I have made a note of everything, thanks again.

UPDATE..... Husband rang HMRC last night and spoke to a very helpful girl who put his account on the screen and said ..."We asked the DWP not to pay this amount as the address and other details didn't tie up with my husbands, the DWP took no notice and paid the amount in to god knows whose account - whoever is living in Dagenham. She told my husband to hold on while she spoke to her Manager. She came back about 5 mins later and said her manager is going to call the DWP straight away and ask them to cancel the debt from my husbands name and that an internal fraud investigation will be filed. She is going to put everything in writing to my husband and send copies of everything, so that should the dodgy DWP write again, we will be prepared. We will now be doing our own letter of complaint to the DWP as well. Many thanks all of you for answering my query, you just feel like you are going round the twist sometimes.....

Thank you blonebubbles, will do this tomorrow, need to clear my head a bit now ha ha . Have a good evening.

My husband spoke to a girl tonight from the helpline who said it was for Working Tax Credits.. ... It said there was a technical fault and to try later ! What is form 64-8. He has never been involved with or received any tax credits, so we don't know where they have got his name and this amount from. This is what we keep saying. We want proof of any forms/payments received by my husband but they keep telling him that he lost the 'tribunal' and that the debt id recoverable. They need to prove that he received and filled out the forms for the working tax credits. I think we will send a letter stating fraud on their behalf and see what happens next, if they won't help us then too bad. Are there any letters on here that I can look at please.

Hello Blondebubbles. The letter is from DWP, Camberley Surrey, I did re-post but I can't find my replies. There is a problem with the telephone number on that website, we tried calling it tonight. As this goes back to 2006, it is now statute barred, but surely the letter from my husbands accountant would have been enough for them, or call the accountant if they weren't sure. They had told my husband once before that he was living in Dagenham, Essex, we paid to do a search on the property and it is a block of flats that has only ever had foreigners living in it. We sent them this too. Either way, they are not going to get any money!

Hello. My husband has been receiving letters from DWP asking for repayment of £318.42 since about 2006 for Working Tax Credits. My husband has never claimed working tax credits. He even checked with his accountant, who checked through his paperwork and agreed with him that he has never claimed it, so he wrote my husband a letter explaining that this has never been claimed, which he forwarded to the DWP. Every 6 months or so, we get the chasing letter, my husband phones them up and explains yet again the situation and they say they will put the account on hold! Today came the letter .... he has till 03/07/2015 to pay or they will pass it to a collections office. We have been in France since 2011 (the letters are sent here so they know where we live). He explained again that he has never claimed working tax credit and the girl said that it had gone to a tribunal and that the case was dismissed and that the money is recoverable. We weren't even told it was going to a tribunal. In the end my husband told the girl to come and collect the money in person ! He kept asking the girl who he can talk to about the credits but she wouldn't move away from her predicted notes. So very frustrating. If we claimed and owed it fair comment. Does anyone have any ideas who we can speak to. Many thanks in advance.

Sorry, pressed wrong key - I am at a loss what to do now. I have stopped answering the phone, because I am fed up going through the same story each time, and each time them saying we will look into it.

The foreign lady I spoke to said they were collecting it on behalf of HMRC. The letterheads are from DWP and I have spoken to the people there who bring up my file. According to HMRC I never claimed the WTC nor was I paid any. If the DWP don't listen/understand the HMRC letter, I am at a

When I phoned the DWP they told me they were collecting the money on behalf of HMRC, hence why I contacted HMRC myself and they stated that I had never claimed it.

I am getting 4-5 phone calls a day from the DWP which I refuse to answer, I have told them I am no longer in employment as my contract has finished and my mobile no longer has credit on it as I cannot afford it. They have not listened to the information I have given them, so maybe the MP is the other option. Thanks for your input. It just seems such a paltry amount to chase for when I clearly do not owe this money and even HMRC say I don't owe it. Hey ho. Stay tuned as they say.

