Ruthbridge letter test. Nearly forgot to remove my name, oops. Dont think ive had letters from these before, Cabot i have had loads though. should i use jpg or pdf formats? Ruthbridge1.pdf

I love you guys and want to have your babies, lol. Spooky or what i have received a letter from ruthbridge about the citi account, Dated last week. I have had no letters from anyone named newmans. So not a clue who they are or what debt they are claiming. Sorry i did not complain to anyone, 1, I dont remember any notice of assignment, I have had reminders letters but, I check they are not court letters and now keep them i dont put them straight into the shredder. But i have never really took much notice, At one point i was receiving several letters a day from the same people. I feel quite left out i rarely get post these days. 2, I dont know who the card was from, Logistics something on the card, Been a while now. 3, err no idea on that. 4, I think the interest has only been added fairly recently. I did wonder if they could do that. 5, Yeah threats did worry me at 1st but these sites and the fact they say will affect my credit rating, But im sure thats wrecked after the 1st few missed payments. And i dont want anymore credit thank you i have learned a valuable lesson. 6, Err sorry again i still have not asked them for one. Is it wishful thinking that they will not take me to court before the statute barred date? Thank you all.

Still awake and this is buzzing around in my head now. I claim IB and thats topped up by income support, Partner doing a part time college course, 1 child just started college. Income, IB + IS + child tax credit + family allowance. Total income approx £400 a fortnight paid into partners account. Without the rent, council tax and CC bills and travel costs we dont seem much worse off. Now i have a car worth approx £2000, Which my FIL and mother put money towards because we help my inlaws a lot. Shopping and doctors and hospital appointments etc. It sits there most of the week so my mileage is very low. If i lost that i wouldnt be able to go far and we wouldnt be able to help the inlaws who are nearly 80 and not in very good health. They are proud though and refuse help from carers, When they did accept one to help the MIL they got annoyed because they wouldnt turn up at the right times or not at all. Electric and Gas takes £120 a month, Water about £20 i think. Wonder where the bill is for that? These i have kept up payments on since changing company. Original company we were in arrear when i was 1st off sick but managed to clear that when the sickpay ended and i claimed IB. Seems i should have been able to claim whilst sick but how am i supposed to do that when im sick? Backdate you wish they said. Even had to pay rent and council tax for a few weeks because they failed to give us the forms to claim it. I offered them £2 which they accepted but did reply if we took you to court you would pay £2.64 minimum. How petty. Anyway, £23 month for childs travel costs, Maybe getting something towards that from the college. upto 3 months worth of travel vouchers. But so far cost nearly £60 in books. One book she mentioned seems rather rare only seen one for sale £30+. One thing that maybe a problem is my sister has a contract phone for £35 in my name. Which she gives me the money for each month. I have a phone £12.50 a month that my daughter mainly uses now. Will either of these ( luxuries ) affect my position when they work out any repayment? Also wondering if they take me to court and i show i have debts to 5 other companies. Will payments have to be shared between them or will just the company that takes me to court get any money leaving none for any others? I read posts on here and people say they cant do much but it still makes me wonder, I dont want to be an exception where they have the correct paperwork and will take me to court and awarded more than i can afford to pay. Also worried about writing to them in case it resets the statute barred clock. Thats for reading my wittering on. Action time but i would rather hide under the stairs? I do realise that any court papers are not to be ignored. Do i need a solictor or something? Thanks again.

Thanks Donkey, Well i have been naughty and still hiding. Received a Schedule of Litigation from HFO last week. Says in 7 days i will get a Letter Before Action. Then in 14 days they will issue a claim form by northampton county court. same day an application for judgement if i fail to defend. Then 15 days after that a charging order, attchment of earnings or warrant of execution. Im sure i have had one of these schedules before, But time is running out for them. Year and a bit left and it will be statute barred. Still out of work and no signs of change in the near future. So attachment of earnings is going to get them nowhere. So what are the chances of them actually following this through to court? And what is my defence? No work no money and probably 5 or 6 other companies all asking for money i did not have and refusing to help. Thats about the best i can think of. I think it was citi that were the worst? Getting forgetful now... Anyway phoned to say ive been off sick for a few weeks but they refused to assist unless i paid £200 and something pounds, I was getting £65 a week sickpay. After that call i stopped talking to all of them and ignored the phone. Then i get a letter saying they dont want to antagonize me. That was the final straw i flipped. Never spoken to any of them since. Thanks for thinking of me. PS now getting calls from 08453304800 Not sure if its for the same thing or another debt passed onto someone new. PPS. It wont let me click the star to add to your reputation.

