Who are Resolve Call? #
Resolve Call is a debt collection company based in Paisley, Scotland. They contact people who owe money—often for things like loans, credit cards, or utility bills.
They work with banks, lenders, and utility companies to recover unpaid debts. Sometimes this is for the original lender (a “primary” debt), or for a company that’s bought the debt later (“secondary” debt).
They use tech to trace people and offer ways to settle what’s owed.
They say their agents are trained to be professional and respectful when speaking with customers.
Will Resolve Call come to my house to collect debts? #
As a debt collection agency, Resolve Call may appoint field agents to make home visits to discuss the alleged debt. These visits can be very distressing for the debtor and the entire family, but it is important to understand that Resolve Call is involved to help resolve the issue. They may also charge for these visits, which increases how much debt you owe.
Resolve Call’s methods of recouping money can have a negative effect on your mental and physical health. You do not have to face them alone; you can appoint a debt advice company to represent your interest.
As a long-established independent debt services website, we have a vast experience of dealing with creditors such as Resolve Call. We make it our responsibility to support individuals who are experiencing their tactics and threats with the debt help they need to get their financial situation back on track.
How will Resolve Call chase me if I don’t pay? #
The letter from Resolve Call generally outlines two or three next steps, typically issued by Resolve Call Solicitors if you fail to repay the debt within this tight deadline
Can Resolve Call take me to court? #
Yes. Resolve Call may proceed with litigation through the courts as a last resort if you do not answer their calls or other communications, or if they are unable to agree on a payment plan with you.
Common Complaints and Tactics #
Many customers have raised concerns about Resolve Call’s methods, accusing the company of using aggressive tactics. Some have reported home visits where agents ask for personal details, which can feel invasive and intimidating. Others have received threatening texts and calls, even when they have a payment plan in place.
There have also been instances where Resolve Call has targeted disabled individuals with statute-barred debt, and some customers have been contacted through doorbell cameras. These practices can cause significant distress and highlight the importance of knowing your rights and how to protect yourself.
Protecting Your Account #
To safeguard your account from potential scams, it’s crucial to exercise caution when dealing with Resolve Call or any debt collection agency. Here are some essential tips:
-
Verify Identity: Always ask for the name, job title, and contact details of the person contacting you. Confirm their identity through the company’s official channels.
-
Check Legitimacy: Visit the company’s website and verify their contact details to ensure they are legitimate.
-
Be Wary of Unsolicited Contacts: Be cautious of unsolicited calls or visits, especially if you have already settled your debt or have a payment plan in place.
-
Secure Your Information: Keep your account details and personal information secure. Do not share them with anyone unless you are certain of their identity and legitimacy.
We are one of the largest debt websites in the UK and pride ourselves on dealing with a high amount of debt related queries in an empathetic, effective and speedy manner.
What rights do I have against Resolve Call? #
Resolve Call can not harass you. They contact you as many times as they want as long as this is ‘reasonable’. What we define as reasonable does not have any concrete definition, but simplistically this means that you should not feel harassed by them.
You cannot use their collection methods as a defence to avoid repaying your debt, but you can ask the company only to contact you in writing. If you take this approach, you must be responsive to these letters. If you feel harassed, you can log a formal complaint with the company to document your grievances.
Resolve Call cannot speak to your family, friends or neighbours about your debts. This procedure is in line with UK data protection laws.
Resolve Call cannot pretend that they have powers which they do not possess. In the past creditors have used documents that appear to be official court documents. A law is now in place to prevent this from happening.
Resolve Call cannot threaten you, abuse you or tell lies to collect your money.
Scam Warning Signs and Reporting #
If you suspect that Resolve Call or any other debt collection agency is attempting to scam you, be on the lookout for these warning signs:
- Unsolicited Contacts: Unexpected calls or visits from debt collectors.
- Threatening Behavior: Aggressive or threatening communication.
- Requests for Personal Information: Demands for personal or financial details without clear justification.
- Unclear Debt Details: Requests for payment without providing clear information about the debt.
If you believe you have been scammed, report the incident to the Financial Ombudsman Service (FOS) or the Financial Services Compensation Scheme (FSCS). you can contact the police or your local trading standards office for further assistance.
Regional Considerations #
Resolve Call operates throughout the UK, including Northern Ireland. If you are an account holder in Northern Ireland, here are some important points to consider:
- Address: Resolve Call’s address is 1 Smithhills Street, Paisley, PA1 1EB.
- Regulation: The company is regulated by the Financial Conduct Authority (FCA) and must comply with UK laws and regulations.
- Concerns and Support: If you have concerns about Resolve Call’s activities, you can contact the FCA or the FOS for further information and support.
Note: The information provided is for general guidance only and should not be considered as legal or financial advice.
If you are concerned about your account or have further questions, please contact Resolve Call directly or seek advice from a qualified professional.
How can we help? #
Every customer we assist is asked to leave a review. Some customers have provided very detailed feedback about how they have been helped and how it has changed their lives in a short time. These reviews are your chance to see the difference!
We work with many different debt solutions as well as a large number of debt companies. You will always find the best solution for you, regardless of your situation. We aren’t tied to any company so we can do our best to make sure you only repay what you owe.
Resolve Call Frequently Asked Questions #
If you ignore your debts with Resolve Call, they have the choice of a few different approaches.
