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Cabot/Ruthbridge Ltd query?? plse help

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Jason Evans strikes again. And yet again, in relation to a debt that is getting close to being time barred, if it isn't already.


The extra amount will be interest etc. QUite how they arrive at this insane figure is anyone's guess, but forget that for the moment.


Now, do you live in Scotland, by any chance? If so, Tough Sh1t, Jason. It's now statute barred. If you live in England, well the limit is 6 years, and I guess Ruthbridge have been called in to try to collect before the limit there kicks in.


It's highly unlikely an agent will call. But JUST IN CASE, you have the right to tell him to Feck Off. In more polite terms, right enough. But if he won't go away (and you should be yelling at him through the letter box) tell him you wish him to depart, he has 10 seconds, otherwise you will call the police.


Ruthbridge have been called in because of their use of nasty, illegal, bullying, cowardly tactics to try to get a payment that Cabot would otherwise struggle to collect. Just remember that fact, and don't worry.


Any more info you can give us?

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You COULD just ignore it, but I think the next thing that wil happen is, they'l keep phoning you until you are about demented.


As you will not need to worry about an entry in your credit record (It would take longer to sort out than there is left to run in any case), I suggest this...


Write to say..


Thank you for your letter, ref blah, blah. Unfortunately, I do not recollect the matter to which you refer, and I must insist that you prove to my complete satisfaction that you are entitled to take any action in regard to this matter.

For the avoidance of doubt, I do NOT acknowledge any debt. Unless you supply me with proof as intimated above, I shall not even contemplate replying to any further communication. Please note that you will NOT telephone me or visit me at my home or any other place. Any communication that you might contemplate will be in WRITING only.

Failure on your part to comply with this request will result in a robust reaction on my part. Please note that this may include litigation of my own against both Ruthbridge and Cabot.


Something along those lines anyway. Don't feel guilty about this. If the original creditor had been bothered enough about it, they've had nearly 6 years to get their act together. It's not your fault they dumped it off on Cabot after all this time.

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Being a pedant, I couldn't help but chuckle at the grammar:


...our legal agent may call at the above address, with a view to either, serving papers, or, to arrange repayment, within the hours of...


Have Ruthbridge got a surplus of commas which need using up?

  • Barclays: WON!!! It took four months but was totally worth it!
  • Cabot: I'm still waiting for an enforcable agreement, more than a year after requesting it. Go on, Uncle Ken, take me to court if you dare. You know you want to!
  • Elephant.co.uk: VICTORY - they admitted there was no debt!
  • Ashbourne Management (gym membership): Finally got my default removed and out-of-court settlement; I'm not finished with them yet!

<--- If I've been helpful please remember the scales ;)

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I sent a CCA request letter to Ruthbridge (and I recieved one of those 'express delivery' letters - which I am sending to the OFT, TS etc) they wrote back saying they want to discuss the issues I raised in the letter but they would need to speak to me on the telephone....never heard anything else !!!

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  • 3 weeks later...

dear me.


simply send a CCA request to Crapbot, should shut them up.

post office WON 12/11/06


abbey.LBA sent 30/10/06.MCOL claim submitted 8/11/06.allocation questionnaire sent 16/12/06.schedule of charges sent 16/12/06.WON


2nd abbey claim SAR sent 3/1/07.WON.complaint letter sent 18/1/08


alliance and Leicester.WON

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I wouldn't worry at all. As it's over 5 years in Scotland, you're bulletproof. If they try to raise an action in England, get it moved to your local court.


Let's see the feckers try it on in a Scottish court. Dozy gits. Get these idiots reported to trading standards, OFT and the CSA. Don't forget to include copies of their letters which clearly break collection guidelines, and are designed to frighten and intimidate you into paying up.


These people really need to have their licence taken away from them. I know cockroaches with more scruples. I don't know why Cabot are still using them, because THEY are reponsible for the actions of their agents. So Cabot are just as culpible

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That last letter from Ruthbridge is right up against the OFT's rules on debt collection....


Section 24 (b) falsely implying or stating that action can or will be taken when it legally

cannot, for example, referring to bankruptcy or sequestration proceedings

when the balance is too low to qualify for such proceedings or claiming a

right of entry when no court order to this effect has been granted



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The limit (as such) is £750 and it costs about £650 in court costs - if you can afford the court costs they seem to reason you should pay the debt.


The debt is statute barred as you are in Scotland and the courts would be mad to process this, they might try Northampton Bulk Court but that is relatively easy to stop and challenge.


Watching this with interest.....

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