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Lukather

Cabot/Ruthbridge chasing old Aqua card debt

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Hello all - I've just received a letter from Cabot Financial advising they have passed an outstanding credit card balance of around £7000 to Ruthbridge Ltd.

The letter from Ruthbridge states that they are acting as an agent of Cabot Financial and that :

 

We are able to discuss various repayment options, these include:
Repayment of the debt by realistic instalments over an agreed period.
Early settlement of the debt by payment of a single lump sum.

To avoid any further action it is important you make contact with us.
You should be aware this debt will remain outstanding if ignored and we urge you to work with us.


This is a credit card debt from around 7 years ago - I can't ever remember having a credit card limit of 6-7000 so not sure how this figure is correct.

I'm currently on Universal Credit and have no way of paying this back.
I've checked my credit report today and can see no CCJ for this debt
I have lived at the same address for over 10 years.

 

I'm guessing they are just fishing for a reply but would appreciate any advice please just in case - thank you

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Who is the oc?

 

was it taken out at your present ad?


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Hello dx100uk - The oc is Aqua and yes I'm 99.9% sure the card was taken out at my present address - I've lived here for about 15 years - thanks

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so was this a halifax aqua card or a newday one?

have you ever sent them a CCA request?

when was the last time you paid anything?

is this on your credit file?

if so does this have a defaulted date?


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Hello dx100uk - It wasn't related to Halifax so am presuming it was a newday one. I haven't ever sent a CCA request. I believe the last time I made a payment was around 2011/2012. There is nothing on my credit file for this debt ( checked file today) - thanks

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if last payment was outside 6yrs then send our sb letter from the debt collection section of the library.


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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Thanks for the advice - will give that a go - thanks

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