Ruthbridge Ltd

[railwayman]

hi all and thanks again rory32.

i have recently recieved a letter from ruthbridge (notice before proceedings) to which i responded using the cca request. 7 days later from the first letter dated i recieved another letter (without prejudice) to which i have not responded. the following day a recieved a letter stating they have not been able to contact me by phone (it will be hard as they do not have a number for me) in order for them to deel with the issues that have been raised in my cca letter.

after reading other threads with ruthbridge ltd i will not be contacting them by phone but should i send them another letter stating my original request or leave them to supply the documents within 12 days ?

if someone could advise me were to go from here that will be fantastic. thanks in advance.

railwayman.

[42man]

Be alert for a letter which says EXPRESS DELIVERY...this is an attempt by them to get you to call....you will recognise it from Ruthbridge as the postcode on the letter is TW (Twickenham)....

 

After the 12+2 days are up you can send them this by recorded....they NEVER respond to your letters, but just keep sending out generic rubbish about bankruptcy, Christmas is cancelled etc...

 

Send by recorded....and edit as required

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

[rory32]

This is a fairly standard practice from Ruthbridge. They've dealt with enough CCA requests to know what their obligations are, so just wait until the 12 working days are up before sending them anything.

[railwayman]

cheers both . i sent the cca by recorded on 20th nov so ill wait to see what happens and get ready to send the letter from 42man. by my reconing the 12th working day is on the 5th . should i send it on that day as its a friday or wait till 8th to send it.

 

will i be ok to come back to you both with what to do in the future ?

 

thanks again.

[Cheeseybob]

Hi Railwayman

 

I CCA'd Ruthbridge last Monday regarding my ex-husband, who has gone back to England, they are threatening bankruptcy etc to my house and I live in Europe. They have cashed the postal order so I am hoping they will send me the CCA and then I will have them for breach of data protection and anything else I can throq at them. IF they have put my £1 towards his debt I am sure I will be able to chuck something back at them for that too.

Good luck with it and don't talk to them, they are absolute a***holes.

[railwayman]

cheers cheesybob. i find it hard to believe how a company can act in this way. from what i can tell they have been complained about so very many many times and yet they can still trade !!!!!!!!!!

The other side of the coin is thank god for the internet. Perhaps we should teach our children in schools basic right issues . It seems to me only then will companies like ruthbridge stop what they are doing.

Good luck cheesybob.

[rory32]

will i be ok to come back to you both with what to do in the future ?

Please do.

 

It's 12 full working days from receipt before they are in default, so the first working day starts the day after they received it.

[Cheeseybob]

Cheers Railwayman

 

There is a thread on the site somewhere only recently called 'Ruthbridge get a kicking'. That is how low they will stoop. I have printed this off as ammo for the future. It was printed in the Daily Post in Bangor on 15 Nov. I will try and find the web address if you can't find it. I have also done a letter of complaint to Barclaycard for selling the debt on for not sending any notification to that effect and it is they who have put me in this position. I have never had a loan or bank account with Barclaycard. Keep us posted how you get on. All the best.

[railwayman]

hi rory32, hope all is ok with you. just wanted to update you. since sending the follow up letter to which42 man provided on this thread on the 10 dec 2008 i have heard noting at all from ruthbridge, is there anything else i need to do as its been some time ? thanks again

[42man]

I had the same....I sent Ruthbridge various letters and there is a good chance you'll never hear from them again (as I never did)....just look out for the EXPRES DELIVERY letter with the 'TW' postcode

[rory32]

If they are not chasing you for payment then you don't have to do anything. The balls in their court.

[TANK1972]

Please, Please, Please

can anybody help me with regards to these crooks!

I recieved a letter from them on the 30th December informing me if i did not pay them £6707.53 within 7 days that they would serve a county court claim. also they thretend me with county court bailiffs. they claim that they are acting to retrive an outstanding balance in full, on behalf of M B N A BANK LTD. In September 2003 I was going through a bad period in my life, my father (who I was liveing with and looking after) died after a long battle with Lukiemia, and the council were ivicting me from the family home. at the same time i was making payments to M B N A LTD, i thought i had payed the full amount i owed them, and tried to move on with my life and concentrate on the more pressing events that were happening to me at the time, the matter was forgotten. Then I get get this letter from Ruthbridge, I did not know what the hell these creeps were going on about and did nothing. I then recieved another letter from them theterning the same thing, 0n the 6th January 2009. And again I did not do a thing (something about all this did not smell right). On 13th January 2009 they sent ANOTHER letter this time thretening that they would be advising there client to issue a petition for my BANKRUPCY no latter than 23rd January 2009. And that they were prepared to accept a payment in full to the sum of £ 4494.05 before 23rd January 2009. There is not a chance I can pay this amount as I am currently on benifits and unemployed please can anyone help and advise me as I am starting to get worried about all this.

Many thanks.

 

TANK1972

[pmhcfc]

Please, Please, Please

can anybody help me with regards to these crooks!

