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    • Hi I received a Parking Charge letter to keeper on Monday 15/04/24, the 17th day after the alleged incident. My understanding is that this is outside the window for notifying. The issue date was 08/04/2024 which should have been in good time for it to have arrived within the notice period but in fact it actually arrived at lunchtime on the 15th. Do I have to prove when it arrived  (and if so how can I do that?) or is the onus on them to prove it was delivered in time? All I can find is that delivery is assumed to be on the second working day after issue which would have been Weds 10//04/24 but it was actually delivered 5 days later than that (thank you Royal Mail!). My husband was present when it arrived - is a family member witness considered sufficient proof? 1 Date of the infringement  arr 28/03/24 21:00, dep 29/03/24 01.27 2 Date on the NTK  08/04/2024 (Date of Issue) 3 Date received Monday 15/04/24 4 Does the NTK mention schedule 4 of The Protections of Freedoms Act 2012?  Yes 5 Is there any photographic evidence of the event? Yes 6 Have you appealed? [Y/N?] post up your appeal] No    Have you had a response?  n/a 7 Who is the parking company? GroupNexus 8. Where exactly [carpark name and town] Petrol Station Roadchef Tibshelf South DE55 5T 'operating in accordance with the BPA's Code of Practice'  
    • lookinforinfo - many thanks for your reply. It would be very interesting to get the letter of discontinuance. The court receptionist said that the county court was in Gloucester 'today' so that makes me think that some days it is in Gloucester and some days its in Cheltenham, it was maybe changed by the courts and i was never informed, who knows if DCBL were or not. My costs were a gallon of petrol and £3.40 for parking. I certainly don't want to end up in court again that's for sure but never say never lol. Its utterly disgusting the way these crooks can legally treat motorists but that's the uk for you. I'm originally from Scotland so it's good that they are not enforceable there but they certainly still try to get money out of you. I have to admit i have lost count of the pcn's i have received in the last 2 yr and 4 months since coming to England for work, most of them stop bothering you on their own eventually, it was just this one that they took it all the way. Like i mentioned in my WS the the likes of Aldi and other companies can get them cancelled but Mcdonalds refused to help me despite me being a very good customer.   brassednecked - many thanks   honeybee - many thanks   nicky boy - many thanks    
    • Huh? This is nothing about paying just for what I use - I currently prefer the averaged monthly payment - else i wouldn't be in credit month after month - which I am comfortable with - else I wold simply request a part refund - which I  would have done if they hadn't reduced my monthly dd after the complaint I raised (handled slowly and rather badly) highlighted the errors in their systems (one of which they do seem to have fixed) Are you not aware DD is always potentially variable? ah well, look it up - but my deal is a supposed to average the payments over a year, and i dont expect them to change payments (up or down) without my informed agreement ESPECIALLY when I'm in credit over winter.   You are happy with your smart meter - jolly for you I dont want one, dont have to have one  - so wont   I have a box that tells me my electricity usage - was free donkeys years ago and shows me everything I need to know just like a smart meter but doesnt need a smart meter,  and i can manually set my charges - so as a side effect - would show me if the charges from the supplier were mismatched. Doesn't tell me if the meters actually calibrated correctly - but neither does your smart meter. That all relies on a label and the competence of the testers - and the competence of any remote fiddling with the settings. You seem happy with that - thats fine. I'm not.    
    • Evening all,   So today, I was sent an updated offer that includes the £12.60 I spent on letters, but they have declined to add the interest at £7.40. They have stating 'We acknowledge your request to claim interest to date, however, this would be at the discretion of a trial judge if the claim did proceed to a trial hearing.' I think I am content with this outcome, and pushing this to a trial for a total interest of £15.30 throughout the claim does not make sense to me.   What are people's thoughts? I am sure our courts have better things to concentrate on?
    • FFRSG3424ListofEvidencepdf-V1 2-merged.pdfFFRSG3424ListofEvidencepdf-V1 2-merged.pdf 2pages T&C,s UCM
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Ruthbridge chasing a debt that is not mine


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This originates from Cabot Financial who tried to via CCS Collections to obtain £875 on their behalf, no client was listed.

 

I wrote back making it very clear that I have no outstanding debts that have not been serviced

and that if the alleged debt was mine which I know it is not then please provide the proof.

 

After a couple of letters exchanged they admitted that it was an electronic request and they had not provided any paperwork.

 

Now I have Ruthbridge on the case after £2625.70p owed to the Bank of Scotland??

 

I have never had any dealing financial or otherwise with the BoS or any associated company.

 

Having read the background to Cabot Financial and Ruthbridge it seems both could best be described as chancers who chase statute barred debts

and do have a habit of chasing anyone who might fit the bill to get some money.

