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    • Yes I understand that, my point is why is the account still be reported on 6 years after the default date has passed regardless of the SB date.   The default expired 4th November, Cabot put a query on the account the 7th November so it is still showing in my history, my question is why are they doing it?        
    • You will have to go to court to get an order  and once that is doen then you both have to abide by it. The actual form filling is not complicated and the first court session doesnt actually make any decisions and you will be advised to reach an agreement that can then be set in stone by the court.   the father has a right to "contact", but this is not the same as having the right to demand a particular set of visits, stopovers etc so decide what you want, and how this is practical and then ask that the contact be limited to this. for example if you work your contact will all be gettinmg them up, feeding them, putting them to bed and have no fun time at weekends if has has them then. The courts will do what is in the best interests ogf the child so you need to stop being jealous of their love for their father and dont try and use the system to punish him or the children. If he was abusive or controlling them read up on the serious crimes  act  2015 about controlling and coercive behaviour and see how amny fo the examples fit his behaviour and use that to get the courts to set lterms that  limit that behaviour instead of using the children as the tools.
    • Does anyone know if a person has the right  to use a lay representative in the family division of the county court? the wording of the Lay representatives(right of audience) order 1999 refers to a county court and stage 1 or tier 1 proceedings and Scots law have a form to fill out for such representation but it isnt clear whether the english system has such a clearly defined right of audience. The MoJ mentions it in some discussion papers as though it is hard and fast but in other documents  it is McKenzie Friends who are written about as if they are the only people allowed other than sols/barristers.   reason why lay rep needed is they can speak and the other side cant object where with McKenzie friend they cant speak on behalf of claimant/respondent and the other party can object to that person being present- which will happen  in this particular case. Ultimately it may well be a discretionary power of the judge but dont want to start off with a bad step.
    • It seems as though the solicitoras want to keep hold of this payday and will do anything to churn it ( make money by continuing an action that isnt in the clients interests).   The land registry will have the record of who paid for the property and how so you will be in the clear on that as you didnt just take the place over, you bought it from the estate of the deceased.   now it seems like your mother is struck by regrets/remorse over her inability to take over the property at the time and what tends to happen is that relatives will sit there and say bad things about the person who they see is the beneficiary of their misfortune and then get into a feedback loop, each reinforcing the wrong opinion of the other.   Your attempts to sort things out logically ahs tempered this somewhat so do continue and keep clear of their  lawyers at all costs, they will just keep the meter ticking over and bring the negative thought back to the surface.   your parents will already be about 2 grand a day down on anything the sols have done so try and get them to  look back to the mess that her father's death left them in and amke it clear that at least the house is still in the family and that she has benefitted from that by receiving money at the time that otherwise she wouldnt have got.   If that still causes friction then I would still write to them rather than responding to the solicitor, the lesson they will learn will cost them less and when the sols have moved on to the next client they will have not lost so much of what they still have left.   Ultimately if they do actually issue proceedings you can ask for the claim to be chucked out as having no merit etc by showing how the place was bought. I do struggle to believe that people dont know who their mortgage was with even after all of this time,  same as I find it odd that people suddenly find details for accounts with tens of thousands in that they had forgotten about. You can find out as again it will be in the Land registry entry for most properties that had a mortgage
    • A claim was issued against you on 30/07/2019 Your acknowledgment of service was submitted on 31/07/2019 at 18:14:49 Your acknowledgment of service was received on 01/08/2019 at 08:05:52 Your defence was submitted on 30/08/2019 at 23:17:46 Your defence was received on 02/09/2019 at 01:06:05 DQ sent to you on 27/09/2019 DQ filed by claimant on 27/09/2019 You filed a DQ on 23/10/2019 Your claim was transferred to BIRMINGHAM on 14/11/2019
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vegas1979

You've heard it before but please help(Ruthbridge)

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Hi all

Just joined this forum and new to all this.

