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marlinhater23

letter from ruthbridge-bankruptcy

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i have just recieved a letter from ruthbridge stating that they are advising their client to commence bankruptcy proceedings, which may include costs and interest! we only owe them 839.88! it then goes on to say that in order to avoid this i should pay them £503.93 before the 13th aug. obviousley i dont have 500 spare cash oe i would pay them. also we are with a dmc ant the moment! what should i do?:(

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Can you get the account below £750. If you can their petition would fail ;)


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Its just threats, very rare a DCA or company makes anyone BR.

Would cost them too much & wouldnt be worth their while to just get back £1 per month if anything at all.

Note the use of the words "advising" & "may" - typical DCA speak :rolleyes:

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i could get it bellow 750 next week but im with a dmc and if i pay them to get it below 750 then they will know that i cud pay more than what im paying em thru dmc! what do you think is best? i have emailed my dmc but havnt had a reply as yet! dunno if they open on saturdays! ta:(

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I wouldnt advise paying them anything at all as they will just see you as an easy target then & harrass you even more.

They wont do anything - just send threats.

Report them to the OFT if you wish...

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I also wouldnt advise paying a DMC anything at all personally.

Only a county court can say what you can pay & to whom etc...

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how do report them to the oft? does anyone have a email address or postal address i could use?

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The OFT has a complaint form on their website:

 

The Office of Fair Trading: making markets work well for consumers


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Yes, report Ruthbridge to the OFT - I had the pleasure of doing so twice a few weeks ago. Builds the case against them having a licence up nicely.:D

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Yes, report Ruthbridge to the OFT - I had the pleasure of doing so twice a few weeks ago. Builds the case against them having a licence up nicely.:D

 

 

ill do that! ta

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Are there any unfair/illegal charges they have applied in the £839? If so deduct them, if it is then below £750 you have achieved your aim.

 

Yorky

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Are there any unfair/illegal charges they have applied in the £839? If so deduct them, if it is then below £750 you have achieved your aim.

 

Yorky

 

Great idea, get a charges reclaim in and dispute the amount owing :)


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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Ruthbridge are well known on these forums for being purveyors of DIAHORREA of both the verbal and the written kind. Totally ignore their empty threat, It would cost their so called client far more than you allegedly owe to make you bankrupt and even if they were foolish enough to follow the ropey advice of Derek then there is no guarantee they would even get back what was allegedly owed.


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Bankruptcy is nothing more than a buzz word branded about by the industry as a threat when in reality very few of them would dare instigate the process due to the cost involved..

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OK

 

what is the alleged debt

 

credit card loan hp

 

how old is it

 

any charges PPi

 

Have you CCA them.

 

DiD you get a notice of assignment

 

Have you SAR the OC.

 

LILLY


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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I don't understand. The whole point of a DMC is that they handle this for you! I know most people on this forum do it themselves, but post the threatening letter onto the DMC and forget about it...as said above who is going to spend the money required to make you bankrupt when you're showing willingness to pay off your debt by being in a DMP int he first place! I spoke to mind recently about EGG and they have been handling and will fill in any court forms etc that get sent. Incidentally, they are not against this forum...!


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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Not dealing with 3rd parties regarding your debts is in breach of OFT guidlines and should be reported as such.


"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

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I don't understand. The whole point of a DMC is that they handle this for you! I know most people on this forum do it themselves, but post the threatening letter onto the DMC and forget about it...as said above who is going to spend the money required to make you bankrupt when you're showing willingness to pay off your debt by being in a DMP int he first place! I spoke to mind recently about EGG and they have been handling and will fill in any court forms etc that get sent. Incidentally, they are not against this forum...!

 

IMHO DMP are when it comes to crunch time are just that.

 

i am sure you aware that whatever way you deal with any issues are down to you, but and this the big but, you need to understand and take control.

 

i wish you a good evening and enjoy the weekend.


Id quot circumiret, circumveniat.

 

please do not take my word for anything please do your own research All that i make comments on are done in good faith and to the best of my knowledge

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I spoke to mind recently about EGG and they have been handling and will fill in any court forms etc that get sent. Incidentally, they are not against this forum...!

 

Just be careful, a DMC will normally get you to admit the debt and then you end up with a CCJ.

 

It is very very rare for a dmc to dispute a debt on your behalf

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??? Of course I admit my debts, that's not what this is about. This is about someone having the correct agreement in place to enforce a debt. Also, when it comes to court action it's perfectly OK (and infact wise) to admit you owe money but dispute the amount! Asking for a CAA to ensure it's been correctly implemented is not about admitting to a debt.


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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OK, I will rephrase that. The DMC will admit that the debt is enforceable.

 

I would also disagree with you when you say that it is wise to admit a debt - that is never a wise thing to do unless the claimant has proved that the debt is enforceable.

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I meant in court in front of a judge. The issue in court is an enforceable credit agreement in place. Also, the fact that you can't agree a figure as in most cases the Creditor has not provided the necessary records for this to be ascertained. I am talking to my DMC about EGG and they are aware of CAG and the advice it gives. So far they've given me nothing but support and encouragement and if I decide to take EGG on they'll remove them form my plan accordingly. Its up to me to give the instruction.


:lol:

Successfully claimed back mis-sold PPI (Barclays Bank) 2009-10 (£8500)

Ran a paid-for DMP. Deeply respect those who self-manage a DMP; it is possible to do with the help of fellow CAGGERS

Offered F&F to all my creditors. All closed out including a particularly intransigent and stubborn one - who eventually saw sense after 10 months of nonsense!

Does not condone debt avoidance but violently disagrees with the antics of debt collectors and their behavior towards the ones trying to pay. I am a great believer in what goes around, comes around. Keep up the good fight!

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i phoned my dmc and they said that they would ring ruthbridge and sort them out, also they would ring me back and let me knw what they say! if they still insist on this course of action then i think i would get it below 750 just to be on the safe side!!! thanx everyone!:sad:

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