Ruthbridge Limited

[Amejade]

Hi all,

 

Have just received a 2nd letter from Ruthbridge in a week. Googled them straight away and checked my credit history. Not very pleased with what I found on the internet about them.

 

The debt they say I owe does not appear in my credit file so I presume that if this was owed it is over 6 years old. Though I do recall that this debt was settled over 8 years ago and have never received a letter about it since until now!

 

So why are they chasing me for something that does not exist.

 

What should I do? Ignore or write a letter to them, I know never to ring them.

 

Thanks for your help

x

[t_k]

If you haven't paid anything towards this debt in over 6 years from today's date then it's stat barred = end of.

So just ignore them and report them to the OFT & trading standards if they persist in contacting you over it.

[BRIGADIER2JCS]

Hi, As you seem confident about the Statute Barred

status of this debt I suggest the following.

Dear Ruthbidge,

 

Ref:: xxxxx

 

Please take note I do not acknowledge ANY debt to YOU OR ANY company you may claim to

represent.

Acting on independant advice any my own research this ALLEGED DEBT IS STATUTE BARRED.

 

I am fully conversant with the Limitations Act 1980 and the OFT Guidance 2003 updated October 2011,

I therefore state formally that the alleged debt is STATUTE BARRED an I will Not be making any payment

or offer of payment now or in the future,

You will now cease to process any data concerning myself and remove all contact details relating to me

from all your records how so ever held.

Send RD,

 

Brig.

Edited December 4, 2011 by BRIGADIER2JCS
Can't type

[42man]

A good and brief letter above....Ruthbridge are well known for chasing debts that are statute barred.

[NailPost]

I'd just ignore them but keep a close eye on the credit history. Any adverse notes put on it by these leaches should lead to immediate and decisive action being taken. They can be forced to remove such information and make a payment towards your favourite charity!

[BRIGADIER2JCS]

At this point I think it would be unwise to

ignore any threats, many DCAs are becomeing

steadily mor litigious and any one can find themselves

with a judgement by default, the speed these actions

are being placed with is worry, ignoring a DCA when you

know the debt is statute barred it will just leave the individual

with letters and call etc., unnecessarily.

[dezza69]

Most posts I have seen concerning Ruthbridge are from people who at some stage had a debt they are aware of but it is past the 6 year limit. I received a letter from them dated 19th feb 2012 and I know I have no outstanding debt of any sort. A bankruptcy in 1999 cleared all prior debt and I have taken out no agreements over the last 12 years that have not been paid up in full. The difference is I know there is nothing outstanding so how do I approach this? I haven't called them.

[cerberusalert]

You can either ignore them or send this; http://www.consumeractiongroup.co.uk/forum/content.php?428-General-debt-letter-if-you-know-nothing-of-the-debt

[dezza69]

Wow, quick and very helpful, many thanks. I will ignore them for the time being but will be ready with that letter if needs be

[BRIGADIER2JCS]

Ruthbridge have been chasing debts that

were left with OS balances after a BR

see post 3 above, for a quick kill.

[dezza69]

Thanks for update brigadier2jcs

Will send that mail, and also report to all relevant authorities

[Revenant]

Hi allRuthbridge must have got hold of a case load of lemons . . .Two letters in three weeks for a debt that went SB'd Nov'10 due to total lack of paperwork . . .Nothing on my Credit file so just waiting to see how far they're willing to push things . . .RegardsR

Edited February 27, 2012 by Revenant
Spacing etc up the wall so no paragraphs

[dezza69]

credit card that was dealt with under bankruptcy, meaning pre 1999.

[42man]

Please make sure that you report these to the Office Of Fair Trading, I say this as their recent guidelines state this

 

c. creditors failing to identify to prospective debt purchasers debts known to be statute barred

 

stating or implying that debtors may be the subject of court action for the sum of the statute barred debt when it is known, or reasonably ought to be known, that the relevant limitation period has expired.

[dezza69]

Just an update on my above entries, last week I got contacted by a different firm over the same historic debt, so just because Ruthbridge get put in their place it doesn't mean the companies employing them will get the message or drop their pursuit.

[BRIGADIER2JCS]

That's because the debts are passed around (sold/assigned) without disclosing the satus of the debt, if they persist send the same letter.

[dezza69]

Any future contact from any debt collector regarding this and I intend to take details of reference numbers and begin legal action against the originating company under the laws relating to the bankruptcy. Once again, many thanks for both the original advice and continued swift responses!

[42man]

Where has the debt been passed to now ?

 

Did you read this thread ? - http://www.consumeractiongroup.co.uk/forum/showthread.php?351219-Setting-Aside-a-Statutory-Demand/page2