Hi to everyone .. Need help with Ruthbridge

[dude07011982]

thanks for the speedy reply all they have sent is the first letter of which we initially said that the person named was not known at that address then to our surprise they manged to obtain our home telephone number. The debt is prbably six years old maybe more and it is for a an overdraft with barclays

 

thanks

[firstwithit]

If its over 6 years old it is statute barred so await their next letter and send statute barred letter from the stickys.

Once again refuse to speak to them on the phone, verbal aknowledgement means nothing and that is why you dont speak to them, cause also what they say on the phone means nothing either!

[dude07011982]

thanks for the advice please can you show me where I can find the statute barred letter?

 

sorry I am kind of new to all this

 

really appreciate your help

[dude07011982]

My partner has just told me that the debt is only 5 years old is there anything we can do ideally we dont want to pay it if thats plausible. Failing that all we can afford is £20.00 a month

 

please can you advise what we can do?

 

thanks

[firstwithit]

Well first thing is to send them a request for CCA, letter N, enclose a £1 postal order and head the letter "I do not aknowledge any debt to your company" print name, not your signature and dont send a cheque for same reason. it has been know that photo jobs have been done on these things.

Whatever you do dont offer anything in writing at this time, the CCA will tell you if they are entitled to be collecting the debt from you or not.

You could also mention that you will not accept phone calls and all communication should be in writing.

[dude07011982]

thanks i'll send it asap

[damnruthbridge]

I have recently received a letter from ruthbridge saying that i owe someone else £3000 for debt that i did not recognize, i have sent them a cca request along with a cheque for a pound and they have today sent me documentation for a previous debt for car finance signed in 1996, this car was infact repossessed by them after approx 6 months from an address i moved too after a break up with my current partner, after this i did not recive any communication at all regarding the car and outsanding amounts.

I have since then got my life back on track and i have not lived at the final address where thery took the vehicle since 1996 and they are now threatening bankkrupcy proceedings against me after 10+ years, i have not acknowleged the debt and i will only communicate via letter.

 

1. I am planning to send the statue barred letter next, is this the best step?
   
2. I am happy to spend a bit of money with a solicitor, do you think this will help?

sorry this is a long one but i want to do this by the book.

 

thx in advance

[Goldlady]

Crumbs they are taking the pee are they not? It is almost statute barred twice over. I think the statute barred letter should be enough to send them packing.

[itsamomentintime]

there are a number of frightened individuals who have posted here.

 

to stop the worrying, i can only reiterate firstwithit's post no 27 - send a CCA request to the DCAs with a postal order for £1. if they do not answer your request within 12&2 days, they cannot demand anything from you.

 

and NEVER EVER enter into phone calls with DCA ****

[charli1]

hi all i am new to this site so happy i found it, as i also have recieved a threating letter to take me to court from ruthbridge ltd, my debt is well over 6 years old and i haven't made a payment over 6 years, i was advised it should disapear from my credit report after 5yrs, what is a CCA what do i need to do with it?? can anyone help or advise me please, as i don't know what to do ?? many thank

[Goldlady]

Hi charli1

 

The CCA letter is asking for a copy of your agreement. I think in the same list is the statute barred one. Have a read through and hopefully you will find a suitable letter.

 

http://www.consumeractiongroup.co.uk/forum/general-debt-issues/20758-creditors-dcas-letter-templates.html

[dude07011982]

I have now got a letter from solicitor acting for welcome finance saying that I owe £3000 for a loan I took out for only half that i have no idea how they have come to this figure please can someone help?

[itsamomentintime]

I have now got a letter from solicitor acting for welcome finance saying that I owe £3000 for a loan I took out for only half that i have no idea how they have come to this figure please can someone help?