Hello Guys. I need a little bit of help please. This goes back to 2006/2007. Letter states 'You failed to disclose the material you were awarded Working Tax Credit.' Total amount £300. I was self employed and needed an operation. I was paid incapacity benefit for the period of sick time. I then went back to work and 3 years later received a letter from the DWP saying as stated above. I phoned and wrote to the DWP saying I had never claimed WTC. I finally received a court letter saying I had to pay this amount as I never informed the DWP. I then wrote to HMRC and explained the situation and they wrote back and said that I had NEVER claimed WTC in all that time. So, I sent a copy of that letter and a covering letter to the DWP and to this date they are still chasing me for the money. In actual fact, they owe me money for a payment made on the account which they deducted from my incapacity benefit. Apart from the obvious, what do I do know. (edit) Many thank in advance.

Just thought I would add my two penneth about Santander. They are suposed to be a european bank - I can't get euro's from mine, they don't do them, they don't do quick cheque clearance, they take 5 days to clear cheques, most banks take 3 and their customer services department are the most unhelpful to say the least. They are obviously spending too much money on advertising and having the likes of Lewis Hamilton in their adverts instead of spending the time and resources on their 'valuable' clients. I have now opened an account with Nationwide. They don't charge for using your debit card abroad, they pay you money at the end of they year if your account stays in credit, they take 3 days to clear cheques, they have fast cheque clearance and their customer services department are a delight to deal with ...

Good evening everyone. I sent the default letter to Hillesden and received a reply back in October saying that they had incorrectly traced the account to my address and apologised for the inconvenience. They then said "in order to remedy our error, we have removed your address from our correspondence files and I can confirm no further letters relating to this matter will be issued to your address, in relation to your data request under the Consumer Credit Act 1974 the above account relates to your ex-husband only and we are therefore not required to supply you with this information. Due to the above, please find enclosed a cheque refund for £1." Apologies once again blah blah blah.... What I am confused about is I sent the £1 postal order to Ruthbridge, and this was cashed by them, so why are Hillesden sending the refund - oh, by the way NO cheque was enclosed, not that I would have cashed it anyways. Are Hillesden part of Ruthbridge., and will this be the last of the matter - something tells me it will get sold on again and if so do I send them a copy of this letter? Many thanks in advance

Thank you again 42 man. I will make them wish they had never written to me today! I will print the letter off and send them that one too. Enjoy the rest of your day.

Hello everyone. I was hoping I had heard the last of this 'debt', but today I have received an Annual Statement from Hillesden requesting the amount of the loan taken out by my ex husband. I have sent them back a letter advising them to 'pop next door' to Ruthbridge and get the file and have a look. I sent a PO in November to Ruthbridge, requesting my husbands CCA. The PO was cashed and to date I have received nothing. Are Ruthbridge in breach of the CCA for passing this debt on? I know this debt has nothing to do with me, but I am the one receiving the mail, albeit the last letter was 9 months ago. I have basically told them to take my name off their list and any further communication will be dealt with the contempt it deserves. I finally thought that was the last of it, got myself a job and have been quite happy, and then this. Strangely enough my phone has been ringing every hour on the hour but I leave my answer phone on and no-one ever leaves a message. Can someone just advise me (I know I am to ignore the letter and not phone or talk to anyone) on the CCA thing. Many thanks

Thank you 42Man and Spamheed. I was just having a silly girlie sob day yesterday and feel frustrated that these people just don't take any notice. I know I am in a win win situation but I just want to make sure that i dot all the i's and cross all the t's in the right order before making a complaint to the 'official bods'. I have kept a clipping of the newspaper report of the elderly lady from Bangor who was harrassed by Ruthbridge for 18 months, this I am going to send to Barclaycard to show them what sorts of parasites they are. It is Barclaycards fault in the first place. I know they are a law unto themselves but is it legal to put my payment onto someone else's account? I feel better today, new week, new month, same **** - did I say I feel better Ha ha :grin:

Bump please, as my letters take longer to send from France, I am sorry to annoy people.

