A Resolve Call doorstep agent is a debt collector, not an enforcement agent. They can ask to speak with you, but they cannot force entry or take belongings merely because they are collecting an account.
If a visit or letter is unexpected, identify the account before discussing payment. Treat a formal court document differently from a routine collection letter and never miss the deadline shown on official paperwork.
Resolve Call company details #
Companies House lists Resolvecall Limited, company number SC127277, as active at 1 Smithhills Street, Paisley, PA1 1EB. It records previous company names including Scotcall Limited and Fidelite Credit Management Limited.
Use the legal entity and reference on your letter to check the current FCA Register entry. A genuine company name does not prove that an unexpected caller or message is genuine, or that the balance is correct.
What to do during a doorstep visit #
- Keep the door closed if you prefer. You do not have to invite a doorstep collector inside.
- Ask for identification. Note the person’s name, company and account reference without disclosing unnecessary personal data.
- Do not sign under pressure. Ask for documents in writing and take time to check them.
- Do not pay an unknown account. Verify the original creditor, balance and authority to collect first.
- Ask the visitor to leave. A debt collector has no general right to remain on your property after permission is withdrawn.
- Get help if you feel threatened. Contact the police for an immediate safety issue; use the firm’s complaints process for collection conduct.
Debt collector versus enforcement agent #
A doorstep debt collector can request payment and discuss the account. They cannot:
- force entry;
- take or list belongings for removal;
- clamp a vehicle;
- claim to have court powers they do not have;
- present a collection letter as a judgment or warrant.
In England and Wales, enforcement agents normally become relevant only after the required court and enforcement process. Scotland uses sheriff officers and different law. If a visitor says they are an enforcement agent rather than a collector, ask for proof and verify it independently.
Check the account before paying #
Ask for:
- the original creditor and account number;
- the legal owner of the account;
- an itemised balance and recent statement;
- the date and evidence of any assignment;
- a copy of the agreement or other supporting document where relevant;
- details of any existing judgment.
If the account is not yours or the amount is wrong, dispute it in writing and explain the specific issue. Keep copies of letters, envelopes, texts and call notes.
Old debts and limitation #
Do not decide that a debt is enforceable or statute-barred from its age alone. The type of debt, due date, last qualifying payment or acknowledgement, court history and jurisdiction matter.
Many simple contract debts in England and Wales use a six-year limitation period. Scotland generally uses a five-year prescriptive period, but its rules and legal effect are different. Some debts and existing judgments are treated differently. Get advice before paying or acknowledging an old account.
Letter of Claim or court form #
A routine collector letter is not a judgment. A formal Letter of Claim or court form needs prompt attention.
- Check the response date.
- Verify official court details independently if unsure.
- Do not assume that a complaint or payment-plan request pauses proceedings.
- Get debt or legal advice if you dispute the debt, assignment, amount or limitation position.
- If the debt is yours but payment is unaffordable, ask about an affordable response rather than ignoring the claim.
GOV.UK explains that failing to respond to a money claim can result in a County Court Judgment. The Scottish court process is different.
Contact preferences and complaints #
FCA rules require firms not to contact customers at unreasonable times and to take account of reasonable requests about when, where and how contact happens. You can request written contact or explain accessibility, caring or shift-work needs. The rule does not create an absolute right to prevent all necessary communications.
If conduct remains unreasonable:
- complain to Resolvecall in writing and include dates and evidence;
- keep the final response;
- if eligible and unresolved, refer the complaint to the Financial Ombudsman Service within the stated deadline.
A complaint does not normally stop a live court deadline.
If payment is unaffordable #
Protect essential household costs and priority debts first. Depending on your income, assets, debts and location, options may include an affordable direct plan, a free debt-management plan, Breathing Space in England and Wales, a Debt Relief Order, bankruptcy or another formal solution.
An IVA may include a qualifying unsecured account if the overall arrangement is suitable and approved. It is not a way to cancel one disputed account, it carries fees and obligations, and only remaining included qualifying debt is normally released after successful completion.
Use the debt-help resources page to find free and official support.