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    • I am aware of this treatment. Field Debt Solutions approached me at my door claiming to have a warrant of entry, (one of many lies they used) they KNEW I was classed as vulnerable prior to the visit. This was (later found out by The Ombudsman) allegedly to install a pre payment meter (They know I can not use one). Long story short: I was threatened with criminal damage, the police and them not moving till I let them in. They stated they had a warrant, they did not. One FDS employee was waving a crowbar and smiling, the other was basically terrorising me through the window. I complained to EON and all that they did was lie further, covered up their behaviours After contacting the OMBUDSMAN all the truth came out. I am totally disgusted with the way this company operate. I am equally disgusted that the Ombudsman ere not taking any of the FDS Employees behaviours into account (yet all my claims were upheld) this feels like this section of the whole process is left wide open and that's why this is happening imho. The Ombudsman made me feel like they work for EON, (when it came to the consideration of the employees from FDS, they seemed immune to scrutiny) a very confusing and shocking experience when the penny drooped. I have looked at CISA (?) whom are some sort of organisation who debt collection agencies register with (no idea what for) anyway, FDS are not registered, I can not find them anywhere, they are like some sort of enigma and this is where i am thinking how they are protecting themselves from scrutiny and people gaining remedy from them. I also witnessed a EON employee telling me that "FDS do not have to answer anyone," they would not give me any way of complaining directly to them as is the Gov's advice before A Small Claims Tract. I am just making sure now that I record all my efforts to do what I can to give a chance for FDS to attempt to put right what they did to me. I have witnesses and I intend to take them to court. EON has damned them and all the info they provided shows how messed up and disgusting they are, I seriously have witnessed staff laughing at me on the phone when I am trying to tell them what happened. I t seems if you do not pay a bill (in my case this was out of my hands) Then your deserving of what seems to me an inside laugh as the know how we (the vulnerable) get treated when FDS turn up, yes, very much felt this and challenged one employee once.. I have spoken to a Solicitor and they are happy  to do something for me over this. Also the police were phoned by myself even though they threatened me with police "To Help Them Take My DOOR OF ITS HINGES" The police did turn up, they told me that they rarely ever turn up for these idiots as the FDS and others attempt to use the police through bull crapping them. They also said go through a few hoops and if your not happy come back to them, I have a mobile number as they said that a crime number would come after I have exhausted the other moves. They do not like these Debt People one bit, that was comforting. Sorry if this is a little all over but it was all over complexed (I can see why now) but  just wanted to share my experiences and I will be happy to share further if anyone needs to know. I am still wondering what to do but one thing is for sure, I will not be going away, EVER! good luck
    • what does it say if the claimant fails please?
    • Thanks for the feedback.  We have a professional surveyor friend who is willing to give an opinion, and once done as you say, there's no reason not to inform insurers. And as Eric's brother says, that will also give us, hopefully, a more specific discussion with neighbours. No, we can't view the neighbour's roofing from where we are, and neither can they as it's under their conservatory (we always thought it was a bad move on their part to cover felting with a conservatory!) Interesting that council have enforcement powers, hadn't realised that.  I've also had a builder advise, without visiting the site, that the dividing wall (which may be double-skinned) should have waterproof capping, which it doesn't; so maybe a simple solution is to install that across top of both sides.  Anyway, some next steps for us to take so thanks again.
    • un-en doesn't mean its written off but SB'd passing does.. and no why should you get the money??   they are notional charges that weren't paid by you anyway in the 1st place as there is was outstanding balance greater than the refund.
    • If WFH is what leaves people feeling unsupported then I completely agree that's not good.  I wonder if some organisations were better at keeping communication open, managing the situation and making their employees still feel supported and included.  It's likely there have been lessons learned.
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      I was in Sainsbury’s today and did scan and shop.
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angry cat

RUTHBRIDGE Limited

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Anyone had dealings with this company?

 

I note that there have been many complaints made about them and their OFT CCA Licence remains, open...

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Can anyone confirm that Ruthbridge Limited, pursue SB debts?

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Have a happy and prosperous 2013 by avoiiding Payday loans. 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.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. 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.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Have a happy and prosperous 2013 by avoiiding Payday loans. 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.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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OOH, Ruthbridge are busy bees!

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Okay, will fill you in.

 

I am acting as a representative for another party and hold an 'Authorisation to Communicate' on behalf of same.

 

The party in question has been pursued by DCA's various in relation to a SB debt.

 

Now, up pops Ruthbridge!

 

"Dear xxxxxxx,

 

We note that you have failed to respond to mail directed to you.

 

YOU HAVE BEEN TRACED AS LIVING AT THE ADDRESS STATED ABOVE. PLEASE CONTACT OUR RECOVERY DIVISION IMMEDIATELY ON 02087 343594

 

If you have not established contact with this department within the next five days, an agent may call.

 

Yours sincerely,

Jason Evans."

 

Note that, the letter does not give any details nor, reference to any creditor?

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Note that, the letter does not give any details nor, reference to any creditor?

 

...because their efforts are directed at getting people to phone them so they can use their well worn techniques to browbeat them.

 

Unfortunately, whilst the OFT consistently fails to regulate in any meaningful way, Ruthbridge and the other dregs of the industry will continue to try it on.

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Well this is easily addressed-I am sure you know how to respond.


Have a happy and prosperous 2013 by avoiiding Payday loans. 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.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Under normal circumstances, I would firstly send the prove it letter.

However, as Ruthbridge commence their correspondence with a letter to;

the occupier.

