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Sirbob00

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About Sirbob00

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  1. Were you also receiving the carers element. This is roughly £160 per month extra. Make sure you were also receiving this and it was also backdated
  2. I’ve had a look through and don’t believe I’ve posted about this debt. I’d just like to say thank you for the help received and giving me the confidence to send a SB letters to some of our creditors. In my head I knew I’d made no payments or been in contact with them but I was worried in case they came up with something. I sent one to Cabot a few weeks ago and have today received a letter stating that they acknowledge it’s SB and won’t be in contact again. Thank you
  3. Unsure if I’ve posted in the correct area so feel free to move if I have. Back in 2012 when my husband became sick he lost his job and we allowed our house to be repossessed. We stopped paying all non priority debts so 2014 was the last time they were paid. Now though they are statute barred and although my husband has 2 outstanding CCJ’s my credit reports is looking much better. With Experian it’s 999, Clearscore it’s 401 and CreditKarma it’s 582. The thing is though both Clearscore and CreditKarma make suggestions about improving my score and it’s suggest
  4. Brilliant. Thank you. I’ll update with what happens next.
  5. I received a letter from Ruthbridge today in regards the SB letter I sent. it just says that after liaising with their client (Cabot) the account has been returned to them in order for them to deal with the matters raised. It also says the account with them has been closed and I’ll receive no further communication from Ruthbridge. Then it finishes by saying that our client will be in touch with you shortly regarding the issues raised. So now I have to wait for Cabot to get in contact with me.
  6. I followed the instructions by The Librarian where it says it should be sent recorded delivery
  7. I’ve sent off the SB letter first class recorded delivery. I have just printed my name digitally but was wondering do they have to accept it without my actual signature. Can they be awkward about it?
  8. Thank you. I was using my iPad and it wouldn’t let me change anything but I’ve asked my husband and he’s done it on his laptop. Sorry for being an idiot. I’ve spent the morning having chemicals pumped into a helmet I’m having to use to fumigate student bedrooms and it’s obviously gone to my head.
  9. I have. Says sign or print digitally but I had to type the letter out due to using iPad so wondered if I would just sign normally
  10. And I’m ok to sign this letter.
  11. Yes the address for Ruthbridge is different to that of Cabot so I’ll send to Ruthbridge
  12. Sorry just a quick question before I do the letter. Do I ignore the fact that the letter from Ruthbridge says that I must contact them and not Cabot. Thank you
  13. Do I send the SB letter to Ruthbridge? Apologies I hadn’t realised I already had a topic open. Thank you for merging.
  14. I’ve received a letter today from Cabot Financial saying that as they’ve been unable to reach an agreement with me they’ve passed my account to a company called Ruthbridge. It’s regarding an old Capital One credit card which doesn’t show on Credit Karma, Clearscore or Equifax and Experian has my credit score at 998. I believe the last payment was in April 2014 and I wrote to them in Jan 2020 to advise of our correct address apart from that I’ve never called or acknowledged any letters. Has anyone heard of Ruthbridge as it’s a company I’ve never heard of befo
  15. Hi. We’ve continued to ignore Wescot. Today a letter came from 2f which judging from the letter is part of Wescot. It’s a confirmation of residency letter and asking for my husband to get in touch. Says if he doesn’t then Natwest has the right to take further additional measures to re-establish contact with him. Can I assume this is also OK to ignore. Thank you
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