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    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
    • Monika the first four pages of the Private parking section have at least 12 of our members who have also been caught out on this scam site. That's around one quarter of all our current complaints. Usually we might expect two current complaints for the same park within 4 pages.  So you are in good company and have done well in appealing to McDonalds in an effort to resolve the matter without having  paid such a bunch of rogues. Most people blindly pay up. Met . Starbucks and McDonalds  are well aware of the situation and seem unwilling to make it easier for motorists to avoid getting caught. For instance, instead of photographing you, if they were honest and wanted you  to continue using their services again, they would have said "Excuse me but if you are going to go to Mc donalds from here, it will cost you £100." But no they kett quiet and are now pursuing you for probably a lot more than £100 now. They also know thst  they cannot charge anything over the amount stated on the car park signs. Their claims for £160 or £170 are unlawful yet so many pay that to avoid going to Court. When the truth is that Met are unlikely to take them to Court since they know they will lose. The PCNs are issued on airport land which is covered by Byelaws so only the driver can be pursued, not the keeper. But they keep writing to you as they do not know who was driving unless you gave it away when you appealed. Even if they know you were driving they should still lose in Court for several reasons. The reason we ask you to fill out our questionnaire is to help you if MET do decide to take you to Court in the end. Each member who visited the park may well have different experiences while there which can help when filling out a Witness statement [we will help you with that if it comes to it.] if you have thrown away the original PCN  and other paperwork you obviously haven't got a jerbil or a guinea pig as their paper makes great litter boxes for them.🙂 You can send an SAR to them to get all the information Met have on you to date. Though if you have been to several sites already, you may have done that by now. In the meantime, you will be being bombarded by illiterate debt collectors and sixth rate solicitors all threatening you with ever increasing amounts as well as being hung drawn and quartered. Their letters can all be safely ignored. On the odd chance that you may get a Letter of Claim from them just come back to us and we will get you to send a snotty letter back to them so that they know you are not happy, don't care a fig for their threats and will see them off in Court if they finally have the guts to carry on. If you do have the original PCN could you please post it up, carefully removing your name. address and car registration number but including dates and times. If not just click on the SAR to take you to the form to send to Met.
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Ruthbridge Ltd


devlin76
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Hi,

 

Can anyone help me? I've been threatened by Ruthbridge over a loan I took out with Welcome Finance in June 2002, for £1200. I completely forgot about the debt ( my own stupid fault ) and have moved house 3 times since then. Ruthbridge have now told me that I have to pay them £2756 or they will make me bankcrupt. I have checked my credit file and there is not a CCJ from them on there, but it does show that they have bought the debt in 2006 and that I have 'defaulted' on it.

I have spoken to Welcome Finance and they informed me that the debt was sent to 3/4 different collection companies, but that it has now been sold, so they can't help me any further.

Ruthbridge have given me until Wednesday 21st to get back to them 'or bancruptcy proceeding will be instigated'.

I'm not in a position to take out a loan to pay this money back and they won't accept installments ( I didn't offer - he told me that I must pay the full amount and that nothing else would be considered ).

Can anyone help or offer any advise on my situation, I don't want to lose my home!

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Rule one: don't have any dealings with them over the phone.

 

Write to them using the template letters on this site, saying you do not acknowledge any debt and requesting a copy of your agreement. This is your right under the Consumer Credit Act (CCA).

 

Chances are they won't be able to produce an agreement, or even if they do it'll be flawed. Post again when you get it and people will be able to advise.

 

If they can prove the debt exists, they'll have to accept payments even if you can only afford a token sum. They have no right to force you to pay the full amount if you can't do so.

 

Hope that helps, I'm sure others will offer advice too.

 

:)

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Another thought: if they've told you they'll "make you bankrupt" I believe that could be taken as threatening behavour and in breach of their licence. Any thoughts, anybody?

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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certainly carry out a cca request.

 

are you in mortgaged accomodation? if not then it would be unlikely that they will carry out bankruptcy proceedings.

