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Help! with Ruthbridge


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My parents are quiet old now and live a good honest life when they started recieving letter from Direct legal for a person with the same surname but a different first name. Strangley this person shares the same initials as me but not the same name and though I haven't lived there for 8 years now I am sure they think this is me.


Now they have passed this debt from National Australia Group on to ruthbridge, I told my father to continue sending these letters back, not to open them and not to call.


Unfortunatley he has and he has called them to say this person does not live at this address. They are insisting that they have carried out an investigation into the address and believe this person to be at this address and that they will carry out another investigation.


What can I do to stop these people blacklisting, can they send baliffs(my mum is quiet panicy and I'm worried), is there a standard letter I can send


Thanks In Advance

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First NEVER talk to these "people" on the phone as they will try and get you to agree to anything.


They CANNOT do anything they say in their letters WITHOUT a court order, so don't panic.


Now time to put them to strict proof.


Dear Sir/Madam


You have contacted me/us regarding the account with the above reference number, which you claim is owed by myself/ourselves.


I/we would point out that I/we have no knowledge of any such debt being owed to (insert company name).


I am/we are familiar with the Office of Fair Trading Debt Collection Guidance which states that it unfair to send demands for payment to an individual when it is uncertain that they are the debtor in question.


I/we would also point out that the OFT say under the Guidance that it is unfair to pursue third parties for payment when they are not liable. In not ceasing collection activity whilst investigating a reasonably queried or disputed debt you are using deceptive/and or unfair methods.


Furthermore ignoring and/or disregarding claims that debts have been settled or are disputed and continuing to make unjustified demands for payment amounts to physical/psychological harassment.


I/we would ask that no further contact be made concerning the above account unless you can provide evidence as to my/our liability for the debt in question.


I/we await your written confirmation that this matter is now closed. Otherwise I will have no option but to make a complaint to the trading standards department and consider informing the OFT of your actions.


I/we look forward to your reply.


Yours faithfully

Be VERY careful whose advice you listen too

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