If at first you don't succeed.... change the subject!

[allgold30]

Well that's what they've done!! I sent them the nice long dispute letter (you know, the one to tell them I consider my account to be in dispute). I have received no response to the CCA and inadequate response to the SAR. No agreement, no debt, right? And for the record I wrote to Ruthbridge telling them why I was not paying.

 

So I receive a response today. It says that they have looked at my complaint (did I make a complaint??????) and they can see from my records that the debt was sold to Ruthbridge and I should contact them to arrange payment. I have so many weeks to respond or take it to the Financial Ombudsman, otherwise they will consider my case closed.

 

Well if that isn't completely ignoring the issue I don't know what is. Also, their letter states they have not received payment since July 2003. Does that not make the debt statute barred? So what now? Do I go after the financial ombudsman like they suggest or do you suggest other tactics?

[silverfox1961]

I would write back thanking them for confirming the last payment date was July 03 and, with that hit them with, NEH NEH NE NEHH NEH SB. Do not find your pot of gold at the end of this particular rainbow

[Crocdoc]

Ruthbridge have a history of buying Statute Barred Debt and then using heavy handed tactics to try and collect. Write back to them telling them that they have not addressed the issues raised in your original letter , however, you may find that they don't have a standard letter to answer the points you raise. Putting pen to paper appears to be beyond their very limited ability.

[allgold30]

Ok, thanks guys. I'm not particularly well up on what to write in these letters. Any ideas how to phrase it?

[Guest Old_andrew2018]

Try this link to a statue barred letter http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred

 

Andy

[PGH7447]

I'd frame that letter

[Fester Tester]

I'd also add in to the letter that since you have now advised them that the debt is SB'd, there is no point in further dialogue and all correspondance will be ignored. And should there be court proceedings instigated, you willl vigorously defend, and will seek costs, plus damages for harrassment.

 

Any court will accept that this is all you need to do; you have appraised them of the situation, and need do no more.

[allgold30]

Yes good idea, thank you.

 

Where do I stand on having it removed from my credit file? It's the only thing doing my score any damage.

[PGH7447]

write to experien and tell them that this debt is over 6 years old and that there should be no trace of it on your file, when was the default notice issued?

[allgold30]

the default date is within the 6 years though which is why it is still there. Another couple of years before it can be removed that way.