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  1. Hi Newbie here and I am hoping you guys can point me in the right direction. I've been lurking on here for a few days trying to find out various tips and information regarding my problem. I got into trouble after loosing my job in 2009. I had a lot of debt and couldn't make payments anymore. Entered into an iva in late 2010, made about 5 payments and then lost my new job and had to cancel the iva. I just cancelled my direct debit to the iva and never got in contact with them again. They eventually officially cancelled my iva in spring 2013 and started to get letters from various
  2. Hi, I think I'm in a similar situation. I recently received a letter from Cabot saying that they had bought an account that I held with LLOYDS TSB - Credit Card. The first letter was dated 19th November 2015. Subsequently I have received two additional letters the last being, I imagine, the same as above (parksey78), just a form wanting pesrsonal details and income/ outgoings. I genuinely have no knowledge of this account and I was therefore about to send the template letter regarding 'no knowledge' when I came across a similar thread suggesting that it mayb
  3. Sorry guys, i took the lazy approach and ignored everything again. I have received nothing for a long time and then suddenly a letter from Cabot saying they are passing my debt to Ruthbridge, a debt collection agency. In the same envelope (is money too tight to post 2 letters?) A letter from Ruthbridge saying to contact them. I had a message on my answerphone.. This is a call for (silence) Please contact us using your reference. Thats it. I googled the number to see Ruthbridge mentioned. This is a Citi card debt with the last payment in 2006. So long past being
  4. My husband received a letter from this shower on Friday morning, telling him that he owed over £7k on a current account with HFC Bank. To the very best of his knowledge, he's never had any sort of account with HFC - is a "prove it" letter in order to start with? We intend telling them that he denies it is his debt, in any case. Thank you all so much. Catherine Just adding to my own post - I have looked again at the letter from Ruthbridge - it accompanies one from the lovely Cabot Financial, which is telling my husband that, as they have not come to a mutual
  5. Hi, I received a letter from Ruthbridge over a DLC debt which has been assigned to them, this is very old although payments were being made to dlc through a dmc in 2011. I received this letter threatening to make me bankrupt! I decided to send a CCA request to them and have just received a reply today returning my postal order. This states 'we write further to your recent correspondence requesting information with regard to our reasons for contacting you. We take note of the points you have raised in your correspondence, however we must advise we are no
  6. I have recently received two letters, with some made up reference number, saying "we know you are living at this address, contact us, or we may have to call you (good luck, we are ex dir). No reference to any debt, company or anything. I didn't realise this company were so horrendous until I read so many threads on this and other consumer forums. Any debts are now so statute barred that cobwebs are all over them. There was a small amount owing to black horse, but no payments or agreements have been made for over 15 years. Now, I suddenly get a couple of letters from Rut
  7. Seems a while since I heard anything from a DCA but a recent house move has set them off again. Two weeks ago I received a letter 'We are attempting to contact the above named in relation to a personal matter' from Ruthbridge. I ignored it as advised the last time a DCA contacted me. Today I have received another latter from the same company (appologies for using upper-case as they did): "YOU HAVE BEEN IDENTIFIED AS OUR CUSTOMER AT THE ADDRESS STATED ABOVE. PLEASE CONTACT US IMMEDIATELY." It gave me 5 days to respond (letter dated 5 days ago) or an agent may telephone me. I
  8. I'll keep this concise but looking for some advice.. (not a poet) - debt defaulted december 2007 - about 85-90% certain last contact was May/June 2008 to try and arrange payment plan but never went through with it. tried to think of anything that suggests i was in contact after this but really cant think when/why that would be. - that last contact was through agency called ARC and last letter from them was July 2008. - debt then passed to cabot who sent several letters to me 2009 and 2010 once they had found new address. ignored. - nothing since and debt fell off cred
  9. I have received a letter from Ruthbridge Ltd asking me to pay a sum of just over £9000 which relates to a loan taken out with Black Horse in 2007 for c£30,000. Ruthbridge has supplied a copy of the CCA and a schedule of payments made on the debt right up to December 2012. The debt was originally defaulted on in 2008 and between 2008 and 2012 a nominal amount of £14 was paid monthly to the original creditor. At that point circumstances changed and that amount was not affordable. However recently I got a loan for a car from Black Horse, and this may have triggered the system that I c
  10. Hi there; I have received a letter a week ago from this company stating i owe £2175.08 on behalf of another company dlc regarding a loan and thats all the information they have provided asking that i contact them i have trawled forums and seen how nasty this company can be i have checked my credit file through call credit and experian and there are no defaults , no ccjs no chasing for any debt on my account other than an arrangement to pay with natwest but that was for 350 that i paid back a couple years ago. the letter is in my name except my last name is spel
  11. Hi Everyone! With the lovely support on this site, i sent a CCA request on Monday to Ruthbridge who i have been paying a token payment of £1.00 for over a year and to Direct Legal and Collections prior to this. This is an old debt of MBNA going back as far as 2005 for £15,107.00. Today i recieved the postal order back, with the CCA letter stampted recieved and also a slip stating "account returned to our client Direct Legal and Collections", question is do i now send a CCA request to Direct Legal and Collections or wait to hear from them. i also h
  12. Early last year I received a letter from Ruthbridge on the 16th and they said roughly, they were trying to contact the named person on a personal matter, if I am the person named I should contact them immediately. If they didn't receive a response within 7 days they would have an agent telephone me. On the 24th I received another letter from them saying: We note you have failed to respond to mail directed to you. YOU HAVE BEEN TRACED AS LIVING AT THE ABOVE ADDRESS CONTACT US IMMEDIATELY. If you have not established contact with this department within the next five days an agent may t
  13. This originates from Cabot Financial who tried to via CCS Collections to obtain £875 on their behalf, no client was listed. I wrote back making it very clear that I have no outstanding debts that have not been serviced and that if the alleged debt was mine which I know it is not then please provide the proof. After a couple of letters exchanged they admitted that it was an electronic request and they had not provided any paperwork. Now I have Ruthbridge on the case after £2625.70p owed to the Bank of Scotland?? I have never had any dealing financial or otherwise with
  14. I am disputing the enforcability of my credit card agreement with MBNA, my understanding that whilst an agreement is in dispute lenders must stop processing your details and entering negative information on your credit file. MBNA have continued to do this despite me writing to them asking them to stop, they insist they can continue to do so on the basis that they believe it is enforcable. They appear to be disregarding the fact the agreement is in dispute. I want to make a formal complaint to the highest authority in the country and take them to task, who would
  15. Hi, Many months ago after being spammed with dozens of calls, texts, and emails, from Payday Express, I got them to agree to £200 in settlement of the entire debt. I insisted they put the words full and final in writing but I couldn't quite get them to do that, so the offer stalled. Now the debt has moved to Ruthbridge are they in any way obliged to honour the £200 PDE seemed willing to agree to? Ruthbridge are claiming closer to £800 from me.
