Ruthbridge and st Credit

[Christiansdad]

Hi

 

I've recently recieved 2 letters one fron ruthbridge and one fom 1st credit limited asking me to contact them. I've been reading these forums since but still cant feel at ease.

 

I have no outstnading dept tht i can think of, ive been over and over it in my head for days now, its currently 4.26am so you can see its getting to me.

 

I don't really know what the best cause of action to take is? any info or advice right now would be greatly appreciated.

[dadofholly]

Hi

 

I've recently recieved 2 letters one fron ruthbridge and one fom 1st credit limited asking me to contact them. I've been reading these forums since but still cant feel at ease.

 

I have no outstnading dept tht i can think of, ive been over and over it in my head for days now, its currently 4.26am so you can see its getting to me.

 

I don't really know what the best cause of action to take is? any info or advice right now would be greatly appreciated.

 

Simply ignore them - and dont let it worry you.

 

It may be that they are looking for someone of a similar name and are just trying it on.

 

If they cannot be bothered to tell you what it is about in a letter it probably means they are unsure you are the right person.

 

And besides that - neither of these organisations have any powers they can use against you.

 

So relax - bin the letters - and if they do ever decide to let you into the secret of what this is supposed to be about - come back here and we will tell you how to deal with it.

[BRIGADIER2JCS]

It would be wise to check your credit

reference files now, Ruthbridge are

well known for pursuing all and possibly

statute barred debts.

Certainly do not contact either company,

but I do urge you to check CRAs for any

searches or very old (up to 6 years) accounts.

[Christiansdad]

At the risk of sounding stupid how do i check CRAs? is that something like experian?

Edited January 30, 2012 by Christiansdad

[dx100uk]

see my sig below

 

dx

[BRIGADIER2JCS]

Experian (Credit Expert) Equifax (personal soutions)

have free trial periods, remember to cancel before

the end of 30 days.

DX gives an excellent guide above.

[Christiansdad]

Thanks for all the help and the very quick reply. will have a look when i get the chance. was more worried because i cant think of anything that i owe, i know some people on here were aware of old dept.

[Bazooka Boo]

It might just be you have a familiar name, they often use this outdated approach to blanket bomb an area in the hope it will rattle some random person into phoning them, toothless ruthbridge and 1st crudit are a waste of space, ignore them, and check your CRF file.

[Christiansdad]

UPDATE

 

Recieved another letter today from Ruthbridge claiming i owe Cabot? £4900 for a credit card dept, I've never had a credit card form anyone like that. How do they get away with sending out stuff like this? suerly its illegal? what if they send it to some vulnerable person who feels intimidated to pay?

 

These companies rally should be closed down staright away.

[BRIGADIER2JCS]

Hi, Cabot are a debt purchase Company they will

have bought a credit card debt from a card provider.

They do not provide credit cards.

You need to check your CRA files, to see what is showning.

Does not the lettershow which company is the original creditor.

Then send a CCA request to Ruthbridge, they are known for

chasing debts that are statute barred or nearly so.

[Bazooka Boo]

And make all of the relevant complaints to the OFT/TS and your local MP.

[Christiansdad]

Thanks again for the replies, ive opened an account with Experian but they need 2 working days to comfirm details before i can see anything.

 

I've looked at the letter again, it claims the original lender is MBNA, ive only ever had 2 credit cards one was through Halifax and the other Barclays, is there a possibility that either of these could have been through MBNA?

 

If there had been any outstanding balance on either of these cards i dont understand why they would not have contacted me before selling any dept (if any did exist).

[dadofholly]

If you have never had a creit card from MBNA they have probably got the wrong person - lets see what shows up on your credit file.

[chattanooga]

I'm certain both Barclays and Halifax issue their own cards only. Could it have been a store card? I seem to remember reading MBNA were behind some of those.

 

I'll bet there's no mention of MBNA on your file though.

[Christiansdad]

Well i've just checked my credit file with creditexpert and amazingly there is no mention of MBNA anywhere. Also all of the information in my account information is satisfactory with a balance od £0 or settled.

 

Is it worth reporting these guys? or just let it run its cause and hope they go away?

[BRIGADIER2JCS]

Another one of Ruthbridges no hopers

I'd say statute barred so send as follows,

 

''Dear Curr or Madman,

Take note I do not acknowledge any bebt

to you or any company you claim to represent.

Further to your recent correpondence reagarding

a debt allegedly pwed to XXXXX,

From andvice received and my personal research I

have found that any such alleged debt would now

be STATUTE BARRED, that being the case take note

that I will not make any payment or offer of payment

now or in the future.

I am sure you are fully aware of the OFT guidance 2003/

amended October 2011 and the sections regarding the collection

of SB debts.

You will threfore cease forthwith processing any data relating

to me, and remove all address data from your files.

Any further correspondence will be forwarded to the OFT with

my complaint.

Send RD.

 

 

Brig.