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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.


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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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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.



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.,





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.

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Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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Ignore them then, send nothing.


Just lodge formal complaints to the usual outfits who allege to police this industry.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!



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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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