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    • I’ve been getting debit collection letters from a number of diffrent companies but I don’t recognise any of them. So I signed up to one of the credit rating agencies to find out who I owed money to. But that didn’t help. It just lists the debit collection company and the amounts they say I owe them. The amounts are staggering. now I was caught out once before by a debit collection agency saying I owed money but not who to and I just paid it. It wasn’t till after this that I found out that some agencies just send letters demanding payment for a nonexistent debit. On my credit report it says I owe money to the debit collection agent but there are no records of any original debit. no unpaid loans or credit cards.  so what do I do? I had a serious brain injury so I have memory problems and some untreatable mental illness. Thanks for taking the time to read this.
    • Hi, I’m sorry I haven’t replied sooner and that I wasn’t clearer. The situation is this.  I had a pay as you go sim and wanted to change to a VOXI pay monthly account. the guy on the phone said I’d need a new sim that would be a standard pay monthly sim. He told me that once I got the sim then I could call and have it put on a VOXI account. So. I agreed but at some point in the,long conversation after he ordered the new sim he said that infact I didn’t need a new sim and could just change my pay as you go sim into a VOXI sim. so he did that. I assumed that that was the end of the matter. I had done what I set out to do. And didn’t think about the ‘new’ sim because it was not needed. I assumed he had canceled it because it was not needed. then in January I get a letter saying I was behind on my phone bill. so I called them and that’s when I found out the ‘new’ sim had been ordered but never arrived .
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    • Hi    Thank you for answering my questions.   As you have not contacted Goskippy about AX stating they were acting on there behalf you need to contact Goskippy urgently and ask them to verify that AX are acting on there behalf. (you need to know if what AX stated is correct)
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    • Ebay Packlink and Hermes - destroyed item as it was "damaged". https://www.consumeractiongroup.co.uk/topic/430396-ebay-packlink-and-hermes-destroyed-item-as-it-was-damaged/&do=findComment&comment=5087347
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    • I sent in the bailiffs to the BBC. They collected £350. It made me smile.
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
      I opted for mediation, and it played out very similarly to other people's experiences.
      In the first call I outlined my case, and I referred to the Contracts (Rights of Third Parties) Act 1999 as the reason to why I do in fact have a contract with them. 
      In the second call the mediator came back with an offer of the full amount of the phone and postage £146.93, but not the court costs. I said I was not willing to accept this and the mediator came across as a bit irritated that I would not accept this and said I should be flexible. I insisted that the law was on my side and I was willing to take them to court. The mediator went back to Hermes with what I said.
      In the third call the mediator said that they would offer the full amount. However, he said that Hermes still thought that I should have taken the case against Packlink instead, and that they would try to recover the court costs themselves from Packlink.
      To be fair to them, if Packlink wasn't based in Spain I would've made the claim against them instead. But since they are overseas and the law lets me take action against Hermes directly, it's the best way of trying to recover the money.
      So this is a great win. Thank you so much for your help and all of the resources available on this site. It has helped me so much especially as someone who does not know anything about making money claims.
      Many thanks, stay safe and have a good Christmas!
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    • Hermes and mediation hints. https://www.consumeractiongroup.co.uk/topic/428981-hermes-and-mediation-hints/&do=findComment&comment=5080003
      • 1 reply
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Ruthbridge - trying it on? 15yrs old Blackhorse loan!!

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I have recently received two letters, with some made up reference number, saying "we know you are living at this address, contact us, or we may have to call you (good luck, we are ex dir). No reference to any debt, company or anything.


I didn't realise this company were so horrendous until I read so many threads on this and other consumer forums.

Any debts are now so statute barred that cobwebs are all over them.



There was a small amount owing to black horse, but no payments or agreements have been made for over 15 years.

Now, I suddenly get a couple of letters from Ruthbridge. I have put them in file 13 .



Just where do they get their information from.

I have taken out and paid off buy now pay later schemes from Curry's,

one is settled and one is about to be settled, before the 6 months grace is up.



My credit rating is excellent and there is not one thing that is negative on my credit report, no debts, just positives :)

Banks etc are forever wanting me to take out credit cards with them, (which I decline).


Do I simply ignore this bunch of pond life who hope to feed from people, through fear, I certainly have no intention of speaking to them.

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Open the filing cabnet


Place the letters in there


and ignore everythign they send to you UNLESS it is a N1 claim form, then return to us here

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thanks SabreSheep, I have shredded the last two letters, oops, but, I guess they will try it on in a few weeks time, we will see. Certainly no N1 Claim forms have been sent, I guess that would be nigh on impossible on a debt that has gone into the mists of time by over 15 years.

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Toothless Ruthbridge I call them, powerless petty minded individuals pushing pens up their noses!


Keep a close eye on your CRF just in case they start leaving muddy footprints over it.


It may well be that they are using their 'state of the art tracing technology' by blanket bombing the entire country with

missives sent to people with the same name & initials, in the narrow minded attempt of eeking out the true debtor.......


However, they advise you not to ignore them.......scared.gif

If you ignore our attempts to contact you, the account may be escalated to another debt collection agency or, where appropriate, our client may choose to pursue the balance by taking further action as they deem necessary. In some cases where there has been no communication or attempt to resolve the outstanding balance our clients may seek to take legal action towards the recovery of the debt.


No matter what your circumstances are we are here to listen and work with you to help resolve the situation.


:pound::pound:Consider yourselves ignored!!

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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  • 1 year later...

Hello, I had to go back two years to find a thread on these chancers!


Nothing I'm worrying about, just to let people know they're still pulling this one - two letters within a fortnight, referring to a debt that last saw any action in 2009.

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Hello, I had to go back two years to find a thread on these chancers!


Nothing I'm worrying about, just to let people know they're still pulling this one - two letters within a fortnight, referring to a debt that last saw any action in 2009.


Hello DP, do you have your own thread on this??

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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Hello BB, no, I didn't think it worth it, just wanted to add a "me too" as shared info so people know this is what Ruthbridge do, and they're still doing it. I'm not bothered by them at all.

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