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Ruthbridge chasing debt for DLC - Help Please


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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 by funderboi82
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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

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 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.

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 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

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

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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