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    • Hi, hope you can help.   I bought my daughter a car two months ago for £3500, paid on a credit card. I should have gone with my gut feeling and walked away, however we had travelled a fair distance. I have asked for a refund or for them to pay for the repair – especially the oil pressure issue. So, far they have not said yes, or no.   I have bought another car for her, so either way this one is going. However, morally I couldn’t sell it with a intermittent oil pressure problem.     I suspect they are going to be tricky to deal with.   I have listed the points below.   The car was supposed to have a professional valet. It was just jet washed, the interior was still filthy. A scratch on the video, I was told it was just the light – it wasn’t. The logbook apparently was at Head Office, then in April it had been sent to DVLA, then in May I was told it was lost and I needed to fill in a V62 and pay £25.00. What version is the truth? I still do not have the logbook. April, the  Alternator  failed £300, of which £200 was covered under warranty. May, fanbelt broken towed to the garage £168 May -  oil pressure – stop engine warning light. I have not used the car since. We were told the cambelt was changed at 65,000 miles . This is incorrect, our local garage has confirmed it has not been changed – but needs to be. Water ingress in both headlights and water leaks out of the door. We were told this was because it had been jet washed. Two months on the car has not been jet washed, the lights are full of water. On the sales invoice it states 75000 miles it was 78000 miles, this was verified by MOT’s  
    • No to counterclaim. Just going through all paperwork received in preparation for whatever is next.
    • He has had an interest only morgage for 15 years, it's due for repayment in August. He is worried to death that he will have to sell his home to pay off his lender. What options does he have? he is understandably upset. Any advice would be welcomed.
    • UPDATE: I complained via e-mail using the above method using exact dates and amounts.   Starling closed the case without contacting me directly, (you can just see a greyed out note in the app) therefore I did not see this for a few days.    When I spoke to them via web chat, the advisor just recommended to take this up with the Financial Ombudsman, which I have since done because I do not know what else do to.   Anytime Fitness froze my membership over the weekend for no reason, and are requesting that I digitally sign a new contract so my account can be unfrozen.   I will of course refuse to sign anything that locks me in for anything longer than a month, as I now wish to cancel the contract (ending end of June, so plenty time) and fight to get back what money back is owed.
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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.
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      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.
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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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