Its Ruthbridge Again... help!

[redbryn1]

hi guys i've had the same problems with these idiots. they've been chasing me for a £3200 debt from 2001. after no response to my cca request and subsequent letters i contacted middlesex trading standards (where ruthbridge are based) and reported them for harrasment. this was over 2 months ago since then trading standards have informed me by letter that ruthbridge are being investigated and so far i've had no more contact from them. with the help from this site it's made me realise that prats like these are just that, prats.

[hidebait]

No not yet. CCA that is.

[ODC]

CCA them now That will settle their stupidity

[hidebait]

Hi,

Sorry to be a nuisance.... but i cant seem to download the templates from the library for the CCA letter.

I have XP, but only have word pad.

Can anyone help, perhps by pasting the letter onto ths thread so i can copy and paste it into worpad.

Thanks.

[Brassed off]

Hi Hidebait

 

If you are absolutely sure the debt is statute barred then you really need to send the statute barred letter first (Letter “M”).

 

I cannot reproduce this on an open forum but if you PM me, I will send it to you.

 

If you are not sure how to PM, have a read of this:-

 

How Do I?.....

 

 

Bo:)

[ODC]

Hi,

Sorry to be a nuisance.... but i cant seem to download the templates from the library for the CCA letter.

I have XP, but only have word pad.

Can anyone help, perhps by pasting the letter onto ths thread so i can copy and paste it into worpad.

Thanks.

Go to the appropriate letter. Highlight it. Ctrl C copies it Ctrl V pastes it into your document:)

[Seahorse]

If you get stuck, let us know. I'll PM you a link to an MS Office alternative that is compatible with Word etc, so you can not only do your documents professionally, but also for free. Wordpad does tend to have its limitations, and not everyone can afford the MS Office suite.

 

In fact, I have a copy on my PC here, so I'll dump it on a server and post up the link.

 

NOTE TO MODS: It's open source, so don't worry about me advertising dodgy software on your forum.

 

OOPS! Ignore my ramblings. It's 105 Megs, and I've only got a slow satellite connection on this boat. Sorry.

 

You can get it direct though, from OpenOffice.org: Home

 

Be aware it's a hefty download though, so you'll need a broadband connection. If you don't have that, libraries sometimes have CD's for a few pennies that would let you use their fast internet connection to save it for use at home.

[hidebait]

Hi,

Thanks for all your support to date.

Have now got the letter, typed and ready to take to the post office.

Will let you know what happens.

Thanx H xx:)

[pangster]

...

Edited October 25, 2009 by pangster

[ODC]

Have you CCAed them yet

[Kingboyd]

Hi having the same probs recieved the same letters as you, i`ve got a thread going Ruthbridge limited. Mine are for welcome finance

[hidebait]

Hi Guys,

I sent my CCA to Ruthbridge on Nov 29th,by recorded delivery. Signed for on 30th November. I have waited 12 days, but so far nothing from them.

What do i do now?

Wait another 30 days.... then?

[itsamomentintime]

well congratulations, they are in default.

[42man]

Hi Hidebait....I sent them a CCA request in July, and have heard NOTHING since then.....wait another 30 calendar days then if they dont comply - COMPLAIN TO THE OFT and their local trading standards...!!!!

[hidebait]

Thanks very much.

I am close to if not already statute barred on this account, so it could be a great xmas after all x x

[ODC]

Hi Guys,

I sent my CCA to Ruthbridge on Nov 29th,by recorded delivery. Signed for on 30th November. I have waited 12 days, but so far nothing from them.

What do i do now?

Wait another 30 days.... then?

Dont do anything unless they contact you again demanding money. Its not your job to remind these 'Professionals' of thheir legal obligations.

 

If they demand money without producing a CCA then report them to TS as well as asking for details of their own complaints procedure

[hidebait]

Hi Guys Happy New Year to you all

 

Still nothing from Ruthbridge since my cca on 30th November.

Can i consider the matter closed? I am sure now that the account is statute barred.

 

Do i need to do anything else

[ODC]

NO

 

Just sit back and post here if Ruthbridge or another DCA contact you

[Curlyben]

HB, difficult to tell.

You may get a demand from another DCA, who knows, but it does seem safe to say Ruthless are out of the game.

 

The next DCA that arrives send them a statute barred letter and go from there. If it turns out not to be, for whatever reason, then Ruthless have done you a favour ignoring your CCA.

[Dennis56]

Hi Curlyben,

My default was entered in Apr 2002, my last payment was 2001, and the account was closed in 2004 by the credit card company, would this be time barred or does it go from when the account was closed?

Many Thanx

[ODC]

It starts from the date of the last payment or WRITTEN acknowledgement.

[Dennis56]

Thats good news, many thanx

[hidebait]

Well..... when i had thought the dust had settled, i got a letter from Cabot finance asking me to contact them, which i duly did. They say they have now purchase this debt! It was theres in the first place before they passed it on to ruthbridge.

 

So far, Sent cca in november last year to Ruthbridge, no response as yet.

Now a letter from Cabot, who tell me it is the same providian account.

Do i just wait and see what the postie brings or do i start a full on defence to Cabot with the CCA.

Checked the paperwork again, account closed October 2001, that must just about make it statute barred? Do i deal with cabot or do i tell them i have unfinished business with Ruthbridge as they havent responded to me letter a year ago?

All help gratefully received x

[ODC]

You CCAed Ruthless. They are in default of you CCA request so there is no need to CCA Crapbot. Just send them the bemused letter.

 

Dont worry about them providing a CCA for Providian. If they do it will be a world first.

[hidebait]

The bemused letter?