 

Is there anything I can do get these vultures to go away permanently?

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Try with a CCA Request... See if they have it...

You can usually fox them out with this.... I also wonder if they have traced the wrong individual

 

We could do with some help from you.

 

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

 

**Fko-Filee**

Receptaculum Ignis

 

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I had something similar with Robinson Way over an address in Surrey that I never had any connection with.

 

They even had the cheek to send a doorstep collector round who I promptly had removed by the local community police officer!

 

Since then, December 2012 I have had no further correspondence or visits from them.

 

I personally believe that someone with the same or similar name to me owes on old debts

and these have been purchased and are now being pursued.

 

I know the debts will be statue barred as I wrote a letter to occupants of the address who confirmed that they had been resident for over 7 years

and had received mail from DCA's which that they have returned to sender.

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firstly

 

check your credit file ensure no-one has taken out credit in your name.

 

if that's clear

quite honestly i'd not be sending anything

 

just encourages them.

 

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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Hi Ruthbridge is well known for being at the lowest point in the murky depths of the debt collection industry.

What ever you do do not be drawn into lengthy correspondence may I suggest the following letter that has seen them off many times in the past.

 

For the personal attention of :

 

Mr Emmanual Amissah

Managing Director

Ruthbridge Ltd.,

 

 

Date:xxxxxxxxxxxxxx

 

Ref: use theirs.

 

Re: Notice of Disassociation and Repudiation of Liability.

 

Dear Mr Amissah,

 

I refer you to recent correspondence from Ruthbridge Ltd., in relation to an alleged debt for £xxxx.xxx supposedly originating from an account with BOS, please take note I am not now nor ever have been a customer of BOS or any company in that group.

 

Therefore I do not acknowledge and debt to Ruthbridge Ltd., or any company it may claim to reperesnt.

 

For clarification and the avoidance of any misunderstanding please take careful note of the following points.

 

1. I am not now nor have I ever been a customer of any company of the BOS group.

 

2.Clearly Ruthbridge are pursuing me for this alleged debt without being sure that I am the debtor that owes the alleged debt, a breach of the OFT Guidance on Debt Collection

Section 3.9 ( a), (i) and (j) are relevant to this matter.

 

3.I require Ruthbridge Ltd., to cease processing all data relating to me and to remove it from all records ho so ever held.

 

4. Ruthbridge Ltd. WILL confirm in writing that it has complied with the above within 7 working days from the date heron.

 

5. Any further contact from Ruthbridge Ltd., other than that required above will be considered harassment and suitable action will be taken.

 

 

Yours etc.

 

 

Send by recorded / signed for post and check delivery date.

 

Please be aware that often this company does not reply, but are never heard from again.

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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I agree as regards sending nothing to Ruthbridge, there's no need. However, I do believe it is important to report matters like this to the regulators. Complaints to them constitute a vital component to the aim of controlling excesses in the debt collection cesspit and getting the worst offenders shut down.

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Having dealt with Ruthbridge many times in the past it is my opinion that to leave this alone would lead to more pressure on the OP.

Stop them now.

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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Having dealt with Ruthbridge many times in the past it is my opinion that to leave this alone would lead to more pressure on the OP.

Stop them now.

 

I agree, as with reporting any form of harrassment/unwanted behaviour you have to show you have asked them to stop if you want any action taken or else it can be deemed that they were unaware that they were doing anything wrong because as far a they are concerned they are chasing the right person

I have no legal training, any knowledge I have has come from this forum, and my own experiences. Always balance up any advice you get with your own common sense.

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They sent another letter that arrived today so

 

I've copied Brigs suggested letter and posted it recorded delivery.

 

I have also made a complaint to the FSA and have spoken to my our local village bobby

who said if they carry on he can investigate and probably get a harrassment order placed on them!

 

There's no pressure on me as I seem to have been fending off these clowns for over 10 years now.

 

Whoever my alleged name sake is who ran up these debts I'd like to slap about!

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Arrived home from work to find a letter from Ruthbridge

stating that the account has been returned to Cabot.

 

AS this is the second Cabot have tried to pursue me for a debt that is not mine

 

I have spoken to our local rozzer,

 

who in turn will have a chat with his duty inspector to see if some sort of threat from them about harassment

 

can be made as I have suffered "vexatious door step visits" from collectors :)

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As said before ignoring firms like Ruthbridge is futile it pays to be firm, stand up to then with a firm letter in response to their threats and they can be beaten.

 

 

Lets hope Cabot will drop this now.

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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Its worked with CCS, and also Robbers Way. Those clowns haven't contacted me in over 14 months after I threatened to send a dossier to the OFT. I have never believed in ignoring any of this lot. The course of action is to go on the attack and they invariably turn and run.

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