Ruthbridge and CCS Debt Collection

[BRIGADIER2JCS]

Hi welcome to CAG

 

 

Ok Ruthbridge if a debt is in their hand then it is either SB or unenforceable for some reason this company is at the murkiest depths of the debt collection 'industry'.

 

 

You would be best advised to check your credit reference files asap, Equifax and Experian have 30 day free trials Call Credit has Noddle which is always free.

[BRIGADIER2JCS]

Those two chancers together, I smell Cabot ininvolvement

Way, Way past Cabot at this stage.

This will have most likely been sold 2-3 time at least.

[BRIGADIER2JCS]

What is Cabot?, please.

A debt purchase company.

[BRIGADIER2JCS]

Thank you BRIGADIERJCS, couple of questions if I may please.

 

1. What do you mean by unenforceable?

2. As you know Ruthbridge contacted me about a year ago so I checked my credit file with Experian and Equifax and both had nothing at all on them, completely clean. I took a copy of the report just for my files and then cancelled the accounts before getting charged. When I first opened the account with them I only referred to the address where I live now and have been for 12 years and made no reference to my previous address where I lived until 1996 almost 20 years ago. This was where I accumulated most of the outstanding debt. Since then I have not applied for any credit or credit cards!

3. What is Call Credit has Noddle?

 

 

Ok it's time to be rid of this once and for all!!

I will draft a letter for you to send to CCL a little later and post it here.

 

 

Brig.

 

 

Hi Call credit has a free CRA site called Noddle.

[BRIGADIER2JCS]

Yes stick to that address it's perfect!!

The old brain is ticking on for the letter.

[BRIGADIER2JCS]

OK.

 

 

The Compliance Manager

CCL

 

 

 

 

Date:...........

Ref: use theirs:

 

 

Sir/ Madam,

I refer you to correspondence regarding an alleged debt for £xxxx.xx apparently originating from an account with xxxxxxxxxxxxx.

 

 

Please note I do not acknowledge any such debt.

 

 

I have taken tine to research my credit history over a period of 14 years and have found that this alleged debt has been passed around the murky depths of the ''debt collection industry'' for a considerable length of time with no resolution.

 

 

I am now able to state that this alleged debt is STATUTE BARRED and I will therefore not make any payment or offer of payment now or in the future.

 

 

CCL will now discontinue all contact with me and remove all data relating to me from its records.

 

 

I am familiar with Appendix B of the OFT Guidance on Debt Collection relating to the pursuit of statute barred debt, you are also reminded of the section regarding the sale of statute barred debts without informing the purchaser of the status of the debt.

 

 

Should CCL dispute the status of the alleged debt it is reminded that the onus of providing unequivocal proof that the debt is not statute barred falls entirely upon CCL.

 

 

Ok recorded / signed for post check delivery.

[BRIGADIER2JCS]

Right just edit that out and state any alleged debt you may be pursuing.

 

 

A visa debt cred registered to the address you are at should be acceptable it is that which is used to confirm ID.

[BRIGADIER2JCS]

This is the problem with Noddle and Call Credit I'm afraid rather unreliable. have checked the criteria which is debit or credit card registered to your address, perhaps try again tomorrow.

[BRIGADIER2JCS]

Often when challenged these companies will just disappear.

[BRIGADIER2JCS]

Try this by recorded/ signed for post.

 

 

The Compliance Manager

CCS

 

 

 

 

Date

 

 

Ref: use theirs.

 

 

Sir/Madam,

 

 

I refer to your letter dated xx.xx.xxxx. regarding an alleged debt now owned by your client Aktiv Kapital. please take note I do not acknowledge any debt to your client.

 

 

I have researched my credit history and have concluded that any such alleged debt is Statute Barred and I will therefore Not make any payment or offer of payment now or in the future.

 

 

I would remind CCS and its client that the onus of providing unequivocal proof that the alleged debt is not statute barred falls entirely on CCS and its Client Aktiv Kapital.

 

 

Please take note any allegations of "one off mystery payments" will be totally refuted.

 

 

I am sure CCS is fully conversant with the OFT Guidance on Debt Collection 2003/2006 (updated Nov. 2012) and Appendix B relating to the pursuit of statute barred debts.

 

 

I suggest that CCS Collect now closes its file on this matter and returns it to its client.

[BRIGADIER2JCS]

GB Group an "intelligence and tracing, + they run ID checks" " company.

[BRIGADIER2JCS]

It would be interesting to know on what authority they had to access your credit files

[BRIGADIER2JCS]

If the debts are that old they are out of the picture and nothing can be about them.

[BRIGADIER2JCS]

Yes it would. Do they need authority to do this? I thought any company could do a credit search on you without permission from anyone?

The authority to access credit files derives from an individual giving permission when applying for any form of credit, or utility service, the permission is " inherited" by the purchaser when the debt/account is sold.

 

 

There must be a "permission" in place so if a DCA has an alleged debt on its files it can search the agencies, but searches cannot be made speculatively.

[BRIGADIER2JCS]

In my opinion it's time to kill this one off now, send the letter the reason Ruthbridge unloaded is now plain they have no have no chance of getting anything out of this.

[BRIGADIER2JCS]

Thanks Brig,

 

I will send the letter in the next couple of days. Is it right not to sign the letter at the end?

Just Initial it or use a digital sig.