Ruthbridge chasing debt for DLC - Help Please

[funderboi82]

Hi there;

 

I have received a letter a week ago from this company

stating i owe £2175.08 on behalf of another company dlc

regarding a loan and thats all the information they have provided asking that i contact them

 

i have trawled forums and seen how nasty this company can be

 

i have checked my credit file through call credit and experian and

there are no defaults , no ccjs no chasing for any debt on my account

other than an arrangement to pay with natwest but that was for 350 that i paid back a couple years ago.

 

the letter is in my name except my last name is spelt slightly incorrect and

 

 

i have no knowledge of what or who this is about and

 

 

the letter is only dated 03 september and no year on it and signed by ruthbridge ltd no actual name

 

today i came home 17.09 and received another letter from them but i have not opened this

 

I know not to speak to them over the phone but what do i do?

 

 

if this is a debt of mine then it has to be over 6 years old

and statutory barred as it does not appear on my credit file at all

 

please help with what i should respond to and what i should respond via letter

 

( I was originally going to go to citizens advice but problem is i work monday to friday

and cant take time off work to call them or actually get to the office in my city in the uk)

 

regards

Edited September 17, 2014 by funderboi82
additional information

[dx100uk]

so another DCa is chasing a debt for DLC?

 

 

just because the debt is not on your credit file

is not necessarily a 100% statute barred guarantee

 

 

what is the debt any idea?

 

 

dx

[BRIGADIER2JCS]

Hi there;

 

I have received a letter a week ago from this company

stating i owe £2175.08 on behalf of another company dlc

regarding a loan and thats all the information they have provided asking that i contact them

 

i have trawled forums and seen how nasty this company can be

 

i have checked my credit file through call credit and experian and

there are no defaults , no ccjs no chasing for any debt on my account

other than an arrangement to pay with natwest but that was for 350 that i paid back a couple years ago.

 

the letter is in my name except my last name is spelt slightly incorrect and

 

 

i have no knowledge of what or who this is about and

 

 

the letter is only dated 03 september and no year on it and signed by ruthbridge ltd no actual name

 

today i came home 17.09 and received another letter from them but i have not opened this

 

I know not to speak to them over the phone but what do i do?

 

 

if this is a debt of mine then it has to be over 6 years old

and statutory barred as it does not appear on my credit file at all

 

please help with what i should respond to and what i should respond via letter

 

( I was originally going to go to citizens advice but problem is i work monday to friday

and cant take time off work to call them or actually get to the office in my city in the uk)

 

regards

 

 

Ruthbridge is a last resort DCA it gets hold of debts that have "problems" personally I would ignore them until full details are provided.

If/when you have to contact Ruthbridge address the letter to Emmanual Amisah the MD.

[ericsbrother]

The key thing is your name is spelt wrong so they ahve sent everyone with a similar name the same demand and see who bites. Ignore it and do not contact them in any way. They will soon run out of stamps and go on to something else.

[funderboi82]

I have no clue what this debt is for

 

I have no defaults

No ccjs

No cifas warnings

nothing on 3 companies versions of me credit report

the only credit i had since i came back from ibiza in december 2008 is a capitol one credit card which i still have and a vanquis card wich has been cleared and closed down

 

and i was living in ibiza from jan 2007 - dec 2008

[Bazooka Boo]

Ignore them until they can get an adult in to formulate a sentence and tell you exactly what it is they are phishing for.