 

if they have your paperwork then you should send them your personal budget sheet and make a reasonable offer of payment. the oft guidance on debt collection states that it is an unfair practice for a collector to force you into paying unrealistic and high amounts. threatening behavour also breaches the administration of justice act 1970 (sec 40) - it's harrasment of debtors.

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I am in mortgaged accomodation. I have only had my house for a year and can't stand the thought of losing it.

Where will I find the templates on this site, I'm new to this:|

Also, what do I do if they phone again? They were really nasty on the phone and I'm scared of what they will dfo if I just hang up on them?

 

Sorry to sound like an idiot, but this thing has really knocked me for six and I'm scared of losing my home.

 

Thanks for everyones continued help! :D

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Don't panic, you're in good company here.

 

Template letters are here:

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html

 

You'll need letter N - include the phrase "I do not acknowledge any debt".

 

If they phone again, be firm but polite and say that all further communications must be in writing, then hang up. They can't touch you for that. Have you got / can you get caller ID and/or Choose To Refuse? Worth every penny, they are.

 

When you write, be sure to include a paragraph re-stating that all further communications should be in writing. Send it recorded, keep proof of posting, let us know what they say.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Hi,

 

They have phoned again with even more abuse! The first time I hung up on them and they phoned 3 more times. I warned them that I had nothing to say to them over the phone and that they must put everything in writing. At this point they told me that they would be issuing a statutory demand and that I had no option to pay the full amount withing the next 18 days! Otherwise I would be declared bancrupt!

 

I didn't reply to his demand and promptly put the phone down, but this has shaken me again. Can they do this????

 

I have sent them the CCA letter as suggested in the earlier threads, today, but obviously if they have 12 days to reply to me and I only have 18 days before they make me bancrupt.

 

Any suggestions / help will be very much appreciated.

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Hi,

 

They have phoned again with even more abuse! The first time I hung up on them and they phoned 3 more times. I warned them that I had nothing to say to them over the phone and that they must put everything in writing. At this point they told me that they would be issuing a statutory demand and that I had no option to pay the full amount withing the next 18 days! Otherwise I would be declared bancrupt!

 

I didn't reply to his demand and promptly put the phone down, but this has shaken me again. Can they do this????

 

I have sent them the CCA letter as suggested in the earlier threads, today, but obviously if they have 12 days to reply to me and I only have 18 days before they make me bancrupt.

 

Any suggestions / help will be very much appreciated.

They cant simply declare you bankrupt. They would have a lot of legal procedure to go through first of all. I stand to be corrected but I thought the amount had to be over 500 before thaty could apply to make you bankrupt. The Courts are the ones who will decide. DO NOT EVEN TALK TO THEM ON THE PHONE. Send them the harassment letter too

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It's £750 before they can even apply for a Bankruptcy petition which I am sure they won't do anyway. Send the CCA request disputing the debt and they can't do anything while the debt is in dispute. Chances are they won't be able to produce an agreement anyway which makes the debt unenforceable. As said earlier send the harrassment letter as well.

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Keep a note of when they phoned, too. It's well worth getting caller ID and, if they're not witholding their number, Choose to Refuse.

 

They're trying to grind you down even though the very fact you're asking these questions shows you're trying to do the right thing. Don't give in to them. :)

 

If you need any support, I've found this forum to be excellent.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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Hi devlin

 

This isn't acceptable behaviour from them. don't worry, they either have to produce the CCA within 12 working days or they will have defaulted.

 

Speak to TS and OFT and let them know what's going on.

All help is merely my opinion only - please seek legal advice if you need to as I am only qualified in SEN law.

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If they do call again before they adhere to your harrassment letter...FIRST thing to say to them is.."Can you hang on a minute please, I wish to record this conversation"...leave a dramatic pause, then say "OK Carry On." ....

