Jump to content


Another Ruthbridge fan ... not


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3768 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

I received a letter from this honourable company some time ago, which went straight to the shredder after having read about them online.

 

Today I received letter number two, addressed to me:

------------------------------------

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 020 8734 3599.

If you have not established contact with this department within the next five days, an agent may telephone between the hours of .....

Yours sincerely

---------------------------------

Nothing to indicate what it is about, only their reference number.

 

I registered and checked on Noddle, there are no CCJs against me. I have 3 credit cards: one is up to date, and I have a repayment plan with the other two.

 

So all I can think of, is that this has to do with a debt before 2003. I can't even think that far back :)

 

So, do I ignore them?

Link to post
Share on other sites

have you checked experian and equifax?

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

Link to post
Share on other sites

Ruthbridge are well known for chasing duff statute barred debts that

no company further up the pond life food chain would ever touch.

They like to posture threaten all manner of ''nasty consequences'' for not

paying them.

 

Please check your credit files other than call credit(noddle and checkmy file which

tend to lag behind the others.

 

If nothing shows on the files and you are certain what thet are chasing (written confirmation)

and it is stat barred send this:

 

To the Compliance Manager

Ruthbridge Ltd.,

 

Ref:xxxxxxxxxxxxxxxxxx

 

Dear Sir or Madam,

 

 

I write regarding a debt for xxxxxxx which you allege is owed by me.

Please take note I do not acknowledge any debt to you or any company

you may claim to represent.

 

From advice received and independant research I have concluded that any

such alleged debt is STATUTE BARRED therefore I state that I will not now

or in the future make any payment or offer of payment now or in the future.

 

Furthermore you will cease immediately to process any personal data relating

to me and remove all data from your records.

I am fully conversant with the OFT Guidance on Debt Collection and in particular

the sections regarding pursuit of ststute barred debt, and the section regarding

the sale of statute barred debt without informing the purchaser of the status of

the debt.

Any further correspondence relating to this will be considered harassment other

than your confirmation of compliance with this instruction.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Try getting hyphonated it is painless and no one will know the difference:madgrin:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Equifax doesn't show any CCJs either, not for the last 8 years anyway. Before that, I can't even remember where I lived.

 

If I do send them that letter, then I'm effectively acknowledging receipt of their letter, and that I live here. Yes/no? Besides, I don't even know what they are chading.

Link to post
Share on other sites

Why not leave it a while and see if they follow up.

 

If they telephone, are you able to record the call? If not then just refuse to go through their security questions and they should, in theory, stop the call.

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

Link to post
Share on other sites

I have no problem in leaving it, just don't want a knock on the door LOL.

 

As for the telephone, I have caller display. If I don't recognize the number, I generally don't answer. Even when I do answer, I refuse to give any answers until they tell me who is calling and what it is regarding.

Link to post
Share on other sites

Just wait and see until they state what they are chasing, then when you

are sure the debt is statute barred send the letter I have drafted for you.

You ca be sure that they know who you are and where you are, tracing

methods today can find an individual in minutes.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

wait for them to play their fake cards first!!

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

Link to post
Share on other sites

  • 3 weeks later...

I went out this morning, and when I came back, there was a card from Royal Mail to inform me that a recorded delivery letter has been left for me at my post office. Now I am not expecting anything, and wondering if this could be a trick to establish that I do indeed live at this address. Maybe I should go and ask the post office if they could tell me who it is from, and maybe I could Google it?

Link to post
Share on other sites

It should have the senders address if it's sus refuse

to accept the letter.

Most DCAs don't use RD because of the cost.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

:!:

Panic over. Someone actually sent me some money :-D

 

 

 

:whoo:

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

thats a good thing :)

The Tally so far in order of appearince:

Intrum Justica

:DNow gone from my life

Metropolition

:DGone and had to repay me 500 pounds

Red(Lowell)

:DCase Closed

Aktiv Kapital

:pWas so sad yo say good bye. Parting is such sweet sorrow.

MBNA :oops::-) No CCA No Debt You lost

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...