Ruthbridge!!!

[SparklySue]

Hi all,

 

I'm a newbie here, have been lurking for a few days and think this site is fab!! Was wondering if anyone could help with this:

Received a letter 6th March from Ruthbridge addressed to the Occupier asking to contact the undersigned on a freephone number - was suspicious of this so kept the letter but never called them. Then received a letter on 13th March addressed to myself with a ref no, (after reading some posts it looks like its an internal ref with the initials of the person I would be dealing with!) saying I had been traced at the address and to contact the Recovery Divison immediately.....if I didnt contact within 5 days an agent may call between 7am-9pm! There is no details of any amount or who it could be for or reference apart from theirs! I have not called them after reading about them - NO CHANCE LOL!! The only thing I can think this may be for is an old mobile bill that I did forget about when I moved house, maybe around £150 or so, I dont think its quite statute barred yet, I live in Scotland and I think the last I paid was around end of 2005-2006! My question is do I just wait for them to send a letter with more details as it does seem very vague. Then if they do get in contact, what should letter should i send for a mobile contract? I havent checked my credit score yet, thought everything was ok as I was able to get a mortgage a couple of years ago, and cant think of anything else it could be as everything else is paid off or just about paid!!

 

Thanks for your help with this!!!

[cerberusalert]

You can send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt the onus is then on them to prove a debt exists, what it is and that they have the right to collect.

[SparklySue]

Thanks for that!!

 

i will wait with baited breath for the next thrilling installment from them LOL!!

[angrydebtor]

i do laugh at the way they assume you will stay in all day between 7am and 9pm just to be there when they knock lol

[SparklySue]

LOL!! I doubt very much they've got agents all over the UK or would fork out to send someone to Glasgow! they can try, but they will be getting ignored! I have to say, from reading all the posts about them they sound like eejits!!! I was a bit terrified at first, but now know there's a slim chance they will turn up at my door and if they do I just wont answer, or tell them to get lost!!! They havent even said what they are writing to me for, so hopefully they are just fishing!!

[cerberusalert]

Whatever the debt (except mortgage) if no payment or written acknowledgement has been made, because you're in Scotland, it will become Statute Barred after 5 years.

[SparklySue]

Well, come to think of it I actually had to get a credit check last year as I took on a temp job at a bank..... Would it not have shown up if it was not statute barred? Mmmm!!

[cerberusalert]

Not all CRAs have the same information, so it might not show on one where it might on another. Obviously they drop off after six years from a credit file although they become Statute Barred after 5 in Scotland.

[NailPost]

Why bother with a stmp if Ruthbridge have yet to come up with anthing definate. As far as you know this may not have anything to do with you. I have found that ignring Ruthbridge is better than giving them the time of day.

[Huff&Puff]

I agree with NailPost. Recently myself and another Cagger were being chased by Ruthbridge, and he responded while I ignored. The response from Ruthbridge was identical in both cases, we got exactly the same threatograms on the same days until they gave up. Which shows how much notice they take of anything you write to them.

[harrassed senior]

That would be me - and no still nothing:D

[NailPost]

It seems Ruthbridge's application for renewal of its consumer credit licence is still being considered by the authorities.

 

Submitted on June 12,2009 it is still listed as "pending" on the OFT website.

[SparklySue]

Hi all, thanks for all your advice!!

 

I'm not going to write to them at the moment because I have no idea why they are writing to me!!! They have put no details on their letter apart from their reference number! I have never had a letter before from anyone that doesnt state the amount owed etc...:-|

[Huff&Puff]

You will get a series of about 6 or 7 letters, curiously they start off really heavy, threatening bankruptcy, and get milder as they go on, finishing up with an offer of a "debt counselling service". After that they will go away.

[NailPost]

And the debt counselling letter comes with an array of credit card logos - so you can pay more easily! Ruthbridge never mention either that debt counselling plays no part in their consumer credit licence.

[F_DCAs]

Ruthbridge are one of the most terminally idiotic firms out there. Evidence on previous threads appears that they are very easy to see off.