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    • you are in the info gather phase  get it.   it could be fraud or ID theft id you've moved since that EE was taken out.   the other accounts could well be statute barred if you've made no payments in 6yrs prior to their claimforrn. and if they were that would be extremely important to any defence as SB defence would blow those accounts out the water.   dx    
    • I'm trying to understand your story and I gather that the court papers were sent to the wrong address and the claim is in respect of an alleged parking matter but at incorrect address. This correct? please respond and then monitor this thread for a full response tomorrow  
    • I paid £500 for 6 months towards the arrears.  After 6 months I wanted them to capitalize arrears.   I was also slightly struggling to pay 500 every month. I understand I should not have stopped but I made mistake.   Shall I pay £1000 tomorrow?
    • DEAR ALL I have read all of the NEWBIES sections on Car Parking Management and default judgment ( https://forums.moneysavingexpert.com/showthread.php?t=5585047) but I have no direct idea how to proceed this. This is important for me to resolve as I have a pending house purchase mortgage lender refused because of the CCJ and if I don't set it aside soon, Vendors will sell to someone else!!! PLEASE HELP ME. I have paid a CCJ but in the same time I have sent a cover email to both Newlyn and Gladstones that my payment is not made because of acceptance of any aspect of the judgment. A little different to the above mentioned post, I actually got a notice from CPM and Gladstones and Debt Collection which I responded to refusing the claim, as a registered keeper, denying the incident and liability. They kept on sending me correspondence with wrong street address. I have provided them an updated address but they didn't send it there (I have to put Subject Access Request first to access all data, working on it) and my landlord sent all back with Return to Sender sticker. - I moved 6 months later (march 2019) to a new address and got a final notice from newlyn debt collection which under the influence of my panicked parents I have paid them with the above mentioned cover email (the enquiries lady at northamptonshire business centre assured me I can still submit N244 if I pay, didn't take her name, stupid me I know) - BUT requesting the Particulars of Claim from Northamptonshire Business Centre, I can see that the whole Claim as well as all of the relevant correspondence sent up to date (Gladstones, Debt Collection Plus) referred to a Claim for a WRONG STREET. They claim it was parked on parallel street, whereas the photographic evidence is for a different street. There was also no sign on that side of the pavement. BIG QUESTION IS Do you think I can set a CCJ aside on the basis of this event never happening and subsequent procedural errors? (sorry, I don't speak legal terms and English is not my first language) Please if you can help me, my whole family is panicked and angry at me about this and Vendors are on standby unless I am convinced I can win this. I wrote to the Business Park management to tell them about this to just confirm the photos are not from that road but I dont think they will get involved unless I write to the local MP.
    • Thank you, do you mean to ask for the dates of when I last paid them for the contracts that I may have had with them?   Is this essential for the Defence letter?   Though I am 99.9% sure I have never had a contract with EE, surely the Claimant's whole case would be dropped if I prove this to be the case?    Thanks!
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babybird

The Occupier letter

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Hi

I am new to this but there seems to be so much advice I hope someone can help me

Today i recieved a letter "the occupier" fro a company called Ruthbridge Ltd. Have googled it to find it a debt collectng agency. They have asked me to call them, but have speech difficulties this is not easy.

Any advice? The letter doesnt give any details of the debt or my name. But over the past 5yrs since splitting with my partner have had several debt agencys contact me regarding things we had together & he told me he was paying them as he was the one working whilst a raised the kids & I have ended paying them all & finally thought was free of it all & life was back on track

ANy advice would be so helpful as am now terrified am back to square one

Thanks

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Hi babybird - welcome to CAG

 

Ignore the letter - it's obviously a fishing exercise. Anybody chasing a debt legitimately would address it personally. Indeed it's against OFT guidelines not to do so & you could send them a copy with a complaint about Ruthbridge if you feel inclined.

 

If you read the forums you will appreciate the underhand tricks that Ruthbridge employ. If you call them they may try & make out you owe them money whether you do or not & for your trouble they will then have your phone number on which they will pester you endless times a day.

 

So ignore it, get on with your life unless somebody writes to you specifically stating account no, original creditor & amount owed & even then, post back here before you respond. :)


Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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Guest wino

Just to say foolishgirl is right - ignore it.

 

If you do get any letters in your name just pop back here and we will try to help you. Don't speak to any DCAs on the phone neither even if they call you.

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Ruthbridge are one company best ignored. They are completely toothless and not worth a second's consideration let alone a sleepless night of worry.

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Also bear in mind that Ruthbridge are known for chasing debts that are close to or are statute barred....i.e. you haven't made any payment or acknowledgment towards a debt in 6 years (5 in Scotland)...the statute barred rules also apply if there is a 6 year gap anywhere in the life of the debt, even if you have recently made payments...


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Ignoring it completely is best, but if you want to take the cheeky option, as one previous thread on Ruthbridge has said, you can send a letter back to them stating that you do not answer to the name of 'The Occupier'.

 

But, make double-sure that you sign it and put your name to it as 'The Occupier'. If nothing else, it confuses them.

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Ignoring it completely is best, but if you want to take the cheeky option, as one previous thread on Ruthbridge has said, you can send a letter back to them stating that you do not answer to the name of 'The Occupier'.

 

But, make double-sure that you sign it and put your name to it as 'The Occupier'. If nothing else, it confuses them.

 

I wouldn't waste good paper & stamp on them. :mad:


Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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YW babybird - have a good weekend...


Any knowledge I possess or advice I proffer is based solely on my experiences in the University of Life. Please make your own assessment of legality, risks & costs before taking any action.

 

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