  16. Hi, hope some1 can help, my husband has received a phone call today from this company about a debt with Barkley card which he is already paying to another company and has been for the las 2 or 3 yrs, he has told them this fact but they insist that they will take him to court if hr does not pay, he told them to take him to court if they wanted because hen the court herd that he as Leeds paying the debt to another company they would b laughed out of court and that he would then sue them for wot ever he could, they then told him they would continue to call him if he didn't comply. Can they actual
  17. hi guys, well its started again ruthbridge have sent a letter to my BROTHERS address telling him I owe money to Barclays , this debt is now 17 years old , in that time I have had no contact with any d.c.a, , I could not give a stuff about them ,but now they are sending letters to family members (my sister inlaw panicked) I told them not to worry, but surley it can not be right fot them to send letters to family? (my other brother received one about 10 years ago) I
  18. Hi, Was wondering if any has had any experience with Ruthbridge or any other bottom feeding dca actually taking anyone to court? Are they all mouth and trousers or do they ever fulfil their threats? I have 4 year old debt now in their hands.
  19. I am looking for any advice regarding my debt issues. I left the UK almost 5 years ago to Live in Aus. On leaving I paid back all debts except a bank loan which I continued to repay for nearly 18 months. Due to financial stress I had no option but to use UK credit cards to pay for food, fees etc. I still managed to make repayments for these for about 18 months. In short I owe approx. 20k GB before any interest is added. I have never until last week received any correspondence regarding the non payment of this debt here in Aus. I was aware that a letter or 2 had been sent to
  20. Hi all, I have read a number of the thread on Ruthbridge and could really use your advise on the best action in my particular case. Received first ever letter from Ruthbridge - It was addressed correctly to my name (unusal spelling), but contained no details about the alleged debt amount or alleged creditor. Just the general 'please call us' bit. There are 2 things I guess this could be related to: either a storecard for about £50 in 2001, or a disputed debt with the also totally dodgy gas/electric company Spark. If the latter then it is only about 2 years ago - I made
  21. Friend of our came to me about a problem he's having. 3 Weeks ago he got a phishing letter from Ruthbridge asking him to call them, I told him not to, last week he got another letter with more information, it was for a Halifax Current account for more than £2.5k. Today he got another letter from Ruthbridge basically saying that if they don't hear from him in the next 14 days they may send an agent to his address. They thankfully doen't have his phone number. The so called debt as mentioned is a Halifax Current account. Last payment in 2000, last correspondence with Scotcall in Fe
  22. I have received 2 letters from a company called RUTHBRIDGE which I gather from the Internet are some kind of Debt Collector. To begin with the name on the letter is not my name.The spelling is different. I was once in business as a sole proprietor.This business ceased trading in September 1997. I had mental health issues at the time and are on-going under the care of my GP. I am retired on a state pension. I rent from a housing association. My house was re-posessed by the bank in 1998. I do not owe any money to any person , business, bank or credit/store card companies ex
  23. Hi. Awhile ago thanks to the help I got here I was informed that my Yes Car Credit Agreement was Unenforceable due to missold PPI Insurance, I informed the then DCA involved Hillesden Security in which they replied in agreement saying they won't enforce the debt, but the debt is still owed etc etc etc. Anyway that's been going well for a good few years now, however This Month Ruthbridge has contacted me and unlike previous attempts from other DCA's ( Direct Auto Finance ) instead of the usual "Would you like to pay something?", They have demanded I pay, Threatened me with Bailiffs an
  24. Hi everyone, i have received a letter from ruthbridge yesterday asking me to contact them, so i contacted them not thinking much of it, it turns out they are asking for payment for a 6,000 loan from when i was young and stupid! which i made my last payment may 2007 but i have not made a payment since as i was not in a good place to at this point and nobody has contacted me until yesterday. apart from this i have no debts and was agreed a good morgage back in march of this year which i thought was the start of a whole new life. please can someone advise me of the b
  25. Hi all I am after a bit of advice /reassurance my dads received a letter from Ruthbirdge ltd today asking him to contact them to help them resolve an urgent matter first thing i always do with such matters is google the company name to see what comes up no surprise to me to find its yet another unscrupulous debt collector my dad had a letter from Active Capital earlier on this year about an old statute barred debt of mine (an old bank debt due to banks error of paying a DD id cancelled which i refused to pay time ran away with itself 9 years later a letter
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