ResolveCall Limited – A Guide On How To Stop Debt Letters & Enforcement Action
Resolvecall Limited are a debt collection agency with over 25 years’ experience across several sectors in the UK. Resolvecall collect outstanding balances on behalf of their clients who work in areas such as banking, financial services, government, and utilities.
- Authorised and regulated by the Financial Conduct Authority (FCA)
- Members of the Credit Services Association (CSA)
- ISO/IEC 27001 certificated for Information Security Management
Why Are Resolvecall Contacting Me?
Resolvecall are a debt collection agency – this means they are employed by companies to recover money you owe. If you’re wondering why you’ve never heard of Resolvecall before, it is because your original debt was with their client. You should be given the details of your debt on Resolvecall’s correspondence.
Resolvecall provides secured mortgage arrears visits for UK banks, as a fully authorised FCA firm with Mortgage Administration permissions. They also deal with unsecured debts like personal loans.
Resolvecall work within the financial services sector with clients in insurance, retail, mail order, motor finance, and short-term lending.
Resolvecall is a provider of debt recovery services for a range of government bodies, primarily working to re-establish customer payment plans.
Resolvecall has been working with energy companies for over 20 years. Their agents deal with things like visiting you if you’ve been threatened with disconnection for non-payment of energy bills.
If you don’t pay for your gas or electric, your supplier might warn you that you will be disconnected and send Resolvecall agents to discuss a payment arrangement.
In reality, disconnections are rare as most suppliers will offer to install a prepayment meter instead, whereby you pay in advance for your energy usage. There are also restrictions on who can be disconnected and when.
Resolvecall also work with a number of water suppliers. If you don’t pay your water bill, your supplier can’t just cut off your supply, so debt collection agencies play an important role in recovering arrears, before a supplier is forced to take court action.
Can I Ignore Resolvecall?
Receiving communications from a debt collection agency is a sign that you have a debt problem which needs addressing. Ignoring Resolvecall will not make them go away, and could lead to you owing more money. Ultimately, failing to pay your debt could cause legal action to be taken against you by your creditor.
But I Can’t Afford To Pay?
If you genuinely can’t afford to pay, say so. Contact Resolvecall and explain your circumstances – Resolvecall may allow you to set up a payment plan to pay by instalments instead.
Most debt collection agencies and their clients will consider coming to a payment arrangement if you are unable to clear the debt in full. If you are able to agree a payment plan, you could benefit from having any further action against you suspended while you meet affordable monthly repayments.
Know What You Can Afford
Before committing to a payment plan, it’s vital that you know what you can afford. Debt collection agencies are interested in recovering as much of the debt as possible, as quickly as possible.
You could land yourself in further financial trouble if you agree to pay more than you can manage, then default on your repayments. You should work out a household budget before entering into an agreement with Resolvecall.
Working out a budget is a simple way to ensure you can manage debt repayments. It allows you to see all your income versus expenditure, and sets out your costs of day-to-day living. When making a budget, you need to consider:
- Rent/ mortgage
- Council Tax
- Buildings/ contents insurance
- Gas and electric
- Housekeeping and groceries
- Child maintenance
- Phone and internet
- Vehicle running and maintenance costs
- Dental/ optical/ healthcare/ prescriptions
- Home repairs/ emergencies/ sundries
Once you’ve worked out a budget, you’ll be able to see what you have left over to pay towards your debts. This stands you in good stead when making an offer to the debt collection agency.
A budget should cover day-to-day bills and spending for a basic, but comfortable, standard of living – you shouldn’t be including a holiday and luxury clothing fund, just the essentials.
What Power Does A Debt Collection Agency Have?
There is often confusion over the powers a debt collection agency actually has, but they can do nothing more than your original creditor. Debt collection agencies like Resolvecall have no additional powers, and are simply employed to take on the responsibility of chasing you for payment.
Businesses employ debt collection agencies to save them the time and staffing costs of chasing individuals for payment.
Resolvecall can send you letters, texts, call you or send an agent to your home to discuss debt repayment with you. They are not the same as bailiffs.
Resolvecall call their field agent visits ‘reconnection visits’ – you do not have to let them into your home and, if you do, they must leave if you ask them to.
Debt collection agents are not allowed to remove your goods or mislead you about their powers. If field agents turn up at your home, you could ask them to put everything in writing instead.
I Need Debt Advice
When you start receiving communications from a debt collection agency like Resolvecall, it can be a warning sign that your debts are getting out of hand. You may have one debt which you can’t afford to pay, or this may be the first of many.
If you are worried about your debt situation, it is important not to struggle with it alone. Scottishtrustdeed.co.uk can help.
We have debt specialists who can help you with a number of debt management solutions, so you can start looking forward to a debt-free future.
How To Make A Complaint
If you think you have been treated badly by Resolvecall, you can make a complaint. You should put your complaint in writing and send it to Resolvecall.
By email: [email protected]
By post: Complaints Team, Resolvecall Ltd, Spectrum House, 55 Blythswood Street, Glasgow, G2 7AT
If you are not satisfied with the outcome of your complaint, you can refer it to the Financial Ombudsman Service or the Credit Services Association.
Financial Ombudsman Service, Exchange Square, London, E14 9SR
Credit Services Association, 2 Esh Plaza, Sir Bobby Robson Way, Great Park, Newcastle Upon Tyne, NE13 9BA
Without a court order, absolutely not. Neither Resolvecall or any other debt collection agency nor a debt collector is considered a court-appointed bailiff. Resolvecall may visit the address of a debtor but cannot enter the dwelling without the consent of the resident.
Write to Resolvecall to Request them to Stop Contacting You (If That’s What You Want) Under the FCA guidelines, if you request that a debt collector stop contacting you completely, it must do so (with a few exceptions). Your request must be in writing. You can use the ‘prove the debt letter’ to do this.
If you owe money to Resolvecall and you don’t pay, you can be sued. If Moorcroft sues you and wins, the court will enter a judgment (also called an order) against you that says you must pay back the debt. But if all your money and property are protected, then creditors cannot take them from you.
You should make Resolvecall aware if you have circumstances which make you vulnerable. Vulnerability includes recent bereavement or separation, as well as things such as disability, mental health problems, and physical illness.
Being vulnerable does not mean you won’t have to pay, but Resolvecall will have to treat you appropriately and fairly and take your situation into account.
You should seek advice from scottishtrustdeed.co.uk if you’ve been contacted about a debt from years ago, because it may be too old to be collected. Some debts over six years old are ‘statue-barred’ meaning the creditor has run out of time to take action against you to make you pay.
A debt collection agent can’t remove your goods, but your credit could take court action against you if you don’t make arrangements to repay your debt. If this happens, you could end up with bailiffs taking control of your goods further down the line.
No, you do not have to let debt collection agents into your home – they are not the same as bailiffs and can only enter your home if you invite them in.
Services Offered By Resolve Call: Consumer Debt Collection, Business to Business Debt Collection, Court Action, Status Enquiries / Company Searches, Utility Debt Collection, Other, Collector Accredited, Consumer Regulated Debt, Consumer Non-regulated Debt, Field Collections