I recently received a letter 'To the occupier', which being a bit suspicious of its contents i googled. Its at this point i discovered who they are and all the problems people have suffered from these cowboys. As you can imagine i did not contact them after reading this stuff. Now i know i defaulted on a credit card balance a number of years ago. So i began to think that it was because of that. My thoughts were confirmed yesterday when i received another letter with my name on it. Although it doesnt state what they want to speak to me about it doesnt really take a genius to work out what it will be about. Now reading up on them i have discovered that if its over 6 years old, which it is, its then unenforceable, so if i dont acknowledge the letters and any phone calls regarding it, is there anything they can actually do about it. Any help will be greatly appreciated.

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Wait until they write again mentioning what the debt is. If it is Statute Barred, send this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/599-letter-sent-when-debt-is-statute-barred


Anthrax alert at debt collectors caused by box of doughnuts

 

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I would be inclined to send anything else you get from them back in the post 'return to sender, addressee not known'

 

Funnily enough I rang them Saturday, with a reference number of a fellow cagger, and within the space of 30 seconds I had his name and address! So much for data protection.

 

The fact that they are 'still' ignoring the OFT and sending out letters addressed to the occupier is indicative of how professional this outfit really is.

 

You can either ring them up on the freephone number along with the ref no. they gave on the letter addressed to 'the occupier' and hope that you get the same moron I had, give them a different name, and tell them you have lived at the property for a few weeks, they will then 'update' their files???

 

Or simply ignore them, and stick them back in the post.

 

Or hit them head on...


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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and report them to the oft for sending a to the occupier letter


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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and report them to the oft for sending a to the occupier letter

 

Of Course!The Office of Fair Trading: Contact us


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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The OFT are apparently monitoring this bunch of cowboys. Send copies of the letters you have received to OFT hq but ignore Ruthbridge. They are one company that are just not worth the effort of a reply.

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thanks everyone for your posts

I am so glad i looked at this forum up on the net before i rang the number on the 'to the occupier' letter. Is it right that said letter is against OFT regulations due to the fact that they have not outlined the reason they have contacted me in it. Was trying to work it out last night and i am pretty sure that its over the six year period, if not it will be by feb 2010, so in the worse case scenario that it is febuary, am i still within my rights to ignore them til i am 100% sure the 6 years has lapsed. Is there any legal implications if i gave a false name on the phone should they ring. According to the last letter i have 5 days to contact them before the mysterious 'local agent' will call. Through reading these forums, ive been informed that this means the phone calls will start.

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Is [are] there any legal implications if i gave a false name on the phone should they ring.

Who says that it is you that answered the phone. They could have dialled the wrong number. You could have a visitor who has answered the phone. etc etc.


I really do appreciate all those 'thank you' emails - I'm glad I've been able to help. Apologies if I haven't acknowledged all of them.

You can also ding my gong if you prefer. :)

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If Ruthbridge are involved then the debt's 99.99999% certain to be Statute Barred.


Just hate every DCA out there

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Again thanks for the info

Been a week now and since i received the last letter. Unplugged my house phone(dont use it anyway its purely there for internet purposes). Do you think they've forgotten about me.Ha Ha.(very unlikely) Will keep you posted on the next letter. Although i would love to know the letters contents, is my best course of action to not open it and return to sender addressee not known?

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if it is not addressed to you then yes, tied around an old copy of yellow pages


PGH7447

 

 

Getting There Slowly

---------

 

Advice is given freely but is in no way meant to be taken as Gospel:-)

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and if it is addressed to me and i still send it back addressee not known. what then?

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Well I am of the belief that whatever is posted through my door is intended for me, so if I open it in 'error' and then on reading it realise it is not intended for me, I simply cello-tape it back up and pop it back in the post marked 'Opened in Error, not Known at this address'

 

Besides, if it is addressed to you, unless the letters are sent recorded how are they supposed to know it has been delivered?

 

Alternatively it might be better dealing with it head on as you may be putting off the inevitable, so, see what it is they purport to want and post up their request/threatogramme and we will advise accordingly.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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(post up their request/threatogramme and we will advise accordingly.)

 

cheers guys

once i receive a letter that has more information on it i will post.

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