 

 

read post no 27 fella

[letshelp]

Of course you can also copy your letters to the Directors of Ruthbridge direct at:

Active Current Directors

MS ALICE AMISSAH Company Secretary

10 WALPOLE ROAD TWICKENHAM MIDDLESEX TW2 5SN

MR BEN PAUL DUNNE Company Director / Director

30A RAEBURN STREET BRIXTON LAMBETH LONDON SW2 5QU

MS VERONICA WATKINS Company Secretary

FLAT 21 CASSELL HOUSE STOCKWELL GARDENS ESTATE STOCKWELL LAMBETH LONDON SW9 9AY

MR EMMANUEL AMISSAH Company Secretary / Company Secretary

LINDFIELD GARDENS HAMPSTEAD CAMDEN LONDON NW3 6PU

[Nickynackynoo]

Hi All,

Been reading this with some interest, my problem is slightly different to that of most people on here, but if anyone can help I'd really appreciate it. Letters arrived at my house for an ex friend of mine, which to be honest, I ignored (stupid I know!) eventually one arrived and I could see "legal department" in the address window. This worried me so I opened the letter. It's from Ruthbridge and they're insisting they want to make the ex friend bankrupt, at my address I was worried this would affect my credit file so I called them, told them the ex friend doesn't live here and never had, and expected to hear no more. I have since had another letter addressed to the friend that I put back in the post (not known etc) and today I received a leter to "the occupier" suggesting I call a number urgently. I did this not knowing it was them, but when I asked what the package was etc I was put on hold to be put through then couldn't be put through and the chap wouldn't tell me anything, and didn't even know my name! I got suspicious, asked for a manager, none available, and whilst waiting googled the Express Delivery name and phone number. When I got the Ruthbridge details I asked if this was them and was told no they just deliver parcels or DOCUMENTS!!! When I pushed the issue I was tod I was talking in riddles so I hung up. I then called the original Ruthbridge number and spoke to them again - David - (numbers the same barring the last digit!!) confirmed that they had my original message recorded and that I shouldn't get any more correspondance. I called Express again got the same ignorant staff member and eventually he agreed that if my information was true I might not hear from them again!

How can I get rid of them? I don't want this stuff for someone I don't even know anymore being recorded on my address and they don't believe me! I know this isn't the usual Ruthbridge problem but if anyone has any ideas I'd be very grateful. Thanks for reading!

[42man]

What you must do is keep all your correspondence and send them a letter by recorded delivery asking for their complaints procedures...if they do not acknowledge or respond....complain to the FOS, TS and OFT....Ruthbridge are under close scrutiny at the moment..., plus sending the 'EXPRESS DELIVERY' is right up against the OFT's guidelines....the sooner they close this bunch of cowboys the better...!!

[letshelp]

People, it has been said many times, stop telephoning and speaking to the ignorant [edited] at ruthbridge. They are not going to make anybody bankrupt, they are just trying to scare people and sadly it is working judging by some of the posts on here. I have had 5 letters from this gang of [edited], starting with the we are going to bankrupt you, which I obviously ignored, followed by the you have 14 days before we tell our client to start bankruptcy proceedings, also ignored, then the we are not corresponding with you anymore (great) but sadly they do, next we are sending someone round to seize your assets (yes course you are, I don't think), then finally the we are here to help you lewtter from the debt advice gang, Ill say this again, Ruthbridge are a joke, the letters are not personal they are computer generated and sent automatically at intervals. Just ignore them and,

NEVER, NEVER SPEAK TO THEM

Edited June 10, 2008 by jonni2bad

[essexguy]

Hi

 

Sent Ruthbridge a CCA letter on 31st March Recorded delivery and this was signed for on 2nd APril

 

Received a "without prejudice letter" today 10th June (71 days later) with a copy of one signature page of an MBNA loan agreement from Jan 2002

 

They're claiming a "principal sum" of £15k against an original loan of £24k and are prepared to accept a full & final offer of £12k to avoid petition for bankruptcy.

 

What do I do.....I don't have the money and am worried !!

