This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
For free & impartial money advice you can visit MoneyHelper. We work with The Debt Advice Service who provide information about your options. This isn’t a full fact-find, some debt solutions may not be suitable in all circumstances, ongoing fees might apply & your credit rating may be affected.
Have you been contacted by Resolvecall? Are they threatening legal action? Or is there a planned Resolvecall doorstep visit from bailiffs on the cards? If so, this post is for you.
I will explain why the debt collector would contact you, how you should respond and the rules relating to visits by bailiffs in my post. Check out the rest of my article to learn more!
Do you have to pay Resolvecall?
You might not have to pay Resolvecall.
If you genuinely can’t afford your debt repayments then looking into whether you could have your written off might be just what you need.
If you want to find out whether you qualify for having debt written off or payments lowered then fill out the short form below.
This isn’t a full fact find, Thrifty Family doesn’t give advice. We work with The Debt Advice Service who provides information about your options.
Who is Resolvecall’s debt collection agency?
You’re probably wondering who Resolvecall is and why they’d contact you. They are a debt recovery agency that chases debtors on behalf of other companies and their clients!
Their core business is recovering ‘bad debts’ from other companies!
So when they get in touch, it’s on behalf of one of their clients who instructed them to chase you for payment because you owe money to them. All the information should be contained in their debt letter.
Check out what one person asked when Resolvecall contacted them:
Yes. Like most other debt recovery agencies, Resolvecall is regulated and must follow strict guidelines when chasing you for payment. The Financial Conduct Authority (FCA) sets out the rules that debt collectors must follow.
Moreover, there are specific laws in the UK that protect your consumer rights and your privacy. Debt collectors who don’t abide by the law would be committing an offence!
Can you lower your repayments?
If you’re struggling to pay back your debt, then you might qualify for a debt solution. Some solutions lower your monthly payments while others write off a portion of your debt.
To find out whether they could work in your situation, hit the button below.
Resolvecall has a long client list which includes the following companies and providers:
British Gas
Scottish Power
N Power
First Utility
Regional water authorities
Financial institutions
Banks
Government bodies
Why would Resolvecall contact you?
Chances are you’ve got an outstanding debt with one of Resolvecalls’ customers. Maybe it’s an energy provider or you defaulted on a loan or mortgage payment?
The debt could be quite old and you thought you were no longer being chased for it which can happen! However, debt collection agencies are tenacious and rarely give up where outstanding debts are concerned.
Should you ignore Resolvecall debt collectors?
No. Ignoring Resolvecall when they get in touch just makes matters worse when you have unpaid debts. Moreover, debt collection agencies are persistent and once they get their claws into you, they won’t go away!
Moreover, ignoring the problem could mean that you don’t establish the following:
The debt is too old to enforce and therefore a court won’t take on the case because it’s statute barred. It also means you can’t be given a CCJ!
Resolvecall is chasing the wrong person because the debt isn’t even yours!
Being offered an affordable way to pay what you owe
Having some of the debt wiped off makes it easier for you to settle
You could end up with a doorstep visit from a bailiff!
Will Resolvecall take you to court?
Yes. If you ignore the debt collector, they could advise their client to start legal proceedings against you.
This could lead to the following:
Missing a court hearing
Having a County Court Judgement issued against you and registered on your credit file
Dealing with enforcement officers (court-appointed bailiffs)
Having some of your possessions seized
Getting an attachment placed on your earnings or bank account
Can bailiffs pay me a visit at home?
Yes. If the Resolvecall client takes you to court and wins the case, a judge could instruct bailiffs (enforcement officers) to come to your home.
Plus you’d get a CCJ on your credit file.
That said, bailiffs can come to your home three times but if you don’t answer the door, they could come more often. If after three visits, a bailiff doesn’t succeed in getting you to pay, further court action could begin against you!
Why do bailiffs get involved in debt collection?
Bailiffs are court-appointed enforcement agents. They’re entrusted with specific legal powers which include recovering money owed once a court order to pay is issued against a debtor.
Bailiffs have legal powers to remove your possessions and sell them at auction to recover the money owed.
That said, a bailiff must give you seven days notice of their intentions. The seven days does not include the day the letter arrives through the post. It allows you the time to get ready and sort out a payment plan.
It means you should have time to work out an affordable repayment plan with a debt collector or the creditor.
What happens when a bailiff comes to your home?
A bailiff has the right to come to your home three times to collect on a debt. On the first occasion, they’ll note down specific assets you own. It’s the list of possessions they could seize to sell at auction to cover the debt.
The second occasion involves the bailiffs collecting the money owed. The third occasion takes place if a bailiff failed to collect on the debt on the previous occasion.
What’s the time gap between a bailiff’s visits?
Bailiffs must allow seven days between each visit. This doesn’t include bank holidays, Sundays or the day you received their letter detailing the first intended visit.
What happens when you ignore bailiffs?
If you ignore bailiffs when they visit your home, they will leave. But this doesn’t mean they won’t return at a later date.
That said, you’re not obliged to let a bailiff into your home. You can speak to them through a letterbox or an open upstairs window if you’re nervous about things.
You should lock your doors because a bailiff has the right to enter your home if a door is unlocked.
How do you respond to a bailiff’s visit?
As mentioned, you shouldn’t ignore a bailiff when they visit your home. Instead, talk to them through the letterbox or an upstairs window. Ask the bailiff to show you some identification as there are many scammers about it!
This includes unscrupulous debt collectors who may pretend they are bailiffs!
How do you know a bailiff’s ID is legit?
There have been many reports of scammers contacting people claiming to be bailiffs. Check out the information posted on the government’s own website:
An accredited bailiff has an official ID. You should ask the person who visits you which company they work for and ask them to show you their enforcement agent certificate.
However, keep the door locked and ask the bailiff to put their ID and certificate through your letterbox. You can then check to see if they are genuine by contacting:
Whether a bailiff can force their way into your home depends on specific things. For example, it’d depend on the sort of debt they’re collecting.
A bailiff can’t force their way into your property for credit card debts or any of the following debts:
Council tax arrears
Energy bill arrears
Phone bill arrears
Unpaid parking tickets
When can a bailiff force entry into your home?
Bailiffs can force their way into your home if the following reasons apply:
The debt relates to court fines/outstanding criminal fines
The debt is tax-related and the bailiff is collecting on behalf of HMRC
However, you must be shown a writ or warrant proving what’s owed before a bailiff can force entry into your home.
You should ask to see the documents without letting the bailiffs into your home. So ask them to post them through your letterbox.
You have the right to ask a bailiff to leave if any of the information contained in a writ or warrant is incorrect! For example, is the document signed and dated? If it’s not, ask the bailiff to leave!
A bailiff can instruct a locksmith to let them in your home but they can’t break down a door.
It’s worth settling the debt if you can before this happens!
How do you contact Resolvecall debt collectors?
I’ve listed ways to contact Resolvecall debt collectors in the table below and I’ve included the phone number they use to call people on too:
You should seek advice from one of the charities if you’re experiencing financial hardship and not sure what to do when Resolvecall contacts you. The charities provide free help and debt advice which could help you through a stressful situation.
I’ve listed three of the main debt charities here:
Thanks for reading this post. I hope the information contained in the article helps you cope with a Resolvecall doorstep visit from bailiffs so the experience is less stressful.
My name’s Janine, and I’m a mum of two who’s always been passionate about trying to cut down spending costs. I am now sharing as much financial knowledge as I possibly can to help your money go that little bit further.
How to beat Resolvecall debt 