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letter from ruthbridge-bankruptcy


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you may have to chase your DMC for news )mine are not brilliant about ringing me back!) but IMHO if you pay for your debt plan to be managed then this is what you pay them to handle (and they do it day in and day out, its no skin off their nose)...

: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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Let me be quit clear in regards to any repayment plan that any of our members are on.

Depending on the judge on the day, waving a plan in front of them will mean nothing.

The law is the law. It is just how it is defined

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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Were your DMC already paying Ruthbridge ? or are they new on the scene ?

PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

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I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

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Please where you given a notice of assignment by the original creditor if not they are acting on behalf they can’t sue in there own right.

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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LW the issue of the DMP is that the manager of the plan has already conducted an I&E review with you. Therefore this, and the fact that the client is on a plan shows willingness to pay; it's extremely unlikely that a judge would award more than the plan itself has awarded; therefore there's very little point in the court action and its extremely unlikely that it will get that far. The same thing applies if you have done this independently. Of course, if someone is threatening court action then the defendant has the right to defend. That means the pursuer could be even worse off in that if they cannot produce an enforceable CCA they'd end up being even worse of! The logic is clear. But of course, a DMP doesn't prevent court action...I am not advocating a DMP for which you pay, merely that there are several options open to all of us; including FOC plans run by e.g. CCCS - alhtough they are bank funded; nothing in this world is for free!

: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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Please where you given a notice of assignment by the original creditor if not they are acting on behalf they can’t sue in there own right.

 

 

 

 

sorry if this sound a little dumb, but can you please explain what you mean by this as i do not understand! and aslo how do i find out if i was given a notice of assignment as i havnt kept all letters and am not sure. thanx

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JI MH; note if Ruthbridge have received a payment via your DMP and are about to receive a 2nd, then your BMP manger are dealing with them. So forward all mail received as your DMC have provided for and let them do what you're paying them to do! By all means keep ringing them and telling them you're very anxious about these letters. You can also, in parallel, write for a CCA and SARs them and decide if you want to cntinue with them as part of your pan or not. You can also give your DMC notice (usually a month) and take on the plan and negotiations yourself. Most people who post on this forum are dealing with the creditors themselves and are doing so extremely well. There's plenty of support here if you choose to go down this route.

: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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