Resolvecall threatening a home visit

exponential

Hi guys,

Some of you have assisted previously with my current situation which is currently manually dealing with my creditors and not offering to make any payments. All of my original debts have now defaulted and I am dealing with the likes Lowell, Link and Cabot etc.

Lowell have been great throughout the entire process which started back in May last year and Cabot have been so so.

I have received a letter from a company I have never heard of called "Resolvecall" dated 11/03/2026 who claim to be acting on behalf of Link Financial. They are asking that I get back in touch with Link Financial to come to a satisfactory resolution to my current situation.

It is now 17/03/26 so they have left me with 1 day to contact Link Financial or a home visit will be scheduled. Now I am not familiar with these guys but I will assume that it is a scare tactic to make me call Link Financial.

Can anyone assist with how to deal with this letter as my wife is extremely concerned by this development.

Grumpelstiltskin

Ignore them, if they do turn up either ignore them or tell them not today thank you.

They are only door knockers not bailiffs they can't do anything, treat them like you would unwanted religious door knockers.

Rob5342

They aren't worth a second thought. They can and do visit people at home but they prey on peoples ignorance knowing people will think they are bailiffs to scare them into paying. They are nothing of the sort and have no more power than a jehovahs witness and can be dealt with in much the same way.

What's the situation with the Link debt? You will need some plan of how to deal with that.

exponential

https://forums.moneysavingexpert.com/discussion/comment/81927288#Comment_81927288

I thought as much. The link debt is one of 9 debts outstanding which have now all defaulted.
Its bloody hard work juggling all of the letters though! I have to be honest, Lowell who hold 6 of the 9 debts have been amazing.

My situation is that I am self-employed and am barely pulling enough money in to keep a roof over our heads. My wife can't work because her dad has dementia and other things going on.
I am continuing to write to them explaining our dire situation whilst no offering anything.
At the end of the day, the are unsecured debts and I just cannot afford to offer anything at all right now.
I don't want to offer anything because once I do, I will be forever paying it back so I'm playing the long game. See what happens. Hopefully they'll eventually lose interest and write the debts off. Fingers croosed of course.

exponential

I have sent a letter to Link as they haven't been in touch for a long time and would like to prevent these horrible letters from landing at my door.

Grumpelstiltskin

https://forums.moneysavingexpert.com/discussion/comment/81929191#Comment_81929191

You can't stop every letter from being sent. The law states that a Letter Before Action has to be sent to you by snail mail, so be careful .

RAS

You need to stop engaging with them in writing.

These debts will fall off your credit record 6 years after the default was issued.

And some of them might become statute barred around the same time. Assuming you are not in Scotland, that means the debts still exist, but you can defend any legal action to recover them by pointing out the 6 year non-payment/lack of acknowledgement.

Every time you write to them, you damage your case. That letter to Link just extended the amount of time they can enforce the debt to March 2032.

Lowell may be lovely but if you are also writing to them, you have also extended the time they have to enforce the debt.

So email, text etc but stop writing.

And remain aware that you need to open correspondence from them. Your debts may be sold on in future and some creditors check for debts that are old and start legal proceeding in the last year, to prevent them becoming statute barred.

exponential

https://forums.moneysavingexpert.com/discussion/comment/81929236#Comment_81929236

Hi RaS.

I think you might be referring to my original creditors whom I did not have any contact with at all.
I just stopped paying because I ran out of funds and couldn't cope anymore.

I'm a little confused by what you are saying?

How is a written letter any different to an email or text? They are all forms of communication so the surely the same rules apply.

So you're saying that I should not respond to the letters I receive from Cabot, Lowell and the like?

RAS

Do you understand what a statute barred debt is?

It means you do not have to pay the debt off, but relies on you not paying or acknowledging the debt in writing for 6 years. Every time you write, you reset the start date.

And you encourage the creditor to chase you rather than eventually forget you, if you are lucky.

sourcrates

Anything of a legal nature must be sent by letter, not text or email.

The same applies to the limitation period, you can only acknowledge a debt in writing, you cannot acknowledge it by email/text or verbally, so yes, if your going to engage with them, do it by email, as every letter that talks about "my debt to you" re-sets the limitation clock.

exponential

Oh for god's sake. So, I've been doing this wrong from the very beginning then. Great. 🤨

So, for example, the most recent letter I received from Lowell where they are telling me my accounts are no longer on hold, by replying in writing, I am starting the entire process all over again?

So I email them instead saying the exact same thing I was going to say in the letter.
That basically my situation has not changed since our last communication?