Just hate every DCA out there

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If they do call again before they adhere to your harrassment letter...FIRST thing to say to them is.."Can you hang on a minute please, I wish to record this conversation"...leave a dramatic pause, then say "OK Carry On." ....
And before you have finished saying OK Carry you will hear a loud click as the highly trained operative at the other end:rolleyes: panics and hangs up:D

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If they do call again before they adhere to your harrassment letter...FIRST thing to say to them is.."Can you hang on a minute please, I wish to record this conversation"...leave a dramatic pause, then say "OK Carry On." ....

 

if you have a touch tone phone press one of the keys to add some sound effects.

 

always gets 'em.

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I had same problems, please listen to advice offered to you . I sent a CCA request out and they have sent orginal agreement but three days after deadline. They threatened me with bankruptcy and other things but they will not get any more than I can pay and even less if we go to court. Be firm and brave and paythem no more than you can afford . All the best

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  • 2 weeks later...

I have had problems with this company for months after a loan they contacted me about 8 years after the original loan company stopped communicating to me.

 

I have had bully boy tactics all the way through and they are very threatening. I have just got off the phone to them telling them about the advice from this site.

 

I remained firm but polite but they weren't, the person quoted before hanging up "I've had enough now we are now going to send the bankruptcy papers out"

 

What shall I do now?

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If it's been 8 years since you were last contacted, made a payment, or acknowledged the debt; then it would be Statute Barred.

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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  • 1 month later...

Hi, I had my first letter from Ruthbridge 8 months ago and despite me disputing the debt and asking for a copy of my CCAs they have now sent me another letter threatening me with bankruptcy. I too have a mortgage and as i also work in finance this puts my 9yr career in jeopardy. After following your advice I am sending one of the letter templates which refers to my right to receive a CCA and that i want all further comunication in writing. What do i do next though if they do not respond within the 12 day time scale? I feel better after reading all of your comments but am still very scared.

Help!

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You have already sent them a CCA so they are in default and have committed a criminal offence. The ALLEGED debt is in dispute and they cannot do anything about it. You do not have to CCA them every time they come up with a new threat

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Really? The letter i sent to them in August last yr was not as formal as the template i have seen today but i still disputed the debt (I genuinly havent a clue about it) and asked for proof that it is mine.

What are my next options then as I am scared having this hang over my head. Is there any way i can finish it once & for all then? The letters they send are really not nice - and they are extremeley rude over the phone.

I appreciate your advice x

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NEVER EVER SPEAK TO THEM ON THE PHONE

 

CCA THEM AGAIN IF YOU WISH USING THE TEMPLATES ON HERE

 

If they had proof they would have sent to you. Call their bluff

 

They have no intention of making you bankrupt its a scare tactic

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  • 11 months later...

My wife received a letter today -Friday 11th April 2008- from Jason Evans of Ruthbridge Limited threatening her with action from a County Court Bailiff, or a Charging Order if she did not pay a bill of £2207.32 in full. She rang the number given and spoke to Roger Wilson, who told her that she had run up debts on an Argos Store Card between April and December 2003, and had registered an address in Sheffield. He said that she had to ring back on Monday 14th April and he was threatening, mentioning bankruptcy if she didn't pay in full.

 

We have never lived in Sheffield, so she is obviously a victim of identity theft. Luckily, I Googled for Ruthbridge on the internet (because the letter didn't quite look 'respectable'...it was a photocopy and the design didn't look professional) and came up with your site and all this very relevant advice. I'm sending Ruthbridge the letter from template N, mentioning that she doesn't acknowledge the debt and that she'll only accept further communication in writing, so I'll keep you informed of any progress. Thanks for being here!

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I hope you have learned the GOLDEN RULE of CAG - NEVER SPEAK TO A DCA ON THE PHONE Rather than sending letter N send this instead

 

Dear Sir/Madam

 

You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.

 

I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).

 

I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.

 

I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.

 

Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.

 

I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.

 

I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.

 

I/we look forward to your reply.

 

Yours faithfully

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