I recieved a letter from them on the 30th December informing me if i did not pay them £6707.53 within 7 days that they would serve a county court claim. also they thretend me with county court bailiffs. they claim that they are acting to retrive an outstanding balance in full, on behalf of M B N A BANK LTD. In September 2003 I was going through a bad period in my life, my father (who I was liveing with and looking after) died after a long battle with Lukiemia, and the council were ivicting me from the family home. at the same time i was making payments to M B N A LTD, i thought i had payed the full amount i owed them, and tried to move on with my life and concentrate on the more pressing events that were happening to me at the time, the matter was forgotten. Then I get get this letter from Ruthbridge, I did not know what the hell these creeps were going on about and did nothing. I then recieved another letter from them theterning the same thing, 0n the 6th January 2009. And again I did not do a thing (something about all this did not smell right). On 13th January 2009 they sent ANOTHER letter this time thretening that they would be advising there client to issue a petition for my BANKRUPCY no latter than 23rd January 2009. And that they were prepared to accept a payment in full to the sum of £ 4494.05 before 23rd January 2009. There is not a chance I can pay this amount as I am currently on benifits and unemployed please can anyone help and advise me as I am starting to get worried about all this.

Many thanks.

 

TANK1972

 

You need to recall when the last payment was made...Ruthbridge rarely get involved before a debt is statute barred, so its likely the last payment was over six years ago.

 

Don't panic, there's plenty you can do. First things first...You've got to get Ruthbridge to prove the debt..hence a CCA being your first step

[TANK1972]

The last payment I made was in september 2003, I cant recall exatly, like I said I had alot happening to me at the time.

How do I go about doing a CCA what is this?

 

TANK1972.

Edited January 23, 2009 by TANK1972

[rory32]

Template N here http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

 

Send recorded delivery with a one pound postal order and do not sign the letter.

[TANK1972]

Many many Thanks rory32 I shall give it a go.

 

TANK1972

[TANK1972]

I sent Ruthbridge Ltd a request for a CCA on the 26/01/2009. I got the following letter from them today.

28th January 2009

As we have been unable to contact you by telephone, it is essential that you call our office immediately, in order for us to deal with the issues that you have raised in your correspondence regarding this debt.

please therefore contact our office on the above telephone number, quoting our reference number as stated.

 

Yours sincerly,

 

Mr Jason Evans

LEGAL DEPARTMENT

 

I don't intend to get in contact with them, but what do i do next?

TANK1972

[rory32]

Just file it under ignore for now. They'll either supply the copy of the agreement or they won't (if they do then post it up as it may not be enforceable). There is no need to discuss any 'issues' with them.

 

It's just a standard template letter making a pathetic attempt to get you to phone them.

[pmhcfc]

I sent Ruthbridge Ltd a request for a CCA on the 26/01/2009. I got the following letter from them today.

28th January 2009

As we have been unable to contact you by telephone, it is essential that you call our office immediately, in order for us to deal with the issues that you have raised in your correspondence regarding this debt.

please therefore contact our office on the above telephone number, quoting our reference number as stated.

 

Yours sincerly,

 

Mr Jason Evans

LEGAL DEPARTMENT

 

I don't intend to get in contact with them, but what do i do next?

TANK1972

 

Sheesh, I really can't stand Ruthbridge. WHAT A LOAD OF CR*P they spout...They need to talk to you regarding the issues you've raised?..Er why? - What exactly do they want to discuss? - the fact that it's probably statute barred and/or they cant possibly produce a valid and enforcable CCA..And they'd like you to offer you a good deal of 50% discount on the back of this?

 

What idiots...Do as is suggested and ignore the latest piece of rubbish they have the audacity to call a letter..Keep it for (possible) further ref though

[TANK1972]

o.k i sent a request for a CCA to them and it's been over 12 working days and they have not sent it. what do i do now?

 

TANK1972

[42man]

Send by recorded....and edit as required

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

You have failed to comply with my request, and as such the account entered default on **DATE**.

 

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

This limit has expired.

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

Consequentially any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS.

 

Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

[railwayman]

hi guys & gals. can you believe i have recieved another two letters since going through the rigmarole of sending them the templated letters supplied on this thread. they have not sent me any of the contracts ect i have asked for and are well out of time . what do i do now ???? thanks

[letshelp]

Mr Jason Evans

LEGAL DEPARTMENT

 

Good old Jason back from the dead, herad nothing from the guy since he sent me the usual range of threatening letters 2 years ago. Oh, and by the way people absolutely nothing happened, no bankruptcy or any other bs they threatened.

regards

[railwayman]

cheers dude. glad it was ok for you, what do you think i should do ???

[letshelp]

cheers dude. glad it was ok for you, what do you think i should do ???

 

It is safe to ignore Ruthbridge, they are the last throw of the dice. If you check whatever it is they are chasing it is likely to be statute timed out. Ruthbridge are the bottom feeders in the DCA food chain expect a couple more letters then they will go away.

DO NOT TELEPHONE THEM

regards