Bit late on this post but. Your zafira may have a max weight or 2000kg but the unladen weight which is the important one for you in around 1400kg. You cannot tow anything greater than the UNLADEN kerbweight of any car you get without taking an extra towing test. The issue with the Zafira is some of them have a low towing limit, 1050kg for your model. You cannot tow a caravan of trailer with a MAX laden weight of more than that. Doesnt matter if you load it lightly.. Its the max gross loaded weight that counts. Plated at gross of 1051kg = illegal for you. Even if it only weight 900kg unladen. Also you need to watch the gross train weight. The towing limit maybe reduced if you have the car loaded. My gross train weight is 340kg less than the max tow weight and maximum laden car weight added together. So the more i put in the car the lighter the trailer has to be.

Direct Logistics does ring a bell, 0800 number possibly? Who are/were they? This was going back a couple of years now. Seems to a LOT of posts on HFO, few from one of my others Mackenzie Hall. HFO sending the same letter saying the person has no defence for not paying. I really must sort some of the letters out. Im sure i have had statutory demand threats also. Thanks

Shame i no longer have the missed package card i got early on and other letters with various threats. Missed package card delivered in the normal post with a stamp and a phone number to collect, Naughty. As i was getting letters almost daily because i would not talk to them i was watchful of anything suspicious. Same as having my bank calling & leaving a mobile number...

Very strange..... Not tried phoning myself. Just reading a letter from HFO, Saying i made payments in the past and i am unlikely to make a credible defence for legal action. Only ever paid the original creditor until i was off work then all payments stopped to everyone. Then a bit about county court judgements affecting my credit rating (as if i care about that now, (hard to get credit when you dont have any money anyway). Then in BOLD... County Court Bailiffs will visit ## Your Road and seize your assets. Next paragraph... Alternatively HFO may instruct solicitors to apply for an order to obtain information against me, Which means that a court shall ask me to produce a record of financial activity for a period as far back as 3 years. My online statements get deleted after 2 years, If they want copies they can pay for them. Reading it before 'the bailiffs will visit' bit in bold would stand out and i would be waiting for the knock at the door. Now i just sit & wait to see if they do actually want to risk taking me to court.

Ive had many many threats. They are going to seize my assets, garnish my wages. Before finding help on the internet i did wonder if they could come in and strip the house bare. A sticky explaining what they can and cannot do would be great or have i not spotted it yet? Thanks to everyone who keeps these boards alive i now know they are like the paperboy who left the shop without the papers. My assets would be worthless to them, No wages to garnish. Only thing i am unsure of is what would happen IF they did actually take me to court and what my options are after receiving any court paperwork. Could i send off the CCA requests at that point and reply to the court i am waiting for them to supply proof the debt is mine? Or would i need to goto court and do that? Great site, Thanks.

07572955158. I just thought sounds dodgy a mobile number. Number that called was PRIVATE.. Googled it & found nothing, Pay & Go number with no trace? I guess they know who i am on here now. Save them the trouble of phoning me & more letters. Take me to court because i have nothing to give you.

Still ignoring them, But today i had a message left from my bank to call them on a mobile number. Has anyone EVER had a bank leave a mobile number to contact them? Wonder is someone is being naughty. Above post offering them a full & final settlement, I would but i doubt they will accept 27p. I have had offers from them but sums of money i could only dream of in my present situation.

Inspect the actual assignment i guess they wont tell me how much they paid for the debt? They are sending me litigation letters with copies of court information papers, Attachment of earnings (not working) Third party debt order (which seems to apply if they have a judgement and i have not paid) List of court fees (which they need to pay to take me to court) Is this just to worry me into paying them something? They dont seem to apply to me. Thanks

OK looked through the recent stuff which has avoided the fate of the shredder. I have received a reminder notice of assignment letter. I cannot find any original letter stating notice of assignment. Sold to HFO by monument and now being managed by HFO subject to their standard terms & conditions 12% interest. Waffle about they will devote all of their commercial and legal resources to collect this debt. Extremely important that i contact them immediately. As one poster mentioned i am worried that contacting them for a CCA may make the contact with them more frequent. Chronology of the letters, Oh dear. I have a fair few debts and get letters from HFO, Mackenzie Hall and several others. I just check the letters are not from courts and put them into one pile. If its really important i probably could but it would take some time to go through them all and find out which company are chasing which debts. So far since the initial contact with the credit card companies where they asked for money i did not have i have never ever spoken to any of them or the debt collectors by phone or letter. Had text messages sent to my landline, missed parcel cards delivered with a stamp. Which i thought was dodgy as i was not waiting for anything. Hundreds of phone calls. Luckily BT added caller ID for free on its weekend package so i can see who is calling & ingore it. Bit of a pain when the hospital ring using an 08 number.. But at least they leave a message. The debt collectors must have known how many rings they can get before the answer machine kicked in. So i had a cat and mouse game and set it to answer after 1 or 2 rings. Thanks

