Being chased for debt that is not ours

[LMcK]

Hi there

I am new to this site and was looking for some advise please.

My husband is being chased by Ruthbridge Limited for debt that has been taken out in his name at an address we did live at but with a different date of birth.

This debt which we believe is a credit card was not my husbands and yet despite advising both the polive and Ruthridge he is still be chased weekly for the debt.

Does anyone have any idea who we go about getting this resolved as it's causing obvious distress now.

Thank you very much in advance.

[huggys boss]

The onus is on them to prove that you owe the debt - which, under the circumstances they are going to be hard pushed to do.

I MIGHT BE WRONG IN SUGGESTING THIS AND I HOPE SOMEBODY ELSE WILL ADVISE YOU FURTHER VERY SOON...................

I would send them a CCA request, letter N here Creditors and DCAs - Letter Templates & Budget Planner


UNDER NO CIRCUMSTANCES SIGN ANYTHING YOU SEND !

Enclose a £1 postal order with the letter and send it either by recorded or special delivery and keep your receipts. They have 12+2 days to comply with the request and then the debt is officially in dispute.

Have you spoken to the credit card company direct to explain the situation? It looks as though who ever moved into the property after you had left has used your husbands name. Can you prove that you had nothing to do with the property when the card was taken out? ie, claims for housing/council tax benefit, tenancy agreement, proof of sale of the house etc.

Can I ask how much they say you owe and to what credit card company?

If they phone you, refuse to speak to them and tell them everything MUST be in writing.

Keep everything they send you and a copy of everything you send them.

[Rooster-UK]

I will move this thread into the Debt Forum where you will get the advice that you need.

Regards, Rooster.

[PGH7447]

Did you get a police incident number? if yes send this to ruthbridge and tell them that until proven otherwise this is fraudulent and to cease all contacts with yopu about this

[ashmk]

This is pretty much the same as what im going through, the barstewards who lived at a previous property got a catalogue in my name but with wrong date of birth.

I gave the DCA a crime report number but now they say to CCA them which is pointless because I know full well I never signed one.

Like huggys_boss says, the onus is on them so im just letting them fester in there own mess now ive informed them and supplied the number.