who should i be dealing with??

[frenchgg123]

oh my..
this is so confusing.

should i be dealing with Ruthbridge(DCA), Cabot or M&S financial services.

any advice

[Jeff2000]

Originally Posted by frenchgg123

oh my..
this is so confusing.

should i be dealing with Ruthbridge(DCA), Cabot or M&S financial services.

any advice

Hi french,


What are we referring to here?

I think we need a few more details!

Please post your story here, and I'm sure somebody will help!

[diskmandave]

Originally Posted by frenchgg123

oh my..
this is so confusing.

should i be dealing with Ruthbridge(DCA), Cabot or M&S financial services.

any advice

In the absence of any details whatsoever... I'm guessing you have an outstanding amount on an account with M&S Financial Services that's been sold to Cabot that is now being chased up by Ruthbridge Limited on behalf of Cabot...??


If Ruthbridge are chasing the account, in the absence of any details, all I can suggest is that you send them the CCA request letter, which is a legal request to be provided with a copy of the original credit agreement. The template letter can be found here:
http://www.consumeractiongroup.co.uk...tml#post162367
Add to the top of the letter, that you don't acknowledge any debt to their company, and that the £1 payment is not in anyway a payment to the alleged outstanding amount.

Make sure to include a P/O for £1 which is the statutory maximum payment for them to comply to the request, and make sure that you send it by recorded delivery so that you can prove that they received it and on what date/time.

Please post more details so that we can be of further assistance!

Good luck, regards, Dave.

[frenchgg123]

Ruthbridge have been sending me letters for the last month asking me to phone them, and threatening bankruptcy and sending people around. they say they are working on behalf of Cabot financial europe who on behalf of M&S.

I have CCA Ruthbridge on 19 April 07, they have cashed the cheques against the the debt and failed to send the requested docuements.
they have defaulted on 12+2 rule. they have phoned and i have refused to speak to them.the lady managed to say before i hung up how can they send me the docuements in the given time and that they only send out template letters. today received template/standard letter asking me to phone them to discuss the correspondance. they obviously have not read the letter as i have asked them not to phone me. And have not ammended the £1 payment they have credited towards the debt. they are trying to chase a loan that I have no coresspondance since april 2001, my credit file states that M&S closed the file in 09/2001 listing as default.

apparently they are sending someone around in 14 days to discuss the debt.

I have also Subject Access Request Cabot.

I am not paying out a penny until or if they can prove that i owe the money.

is it possible that the loan is statute barred. the last letter i have from M&S on 17 April 01 and i did not receive a letter from ruthbridge untill 17 April 07? should i wait to see if they go 30 day criminal offence and then send them a letter stateing the limitation act for statute barred credit agreements or should i do that know?

this whole thing got me really worried but after reading other posts on this site i realise they are a bunch of bullies.

is there anything i have missed?

still it worries me what if they suceed?

[Jeff2000]

hello again,


As long as you have not acknowledged the "alleged " debt in writing, or made a payment towards it since April '01, then it should be statute barred.

From now on do not speak to anybody on the phone regarding this matter! If they continue to phone, send the harassment letter. You want everything in writing. You need everything in writing for your records!

If somebody does come to your home, you do not have to speak to them at all! Ask them to leave. If they refuse, inform them they are now trespassing, and you will call the police! If they still refuse to leave, then call the police! Inform the police that you have a trespasser on your property, and there may be a breach of the peace!


Good luck, Jeff.

[frenchgg123]

have received another letter today from Ruthbridge. This time it had a different address from twickenham instead of teddington.

They still have not sent me my requested docuements but in the letter have said they are going to advise their client (Cabot) to pettition my bankruptcy and still have not returned the £1 payment for this from the debt to my application for my CCA, I now this is all bully boy tactics, should i write another letter referring to my past letters?
should i also send Cabot copies of all my correspondance ?

Ruthbridge have already broken a number of OFT fair trading guidlines, should i report them know or wait for 10 June?

12+2 day default 10 May
30day criminal offence 10 June

have Subject Access Request request Cabot 40 day deadline 4 July, but they have already cashed my £10 cheque.

[tomterm8]

I am no longer welcome on CAG

[Wabnazm]

French,

I am in the same position with a slightly older debt that has been through the exact same route. They will claim to have proof on the phone, but they will not be able to provide anything in writing. Once they go past the 12+2 days that the CCA gives them they haven't a leg to stand on. Do send the statute barred as well

You are probably dealing with the same delightful woman I am. They don't even use their real names, they are scum.

[frenchgg123]

yet another letter of threats, this time a different address from twickenham.