pressure pressure pressure enforcement activity which in both of our cases is not allowed under FCA CONC rules for Statute Barred Debt.

I wonder if I should start talking about myself in the 3rd person to sound more official like!

I am considering whether it is better to just record them using my video doorbell and posting that on YT or whether I should make a monty python sketch over the doorbell. Perhaps deny that the person lives here and when they ask my name say it is Mr Barred, initial S.

As for your partner, explain that an old debt has risen from the dead and she is not to let anyone in and should not open the door to anyone without a chain or even at all if she is not expecting someone.

Have her watch this video of resolvecall, the guy himself can't keep a straight face!

https://www.youtube.com/watch?v=61DsmmQozhw

I am still not clear whether you have two different debts but considering the MO I think it is probably one and the source is probably Intrum via Capquest.

It is worth WARNING YOU that at the end of the verify letter it will have an email, 0987654321@aciuk.uk that number is your 7 digit account number, so it identifies you, therefore do not use it