had my letter without predudice today!!! sent my cca requst off yesterday so shall wait and see soooooo glad i found this forum thanks again all:)

hes still around unfortunatly i spoke with him yesterday arrrggghhh

hi all just joined this forum after reading all of the helpful but disturbing posts. I recieved a letter from [edited] jason evans yesterday and it said LETTER BEFORE ACTION so what did i do i called the number i was told that derek maxwell was not available and was asked to leave my number!!!! i called them back today as i hadn't heard anything and i was put through to mr maxwell who then started shouting the bankrupcy thing told me to get a solicitor and put the phone down on me so i called back as at this point i was unaware of this [edited] company. I spoke with him again and he advise he would call the company i owed money to and ask them if i could pay by installments at this point i was crying fearing for my home and new born baby when baliffs were threatened. He told me all he could do was contact the company couldnt promise anything and he put the phone down. I haven't heard anything back today however i thought it was all a bit dodgy so goggled the company and found this very useful site thank you everyone. I have now sent off my £1 postal order requesting my cca and await a reply i have had no contact off anyone regarding the debt since 2003 so he said i'm gonna stick to my guns and tell them where to shove it I think the owner is known by lots of names [edited]- if you google the ruthbridge ltd and scroll down you'll find his mobile number [edited]. Thanks to you all once again:-)