Hello, Can I please ask someone to just run through the paragraph of the letter I will need to send, to see if it is ok, or if a certain paragraph needs to be a little less condescending. Also should I send this letter or just wait to see what their next plan of action is and what happens if the £1 has gone onto his account. What action can I take against them? Many thanks

Good afternoon everyone. I sent the CCA request for my ex's loan on 17 Nov, so the 12+2 days are up on Monday. The postal order was cashed on 19 Nov so I assume I 'will receive the CCA !?'. I would like to know now is do I just wait to see what happens or do I jump the gun and send the 'in default letter.' I need to amend some of the letter as the loan has nothing to do with me. On the second paragraph I would like to say: On 17 Nov 2008, I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference. I also note that my postal order in relation to requesting a copy of Mr. XXXXXXXXXXXX Consumer Credit Agreement was cashed on19 Nov 2008 and I seriously hope that you have not put this money onto his account as this would be a serious breach of Data Protection??? (not sure here) If you have done this, (and it clearly states that the £1 postal order was for the CCA), I would expect you to now remove this from his account. If you do not supply me with Mr. XXXXXXXXXXXX details, I request that you send me my postal order back - oh yes, you can't because you have already cashed it..... I will also have to amend other parts of the letter too, to correspond with the ex's name and not mine. I am happy to wait as I haven't heard from them since 9 Nov, I am just interested to see what they have done with the postal order. If they have put this onto my ex's account as a payment, where do I stand with that? Thanks in advance.

Cheers Railwayman There is a thread on the site somewhere only recently called 'Ruthbridge get a kicking'. That is how low they will stoop. I have printed this off as ammo for the future. It was printed in the Daily Post in Bangor on 15 Nov. I will try and find the web address if you can't find it. I have also done a letter of complaint to Barclaycard for selling the debt on for not sending any notification to that effect and it is they who have put me in this position. I have never had a loan or bank account with Barclaycard. Keep us posted how you get on. All the best.

Hi Railwayman I CCA'd Ruthbridge last Monday regarding my ex-husband, who has gone back to England, they are threatening bankruptcy etc to my house and I live in Europe. They have cashed the postal order so I am hoping they will send me the CCA and then I will have them for breach of data protection and anything else I can throq at them. IF they have put my £1 towards his debt I am sure I will be able to chuck something back at them for that too. Good luck with it and don't talk to them, they are absolute a***holes.

Sorry, Spamheed, dyslexic moment there. So, my postal order has been cashed, what if I don't hear from them by the end of the month with the CCA and they put the £1 towards my ex-husbands debt, what is the course of action I need to take then. Is this legal? I have no assets or property in England, so I don't know if they can try to take it to court, unless of course they find my ex before I do. I cannot afford the airfare back to England tocontest something that isn't mine, my father is very ill in England at the moment and I cannot afford to go back to visit him this side of christmas as the flights are astronomical. Thanx in advance.

Sorry, forgot to say thanx Spamhead.

Have they just opened up a can of worms by cashing my postal order? I think my 12+2 days are up on 30 Nov if I am correct in thinking they received it on 17 Nov. I wrote to them twice telling them that my ex no longer lives here, but deaf ears and all that! I have also written to Barclaycard Loans complaining that they have put me in this position by selling the debt on without prior notice, as I could have stopped all this. I have given them 14 days to sort this problem out. I wrote to their complaints department, so hopefully I have started on the right foot with them by doing that first. I get confused in what order you should do things, long time since my credit control days....

Hello and good morning everyone, an update on what has happened. My friend sent me a special delivery envelope instead of the recorded delivery sticker, anyways, I used this to send the CCA off for my ex husbands loan that I am being chased for. I have been online everyday to see if the letter has been signed for and nothing, so a phone call to Royal Mail yesterday and they say they will have to investigate and call me back. No call, so called back this morning and they said they will still need more time. So I rang the postal order clearing number (see seperate thread) and they have confirmed that the PO was cashed on 19 Nov, so Ruthbridge must have my letter. Rang Royal Mail back to complain that my letter has obviously been delivered as PO was cashed and said I want a refund, they say they will still have to investigate. So either there is a dodgy postman in Twickenham that allows Ruthbridge to take the letters without signing or someone else has cashed it !?! So, does this also mean that Ruthbridge will send the CCA now they have cashed the PO or will they offset it against my ex husbands debt, which they can't do as I have paid it and surely it is against the 'law' to pay someone elses debt - or am I wrong on that. Answers on a postcard please but do not send Special Delivery . Hey ho soon be Christmas!