Some very strange people on here... Seems I am being judged to be a timewaster or worse??? WHY? sillygirl1. Please explain how I have vanished? Posted this just before midnight. Seems i posted in the wrong section and my thread has been moved this morning. 16 hours later your accusing me of not returning? How am I being challenged? What is a bart alert? I thought I could get help with my genuine questions. Answer to some of the posters who actually want to help, Thank you to those people. Yes I did receive a notice of assignment a month or 2 back. Original debt was monument. Not statute barred. Last payment Dec 2006/Jan2007. Been out of work on health grounds since that date, I was on sick pay & contacted the CC companies and went round and round in circles. Them asking for payment in excess of my sick pay me saying i could not afford thet amount. In the end i stopped trying to talk to them and shredded all their letters. Yes they still try to phone me, Never spoken to HFO ever. Phone or letter. Unavaliable, Witheld and actual traceable numbers still call but i never pickup. If i knew about this site back then things may have been different. On the other debt board they said I should ask for the CCA but I am still shying away from contacting them. I can see no reason why they would not have the CCA but I have read many many posts were they have failed to provide one. But can they still contact you after failing to supply one? I think bankruptcy would be my best option but i cannot afford to do that. 19 months to statute barred? Thanks

Dont worry i actually have them chasing me and have gotten many letters with allsorts of threats. Nobody has ever been to the door to try and collect. Just send the letters back still sealed with Not known at this address written across the front. At least it might cost them a few stamps before they stop. Never ever phone them or give them your name/number. It may end up with your name on the letters. One note though, Are people with debts not allowed to move? Possible the debt may not actually be outstanding. It would be like me saying why did you take on a property where someone has had bad debts previously. Dragging up an old thread to post that. Does make me wonder why you posted it.

HFO keep sending me Litigation letters, Notice of litigation, Schedule of litigation etc. They also send paperwork on attachment of earnings and charging orders, 3rd party debt orders. After a good read these seem to apply to someone that has had a judgement and failed to pay it? One also listed charges and fees for applying to take someone to court. I read it and thought these are fee THEY would have to pay and hope to get the money back if taken to court. I am on IB and this is topped up with income support. What is the worst that can happen if they did take me to court? I have debts with other companies also so i presume any payment must also be shared between those? Hard to see how they can take money i do not have. Freeze my bank account? I only put my bill money in that account to pay the direct debits for the utility bills. Amount on each letter seems to be going up as well. £12 extra each time. More scare tactics. Advice please. Thanks.

Seems strange the calls start just before bank holidays and kids main holidays. Is it just me this happens to? No calls for ages then all of a sudden they start again. HFO and Mackenzie hall mainly. Few unknown and withheld numbers also. Still not spoken or replied to any of them as yet. Thanks for the advice though.

Age & mileage, Risky. He could claim its an old LR they are all like that sir,point to the LR forums where they all seem'to be broken for some reason or other. II think what you needed to do was contact the seller in writing then if he failed to respond goto trading standards etc. But you got the car repaired before so you maybe out of luck. Same with the warranty company, They would need to inspect the car anf report back whether they are going to offer anything or not. Unlikely on a 10 year old car with 150,000 on the clock.

One expensive mistake looming? I got caught doing 40mph on a dual carriageway which was a 70mph limit. But they had roadworks so dropped the speed to 30mph. Drve the route weekly and always slowed down to 30 They moved the roadworks further down to the island but let the signs in the original place. I slowed down at the sign but not enough, I thought it would be cheaper to pay up rather than lose time & pay trying to fight it. Shame i didnt know about these forums back then.

So if you have an accident in a company vehicle do you need to notify your car insurance of that fact? I was under the impression that i should notify my own insurance.

Because you have to declare ALL accidents, claims and convictions whether t fault or not? Youve had one accident and their figures suggest you are likely to have more. So they increase your premium. With insurance costs rising anyway its hard to tell how much of a difference it makes. Mine has risen £150 in the past 2 years, With no accidents or claims etc.

I had a phone call from BCW the other day. So appears they are still using the name. Wanted me to call them back using an 0844 number.

Take it to a rival tyre centre and get them to check the tyres, Get them to put it in writing on a proper sheet. Avoid Kwik Fit in future.

The handbrake and gearbox will not be damaged. Tyres lose grip on the road long before they will get damaged.

Well Mackenzie hall have been busy today i received not one but 3 letters. Letter One. Offering a full settlement figure with a very generous 25% discount, If i were to contest the actual figure im sure at least 50% could be down to late fees and charges. So i must decline their super generous offer as i would struggle to pay even 1%. Letter Two. Asking to setup direct debit or standing order and pay a figure i presume they plucked from thin air. I just worked out it would take 18.5 years to pay it back. Letter Three They are going to send an "AUTHORISED COLLECTOR" Can you have unauthorised ones? All letters are finished with the usual, If you dont bow to our threats we MAY take further action. Thanks to posts on here i would have been worried about collectors, But now i know they can do nothing. So tempted to write to them and say i MAY talk to them but there again i MAY not. Unless they DO take further action. But i am still in the ignore them stage even though a couple of people have said send off a CCA. I was thinking if i leave that a bit longer it may help to slow them down as the statute barred date approaches. Still a long way off for that though. late 2012. Thank you all again.