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    • Hi,  I'm new here, and hoping that this is the right place to post this.   I applied for pip and was awarded standard mobility (10 points).  I did an M.R. but got the same result. They acknowledge that I can't leave my house without having someone with me. They accept that I'm not completely housebound as I go out to appointments, which are not a regular occurrence, they also said that they can't award me enhanced because I'm not out most days.  Is this correct?  Surely it shouldn't matter how often I go out? 
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mtelg

ruthbridge ltd

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I recently received a letter from Ruthbridge limited. The first letter i received was to the occupier with a number to call, which i did not after reading posts left on thuis web site. I then received another letter addressed to me threatening to make me bankrupt if i did not pay £1382.96. The cilent is barclays bank. I've never had a loan with barclays although did have a bank account with them several years ago, so i was slightly confused. I sent a letter ( i used one from this site) advising them i did not know what debt they where on about. Today i have received another letter asking me to call the contact centre the letter has no mention of my reply to their last letter. They ignored my last letter Do i now send them another letter requesting cca and send it recoreded delivery. I do own my house can they make me bankrupt. If it is my debt then i am willing to pay it there is just no way i could pay it in one go.

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I recently received a letter from Ruthbridge limited. The first letter i received was to the occupier with a number to call, which i did not after reading posts left on thuis web site. I then received another letter addressed to me threatening to make me bankrupt if i did not pay £1382.96. The cilent is barclays bank. I've never had a loan with barclays although did have a bank account with them several years ago, so i was slightly confused. I sent a letter ( i used one from this site) advising them i did not know what debt they where on about. Today i have received another letter asking me to call the contact centre the letter has no mention of my reply to their last letter. They ignored my last letter Do i now send them another letter requesting cca and send it recoreded delivery. I do own my house can they make me bankrupt. If it is my debt then i am willing to pay it there is just no way i could pay it in one go.

 

If you sent the "prove it" letter to them and it was by recorded delivery then do nothing... Its up to them to prove you owe them something.

 

You say several years ago, is there a chance that this debt is stat barred anyway if it is the barclays account? Is there anything on your current credit file which shows a default?

 

S.


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Deal with your debts:

STEP ONE - Dont Panic! | STEP TWO - Priority & Non Priority Debts | STEP THREE - Personal Budget Sheet | STEP FOUR - A SAFE bank Account | STEP FIVE - Dealing with Priority Debts | STEP SIX - Non-priority Debts | STEP SEVEN - Non-Priority Debt-Repayment Opt1 | STEP EIGHT - Non-Priority Debt-Repayment Opt2 | STEP NINE - Perils of Consolidation | STEP TEN - RE-Evaluate Frequently

 

***** SERIOUSLY IN DEBT, DONT KNOW WHAT TO DO, TRY NationalDebtLine's MoneySteps *****

 

 

IMPORTANT: Please take my advice in the spirit it is given and on the basis that I am expressing my opinion, These opinions are not endorsed by CAG in anyway and are offered informally without prejudice or warranty of any kind. These opinions are solely based upon the knowledge I've gained from this fantastic site and life in general. I have NO legal training.

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PLEASE report them to the OFT, Ruthbridge are well known for chasing statute barred debts.....as Shadow has pointed out if it is 6 years since you last made a payment towards the account then it will be statute barred (5 years in Scotland)...Ruthbridge seem to ignore correspondence from you, and watch out for the letter entitled EXPRESS DELIVERY, it is an attempt to get you to call them (you'll see the Twickenham postcode at the bottom of the letter) If it isn't statute barred then there is a good chance that the debt will have a significant amount of excessive penalty charges on it...in which case you would need to send a SAR to Barclays.

 

The OFT say this -

 

2.8 Examples of unfair practices are as follows:

a. sending demands for payment to an individual when it is uncertain that

they are the debtor in question, for example, threatening debt recovery

action to 'the occupier' or sending a payment demand to all people sharing

the same name/date of birth as a debtor in the hope that contact with the

correct debtor will be made.

b. disclosing debt details to an individual when it is uncertain that they are

the debtor in question, for example, disclosing details to 'the occupier' of

an address.


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.

 

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thanks both, i didn't send the "prove it " letter recorded does that matter. I have since received another letter offering me a payment plan, still there is no mention of the letter i sent them. Today i receive another letter about a provident card which i know i have never had. I will be sending the prove it letter again now for both debt. This time i will send them recored.

Thanks again for your help. I'm not all that great with computors so don't know how to provide a link. sorry

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Don't worry mtelg, thanks for the update and keep us posted....


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

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

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

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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