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    • Thank you. The npower debt was from 2019/2020 until EON took over the account late 2021.   npower had set a DCA on me even though I owed them nothing. I spoke to a customer service agent, following up by email, who confirmed I was in credit . I made a complaint to head office who sent a barrage of emails, changing the amounts each time. According to them, I owed £279.   The debt grew to what it is now as first npower and then EON subsequently failed to put a payment arrangement and direct debit in place to pay off this supposed sum and my ongoing bills.   I was very ill with Covid, struggling in lockdown with a disabled child and informed them of all this.   EON stopped their legal action when I took them to the ombudsman as this was part of my complaint and requested remedy but I have not received a notice of discontinuance.    I would like to set up my own dd to pay them off but am concerned they could still take legal action. I am on a low income and can’t afford to pay them more than a token amount each month.   
    • Thank you guys! @lookinforinfo thank you for the case, it seem to similar with my case which is gold. @Nicky Boy shouldn't be ICO?   Personal data breaches: a guide ICO.ORG.UK   For CAG I found this  The Confidentiality Advisory Group (CAG) is an independent body which provides expert advice on the use of confidential patient information. This includes providing advice to us, the Health Research Authority (HRA) for research uses. It also provides advice to the Secretary of State for Health for non-research uses.
    • HB - yes I agree it is about their paperwork and advice.  I need to be clear in my head what my complaint is.  And what a result looks like for me? (They should never have placed me with the shark with whom I've had all sorts of issues - but I don't think that's my complaint focus -v-  broker) 
    • HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker.  Indeed, but if the Ombudsman is prepared to accept the complaint, it would be about the advice given by the broker and their paperwork, wouldn't it? You seem to be asserting that the problems you've had stem from their bad advice. HB
    • Aesmith - wanted a btl was placed with a bridge.  The broker did no affordability check, no fact find, no income check, they filled in all the forms - just sent the signature page to sign. The question was/ is - with a high-paying short-term tenant in situ and a history of other high rentals should they have been able to secure a replacement btl?  I'd had a btl for donkeys.  The valuations were way off for the bridge.  As was discovered down the line. HB - all sorts of issues have been in court; the main one re repo remains in court, no resolution.  They all stem really from bad advice by broker. 
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    • We have finally managed to obtain the transcript of this case.

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      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Another Ruthbridge fan ... not


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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?

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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:

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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:

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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.

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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

1: How can BCOBS protect you from your Banks unfair treatment

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

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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.

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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:

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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... 

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  • 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?

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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:

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:!:

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:

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