Thanks for this will send them off - they haven't actually been telephoning me as they have neither my mobile or land line number thank goodness and I don't intend to ring them and I don't intend to give them any contact numbers either. What is the puprpose of the SAR? and if they fail to provide the info does this then put the debt is dispute? Should I send to Ruthbridge or the mortgage lender as it is R/bridge that are chasing me as it speears the debt has been sold on? Sorry for all the questions I just want to get it right!!

Hi - I have now received further correspondence from Ruthbridge - one addressed to "The Occupier" from "Express Delivery" which looking at othe threads is a common tactic of theirs to get people to call them. I have also had another letter saying they will send someone round - has anybody else had experience of these people "calling" on your house? I don't intend to answer the door to them anyway but just wondered if anyone had them visit and what you did about it? Also please can someone advise what a Subject Access Request is that someone in the above posts suggested I try and obtain? Thank you so much

I am not sure I believe it was Woolwich as that name is what is on the 3 letters I have had - howver these letters are the only contact I have ever had - I have moved house a few times for my job since the house was repossessed so they may have tried to get in touch before but I have never recevied any correspondence until now

Sorry Gizmo forgot to add - what's a subject access request or can you show me a link to where I can find it please?

Hi Gizmo - mortgage was with Woolwich but the debt was subsequently sold Direct and Legal and then onto Ruthbridge (although I believe they are one and the same company??)

I think the issue is here the debt has been bought by a DCA so they will not give a monkeys about the CML code - am I right to assume this? I really am at a loss as to what to do next. I don't know whether to just ignore it or offer a small settlement of £x

I have got a house but there is little equity in it now the prices have fallen. My car is a company car - I have got tvs, dvds etc but only the usual stuff andthey belong to my partner. i have no savings either - the house was repossesed in Arpil 1999 and sold around Sept 1999 I think. do you think they will think it is worth persuing Bankruptcy gizmo?

Thanks Lula - will send a letter - is there a template letter available or am I best to draft something up personally?

Thanks Lula - I had visions of some shaven haired, burly blokes turning up on my door issuing me with court papers. I will ignore it however if anything else trainspires or any other latter come in the next few days, please could I revert back for some advise of what to do next? Many thanks for all your support everyone x

Hi All Please note I have received another letter from Ruthbridge today. It states the following WITHOUT PREJUDICE Further to previous correspondence regarding the above, you are hereby given notice that bankruptcy proceedings are due to commence for recovery of the outstanding balance together with costs and interest. We are no longer prepared to correspond with you regarding this matter as we will be advising our client no later than "next weeks date" to issue a petition for your bankruptcy, with a view to the sieizure of your assets/property as the discretion of the court appointed trustee. You should also note that the above debt of £15k is a principle sum which will increase should the intere which has been frozen for the last 24 be applied. However as a final opportunity to avoid legal proceedings we are prepared to accept a lump sum payment of £10k (!!!) which must be received in our offces by "next weeks date". this sum would be accpeted as full and final settlement against your liability and will also ensure you are not pursued for the remainder of our clients claim in the future. As an added inentive once this sum has been received and cleared our client will instruct the credit ref agencies to mark thedebt as satisfied. Please note your remittance should be paid to Ruthbridge with reference number 99999999 quoted on the reverse. Alternatively you can make payments using credit or debit cards by calling the above number. Please could you advise what I should do? As it is on a WP basis again I agree with Caro that they may be chancing it? But I am also concerned that someone could turn up at the door with bankruptcy papers?? should I send the letter where I ask them to provide all documentation to prove the debt is mine and hope they can't do it which en renders the debt in dispute?? I tried to call National Debtline but unsurprisingly it was engaged each time I called Many thanks for your help - I am worried sick

Thanks Caro and Weller - I can't tell you how much better I feel already just talking and sharing with such nice and helpful people. I will speak to the national debtline when they open and agree with Caro the fact they have done it on WP basis does indicate they are probably trying it on. How do I make a donation? I can't afford much but I would like to give soemthing to help and say thanks and hopefully it will helps other like me

Weller thank you so much for that. It's has been really useful - I a just owrried as the lender appears to have passed to a DCA ages ago and the first letter I had relating to this was last week. I am just wondering whether anything to do with the CML still stands when they have sold the debt on?

Hi all - thanks for the information given on the various posts. Should I just ignore these letters then? I don't want to call them and other posts have advised not to contact DCA in these sort of instances. Should I send the letter that says after 6 years the CML advise that the debt should be written off?

Bump??

Hi all Firstly this site is a god send. I really need some advise please. My ex partner and I had our house repossesed in April 1999. It was sold at auction and there was a shortfall of around £14k in total (which would have been covered by the MIG). I thought rather naively that I would hear no more about it. Me and my ex split and they appear to be chasing me for a debt of £14k which has gone to this Ruthbridge company. The letter I have receved today is threatening bankruptcy proceedings. I have since got myself out of the financial myre and bought another house in 2005. I am really worried I could lose this house and this is the kids home. the letter has been sent on a "without prejudice" basis which I think means it can't be mentioned in court - is this correct? Please advise whatI should do as the debt is almost 10 years old and I don't have that sort of money. I also worry that all the hard work I have done trying to get back onthe credit ladder will all be undone and I will lose mine and the kids home