Their second letter is addressed to an individual, asking for that individual to phone them but makes no reference to what the matter is about!

 

They also state, an agent may call within the next five days. (The five days has expired)

 

One can only presume, that there will be further contact?

Perhaps, from Express Delivery or Swift Delivery (trading names of Ruthbridge)

within the next few days?

 

At this stage, maybe it will be best to wait and see, as we do not know what they are talking about; we are in the proverbial dark.

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If my memory serves me correctly, the next letter will be:

 

Notice Before Proceedings - ignor or reply - same result

 

Without Prejudice - commencing Bankruptcy Proceedings - ignored

 

Contact Centre - ignored Lapse between February and May when taken up by : Muck Hall - Doorstep Assessment - An authorised meritforce collector will make a visit to your property etc. ignored

 

Muck Hall Reduced Settlement letter - ignored

Cabot - trying to get CCA information requested or Equidebt 2009

 

Thats it to date!


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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If my memory serves me correctly, the next letter will be:

 

Notice Before Proceedings - ignor or reply - same result

 

Without Prejudice - commencing Bankruptcy Proceedings - ignored

 

Contact Centre - ignored Lapse between February and May when taken up by : Muck Hall - Doorstep Assessment - An authorised meritforce collector will make a visit to your property etc. ignored

 

Muck Hall Reduced Settlement letter - ignored

Cabot - trying to get CCA information requested or Equidebt 2009

 

Thats it to date!

 

Yes, we know the game, HS!

 

However, very hard on the recipient....

 

Amazing, that this firm continues to breach the OFT Guidelines on Debt Collection and that, the OFT appear to be doing nothing to stop them.

 

Rest assured, that I, as the 'representative' will be logging a complaint with Consumer Direct and submitting a formal complaint with the OFT.

 

If anyone is in a similar position Re: Ruthbridge Limited or their trading names:

Express Delivery;

Swift Delivery;

Christie Investigations.

 

REPORT THEM TO THE OFFICE OF FAIR TRADING!

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Have already done that, heard nothing though apart from an acknowledgement.


Every journey begins with a single step :):)

 

Please note: I have no qualifications in this area - my advice is learned from the wonderful members of this Forum. Thanks to you all for your help.

 

If you have found my post helpful please leave a short message by clicking the star to the left of my profile - Thank You

 

The only person entitled to your Personal Finance details is a Judge not a DCA

 

Move all banking activity to another banking group if you have a dispute - your funds can be used to offset debts within the same group.

Be careful with Banking details (card/account numbers) as these can be used to take unauthorised payments.

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OMG!

 

The Office of Fair Trading, has renewed the CCA licence of Ruthbridge Limited, without imposing 'requirements' upon them?

 

However, the following has been removed from their Consumer Credit Licence:

 

"Trading Names:

Name Action

Christie Investigations Removed

Express Delivery Removed

Swift Delivery Removed

 

Categories:

Category Action

Consumer credit Removed

Consumer hire Removed

Credit brokerage Removed

Credit reference agency Removed

Debt adjusting/counselling Removed".

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CCA Search :: CCA Search Results :: Licence Details :: Licence History :: Event Details

 

 

Event Details

Licence Details:

Licence/Application Number Licence Status Applicant/Holder Name

0377496 Current Ruthbridge Limited

 

Event Details:

Event Number Event Type Date of Receipt Closed Date Status

30 Renewal 12-Jun-2009 23-Jul-2010 Completed

 

Licence Event Details:

Role Name Action

LICENSEE Ruthbridge Limited Added / Retained

Officer Alice Amissah Retained

Officer Emmanuel Amissah Added

Officer Mr Emmanuel Amissah Removed

 

Address Type Address Action

Correspondence Ruthbridge House, 15 , London Road, TWICKENHAM, TW1 3ST, United Kingdom Added / Retained

Principal Place Of Business Ruthbridge House, 15, London Road, TWICKENHAM, TW1 3ST, United Kingdom Added / Retained

Registered Office 13 Princeton Court, 53-55 , Felsham Road, LONDON, SW15 1AZ, United Kingdom Added / Retained

 

Trading Names:

Name Action

Christie Investigations Removed

Express Delivery Removed

Swift Delivery Removed

 

Categories:

Category Action

Consumer credit Removed

Consumer hire Removed

Credit brokerage Removed

Credit reference agency Removed

Debt adjusting/counselling Removed

Debt collecting Retained

Provision of credit information services, excluding credit repair Removed

 

Canvass Off Trade Premises Details:

To restrict the provisions of the licence to exclude the right to canvass off trade premises for debtor-creditor-supplier agreements or consumer hire agreements.

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Right to canvass of trade premises: NO!

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Dunno if i'm on the right part but just looking for some advise on RUTHBRIDGE......my x partner received a letter from ruthbridge last week asking him to contact them (this letter also had my name on....well in a fashion!!) anyway not knowin wot it was about he contacted them and they said they were collecting a debt on behalf of marlin finance for a car debt that he had for a car.....he doesnt have any of the paperwork from this but we think that he returned the car in aug 2003/2004(think it was defo 2003...but these companys put doubt in your mind!!) sorry dont know any exact details.....this was after paying for almost a year...from the car going back there have been no payments made by him or myself and no contact made since this time either until last week......he sent them the statute barred letter and now they have left a message on his phone saying that the debt is not sb and that there was a payment made in nov 2005.....which neither of us have any recollection of....like i say we havent heard anything regarding the car since it went back.......just looking for some advice on what to do next???

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