About Resolvecall
Resolvecall Limited is a debt collection agency in Paisley, registered in Scotland under company number SC127277. It has used the Resolvecall name since 2017 and was previously called Fidelite Credit Management and Scotcall. It is authorised by the FCA (FRN 713946).
Resolvecall says it works for "some of the UK's most well-known financial institutions" but does not name them on its website. It says it does not buy debts. It acts for the organisation that owns your account, so that organisation still makes the key decisions about it.
Resolvecall contacts people by letter, phone, email and text, and it also has field agents who may visit your home. A field agent is not a bailiff and has no power to enter or take goods. A letter or visit from Resolvecall is a request to get in touch, not a court claim, and you can reply in writing to check or dispute what it says.
Group Structure
Original creditor (varies per account)
The bank, lender or other organisation that owns your account and passed it to Resolvecall to collect. Resolvecall says it does not buy debts, so this organisation remains the owner.
Fidelite Credit Management Limited and Scotcall Limited
Earlier names of the same company, according to Companies House. Older letters or credit file entries may show these names.
Company number: SC127277
What a Resolvecall Letter Typically Looks Like
- Letters, texts and emails from Resolvecall quoting a reference number and the name of the client that passed your account on.
- Phone calls from 0141 212 8500, the number Resolvecall gives on its own website.
- An invitation to manage your account or pay through the online portal at myresolvecall.co.uk.
- Notice that a field agent may visit your home. Field agents are not bailiffs and have no enforcement powers.
- The address 1 Smithhills Street, Paisley, PA1 1EB.
- Payment options including direct debit, standing order, card, bank transfer, cheque or postal order.
Your Rights
Proof of the debt and who owns it
You can ask Resolvecall in writing to name the client that owns the account, what the debt is for and how the amount is made up.
Consumer Credit Act 1974 (sections 77 and 78)
For credit agreements, you can ask for a copy of the agreement under section 77 (fixed-sum credit) or section 78 (running-account credit). While it is not provided, the agreement cannot be enforced.
Limitation Act 1980 (section 5)
Most consumer debts in England and Wales become statute-barred six years after your last payment or last written acknowledgement. A court claim on a statute-barred debt can be defended on that basis.
FCA Consumer Credit sourcebook (CONC 7)
CONC 7.9 bars unreasonable or oppressive contact, and CONC 7.14 requires collection to be suspended while a genuine dispute is investigated.
Complaints
Email complaints@resolvecall.co.uk or call 0141 212 8508. If you are unhappy with Resolvecall's final response, or have not had one after 8 weeks, you can go to the Financial Ombudsman Service.
Common Resolvecall Scenarios
A letter about an account you do not recognise
Do not pay until you have checked. Write to Resolvecall asking it to name the client, the original account and how the balance is made up. FCA rule CONC 7.14 says collection should be suspended while a genuine dispute is investigated.
You think you have already paid
Resolvecall says it will check with its client if you believe an account was paid or settled. Send copies of your proof of payment with your letter and keep the originals.
A field agent visit notice
Field agents are not bailiffs. They cannot enter your home, take goods or clamp a vehicle, and you do not have to open the door or discuss the debt with them. You can write to Resolvecall asking for no home visits and for all contact to be by post.
A debt that may be statute-barred
Under section 5 of the Limitation Act 1980, most consumer debts in England and Wales become statute-barred six years after your last payment or last written acknowledgement. Resolvecall says it may still contact you about a statute-barred account, but it cannot win a court claim on it if you defend on that basis.
You are struggling to pay
Tell Resolvecall in writing if you are struggling and ask for time to get free debt advice. A debt adviser can also apply for Breathing Space under the Debt Respite Scheme, which pauses most creditor action and interest for 60 days.
Repeated calls or texts
Under FCA rule CONC 7.9 and section 40 of the Administration of Justice Act 1970, collectors must not contact you at unreasonable times or in a way that causes alarm or distress. You can ask in writing for contact by letter only.
Dispute the Debt by Post
Our debt collection dispute letter is written from your answers in the letter builder. Depending on what you tell us, it can say you do not recognise the debt, dispute the amount, or that it is already paid or statute-barred, and it can ask for the Default Notice and Notice of Assignment. Check the finished letter before you pay, then we print it and post it by Royal Mail.
- Disputes the debt and asks them to prove it
- Cites the law that fits your answers
- Gives them 30 days to reply
- Says you will complain to the Financial Ombudsman Service if they do not
- Asks for contact in writing only, if you choose
Dispute This Debt
- Guided step by step in the letter builder
- See the finished letter before you pay
- Printed and posted by Royal Mail
- Tracked delivery available
From £2.79, including printing and Royal Mail postage. Nothing to add.