Hi so I just got my second letter from these idiots, even though I send them the CCA they did not send back any paperwork or a credit agreement or anything as proof, they just sent another letter with the same basic heading that I owe Barclays Bank this alleged amount and also threatening bankruptcy and stating that I would be told to attend a hearing and meet with an accountant to go through a statement of earnings/investment etc. and that I would be declared bankrupt and a notice would be put in the London Gazette and my local paper (good luck with the Japanese reading that then)! And the Inland Revenue and any other affiliates would be contacted to seize any monies of mine they have to pay off this and any other debts! The Inland Revenue? So they think they can take my pension etc.? I assume this is not legal? So anyway my partner told me to ignore them, next time I get a letter from them I am just going to return it unopened and state we are no longer at this address (I mean military do move around a lot after all)!!!!!

So anyway it would seem somehow they got hold of an address for me, I am not sure if my parents gave it or not as its not actually totally correct but it still got here regardless (to Japan)! Anyway they are saying I have 10 days to pay the sum they are saying I am owed, or they will get their overseas affiliates after me! Overseas affiliates???? Basically I have a CCA ready to send to them but didn't get a chance before their letter turned up! Anyway they also said they have sent me numerous letters and phone calls etc. which I have no idea about as I have lived abroad since 2004! I am still waiting to hear back from Barclays as to whether this debt is real or not, and if they actually use this ****** company! And the 10 days they gavce me at Ruthbridge is already up! I dont work, so I dont have any money, I am looked after by my partner (they actually had his name on the letter to me as he is the mail recipient for us) but as we are not married he is not in anyway responsible for this so called debt! I will still send the CCA and see what I get back! They got their letter to me here on 3rd September and it was written on 26th August, so thats plenty of time for the 12 day deadline to get me the proof! Should I be worried about these oveseas afilliates!

Maybe everyone on here should send me a template N letter and I will send them from Japan, with a "Japanese" address, that way this bunch of thugs will think everyone has moved to Japan, and if they send anyone around your house and you do happen to answer the door, pretend tobe someone else and say "oh sorry, Mr/Mrs Whoever has moved to Japan"!!!!

LOL, thanks for the welcome! Should they also contact the credit reference people to update their information on their address do you think? Anyway I have a letter prepared to send them (template N) and the money will be in US dollars (it doesn't say what currency the GBP1 fee has to be in right)???? I am waiting to hear back from Barclays as I asked whether they actually do use a company such as this, if they do maybe this deserves a slot on one of those shows that investigates dirty dealings!

Hi, I came across this site yesterday after doing some research on this less than desirable company! My mother contacted me from the UK, as I live in Japan, and told me that she has received a letter from Ruthbridge stating I owe over GBP3k to Barclays Bank. Since I have lived abroad since 2003 and they have only lived at their address since December 2005, go figure! I have obviously never lived at this address and have no applications for any credit in the UK at this address. After reading your website I will contact my parents and let them know not to have any further dealings with this company and to block their number on their phone. Also, I have used the N template to send the company the said letter asking for the credit agreement. I have also sent information to the Office of Fair Trading and to Barclays Bank asking if they actually do use this company. I would be shocked to discover that a company of Barclays' calibre used such a underhanded **** bag company who just use threats and bullying tactics to scare people. I put my Japanese address on the letter to send the company, and I know a letter can get here from UK inside 12 days, so I know the 12 day deadline still counts. Also I will have the letter tracked as being military it is sent from a military post office and will be registered upon delivery. I have not contacted this company except to build this template letter. On the other hand should my parents take any other action i.e. the police or write to Experian and Equifax to state they are the only people who have a right to any credit at their address and I have never lived there? Please help.