Resolve Call may make a court claim against you, which is a cheap but popular way for them to reclaim their money. If they choose this method, you will receive a claim form through the post, and you either have to pay the money in full or register a dispute. If you dispute the bill against Resolve Call, you should take legal advice, as a lot of defences will not work in this situation. A CCJ will stay on your credit file for six years.
It may be possible to write off any debts that you have with Resolve Call if you have a total of £5,000 or more of unsecured debts. Your total debt can include loans, credit cards, catalogues, payday loans, overdrafts and any other unsecured debt.
Resolve Call are a collections agency; this means that they can instigate bulk debt purchase from many sources and legally pursue customers for repayments. Some of the most common debt accounts for collections agencies are council tax arrears, parking fines, benefit overpayments, loans, credit cards, telephone bills, water and utility bills.
Resolve Call’s specific clients include Natwest, PayPal and Santander. If you do not meet the conditions of your credit agreement with these companies, they may give Resolve Call the option to buy the debt.
Resolve Call are likely only to pay a few pence per pound of debt they buy from each creditor. They make it their job, to profit on each debt portfolio they purchase from others.
Resolve Call is an appointed representative of ANDREW J FENNY & CO LIMITED which is authorised by the FCA. ANDREW J FENNY & CO LIMITED are legitimate debt payment collector company.
ANDREW J FENNY & CO LIMITED, company registration number 10874380**,** has a registered office address at 3-4 Dudley Court Manor Walks Shopping Centre, Cramlington, Northumberland, NE23 6QW.
These are the best contact details for these debt collectors are:
- Phone number: +44 1670 737393
- Online payment: http://resolvecall.co.uk/ (you’ll need your reference number for your Resolve Call login)
- Post: 3-4 Dudley Court Manor Walks Shopping Centre, Cramlington, Northumberland, NE23 6QW
If you feel that Resolve Call have not treated you fairly, or you have a complaint relating to their agent or repayment plan, you can raise your grievance in one of the following ways:
- Phone: +44 1670 737393.
- Post: 3-4 Dudley Court Manor Walks Shopping Centre, Cramlington, Northumberland, NE23 6QW
Remember to have your debt letter and file number to hand, along with full details of your circumstances.
If you are not satisfied with the response, you can escalate your case to the Financial Ombudsman Service, or the Information Commission. It’s wise to include a copy of any key evidence for your case, so someone else can easily understand your perspective.
You can typically pay your debt balance with a debt collection agency by credit card, debit card, standing order and direct debit; they accept a lump sum or part payments. You can often agree on a payment plan by registering for an online account.
If your account has progressed to a bailiff knocking at your door, be sure to confirm their identity before considering paying them or handing over items of property, and always get a receipt. The firm will likely add collection fees every time they visit, so the time to get debt guidance is now.
Alongside the support and expertise that we offer at IVA Advice, numerous independent bodies can support you with debt matters, such as National Debtline, StepChange and Citizens Advice. By just reading one article or guidelines document from the charity, you’ll see that you are not alone in this process.
Sadly debt collectors are very persistent in chasing down money. They paid another company for your debt, so they only make a profit if you make a payment that is more than what they paid, plus the operating costs linked to the debt collectors on your case.
Debt collectors may chase you for up to six years, depending on where you are based in the UK and the type of debt.
Bailiffs can only enter your home if they recovering debt linked to stamp duty, income tax or criminal fines. This should be a last resort option for debt collectors. They can only use reasonable force when entering, which generally means they should use a locksmith rather than breaking down your door.
See the table of contents for more information on dealing with debt collectors.
If a debt collection agency is chasing you, it’s likely because they believe you owe them money for a debt they have purchased from another company.
When calculating what an affordable debt payment looks like for you, it’s essential to list all of your income and expenditure and see what money you can free up for debt repayments without leaving yourself or your family without essentials.
Debt agencies have rights to take you to court, but they can’t send you to prison for not making a debt payment.
Debt companies have rights to chase your for payment for up to six years from the last point that you acknowledged the debt or made a payment, unless they secure a County Court Judgment. Otherwise, debt solutions such as an IVA are one way its possible to write off a proportion of your debt that you can not afford.
A court can issue a CCJ if a debtor fails to repay his or her creditors. It can harm your chances of securing more credit for six years. You may even struggle to secure a mobile phone contract.
In Scotland, the CCJ process works a little differently and is known as enforcing a debt by diligence.
If you don’t make a payment in full for your CCJ within 30 days of its issue then the CCJ will go on your credit report for six years. That is the case even if you repay the CCJ in full in less than six years. This is likely to reduce your chances of securing more credit.
An individual voluntary arrangement is a legal agreement that commits you to making a specific and affordable monthly payment for usually five years, after which time the rest of the money you owe is written off.
75% of your creditors must agree to this arrangement for it to proceed and you must work with an Insolvency Practitioner to be eligible.
The standard term for an IVA is five years, but it could be shorter if you overpay, or longer if you agree a payment holiday with your Insolvency Practitioner.
We request reviews from every single customer who we help, some of them have given very detailed feedback on how we have helped them and how it has completely changed their lives (in a short space of time). So please check out these reviews (in the Reviews section of our website navigation) and see for yourself!
We help to connect people who are struggling under the stress of debt, or battling with collectors and companies like Resolve Call to find easy, quick and confidential advice about their debt situation. We are fully independent, which enables us to connect you with the best provider for your specific needs.