Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Hello all, would be grateful for any advice on the following-we have arranged a repayment schedule with Ruthbridge solicitors but this morning we received a letter:
"Dear Mr A, Despite many attempts to contact you directly by telephone and letter you have totally ignored our efforts to resolve this matter . We are now advising our clients to comence bankrupty proceedings. etc etc. This will result in your bancruptcy being published in the local gazette etc etc."
We are paying the agreed schedule and they have not tried to contact us; the tone of the letter is pretty offensive (we will drag you through the mud and then publish the details) and I wondered if anyone had any tips on whether it's worthwhile putting our complaint in writing? If so, any advice?
Re: Letter from Ruthbridge-appreciate some feedback
If, as Nathal suggests, you check that the letter was not sent before they agreed
the payment terms, you could then write to the Law Society and complain.
Even if you had not been in contact, the letter was in breach of the Consumer
Credit Act 1974 by applying psychological harassment and threats is gross misconduct. As well as a breach of section 1 of the Malicious Communications Act
1988. Section 40 of the Administration of Justice Act may also have been contravened in relation to harassment of debtors.
Re: Letter from Ruthbridge-appreciate some feedback
Do you mind us asking the value of the debt?
Its unlikely a DCA would start Bankruptcy proceedings because to do so would cost them £1k+
Unless the debt is substantial of course.
Re: Letter from Ruthbridge-appreciate some feedback
There is no point in puting yopur compliant in writing as Ruthbridge whilst noting it will do nothing about it. What I can tell you is that they are not solicitors as you seem to think and they do not and will not sue or take bankruptcy proceedings against anybody..They are just another debt collection agency who specialise in debt purchased by third parties and whom they then represent..it is all bluff regardless of what you may hear or rcve in the post. Just carry on making your payments and disregard what they say to you or send you and be prepared in the prob near future to be offered a settlement figure, if they already have not done so. They will prob ask for approx 75% after they realise that you are not going to be able to pay in full, but depending on which client they are representing, if you stick to your guns you will get it down to 50% or less..hope this helps & good luck.
Letter from Ruthbridge-appreciate some feedback
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