[Goldlady]

OK, if it is a loan agreement it could be the business. Can you scan it with your personal details removed so we can get the experts to have a look? It seems unusual for Ruthbridge to have an enforceable debt:confused:.

 

Have you got any spare money at all? Bear in mind that Ruthbridge will have purchased the debt for probably less than 5% of its value - approx £750 - so if you agreed to settle for £12k they would be laughing all the way to the Leeds. If the agreement could be enforced in court you might find that with a bit of negotiating you can get a much lower settlement figure.

[essexguy]

Thanks for that

 

Will scan shortly & send

 

What do they mean by "principal sum"????

[Goldlady]

What was the outstanding balance on the loan? I would think it meant that the original loan was for £24k, that the o/s balance they have purchased is £15K and that they would very grudgingly accept a measly £12K if they had to.

[heartopp]

No offence, but do you know what s189 says? It says:

 

189.

Definitions.

— (1) In this Act, unless the context otherwise requires—

“advertisement ” includes every form of advertising, whether in a publication, by television or radio, by display of notices, signs, labels, showcards or goods, by distribution of samples, circulars, catalogues, price lists or other material, by exhibition of pictures, models or films, or in any other way, and references to the publishing of advertisements shall be construed accordingly;

 

“advertiser ” in relation to an advertisement, means any person indicated by the advertisement as willing to enter into tran-sactions to which the advertisement relates;

 

“ancillary credit business ” has the meaning given by section 145(1);

 

“antecedent negotiations ” has the meaning given by section 56;

 

“appeal period ” means the period beginning on the first day on which an appeal to the Secretary of State may be brought and ending on the last day on which it may be brought or, if it is brought, ending on its final determination, or abandonment;

 

“assignment ”, in relation to Scotland, means assignation;

 

“associate ” shall be construed in accordance with section 184;

 

F1 . . .

 

“bill of sale ” has the meaning given by section 4 of the M1 Bills of Sale Act 1878 or, for Northern Ireland, by section 4 of the M2 Bills of Sale (Ireland) Act 1879;

 

[F2 “building society ” means a building society within the meaning of the Building Societies Act 1986;]

 

“business ” includes profession or trade, and references to a business apply subject to subsection (2);

 

“cancellable agreement ” means a regulated agreement which, by virtue of section 67, may be cancelled by the debtor or hirer;

 

“canvass ” shall be construed in accordance with sections 48 and 153;

 

“cash ” includes money in any form;

 

“charity ” means as respects England and Wales a charity registered under the M3 Charities Act 1960 or an exempt charity (within the meaning of that Act), and as respects Scotland and Northern Ireland an institution or other organisation established for charitable purposes only ( “organisation ” including any persons administering a trust and “charitable ” being construed in the same way as if it were contained in the Income Tax Acts);

 

“conditional sale agreement ” means an agreement for the sale of goods or land under which the purchase price or part of it is payable by instalments, and the property in the goods or land is to remain in the seller (notwithstanding that the buyer is to be in possession of the goods or land) until such conditions as to the payment of instalments or otherwise as may be specified in the agreement are fulfilled;

 

“consumer credit agreement ” has the meaning given by section 8, and includes a consumer credit agreement which is cancelled under section 69(1), or becomes subject to section 69(2), so far as the agreement remains in force;

 

“consumer credit business ” means any business so far as it comprises or relates to the provision of credit under regulated consumer credit agreements;

 

“consumer hire agreement ” has the meaning given by section 15;

 

“consumer hire business ” means any business so far as it comprises or relates to the bailment or (in Scotland) the hiring of goods under regulated consumer hire agreements;

 

“controller ”, in relation to a body corporate, means a person—

(a) in accordance with whose directions or instructions the directors of the body corporate or of another body corporate which is its controller (or any of them) are accustomed to act, or

(b) who, either alone or with any associate or associates, is entitled to exercise, or control the exercise of, one third or more of the voting power at any general meeting of the body corporate or of another body corporate which is its controller;

 

“copy ” shall be construed in accordance with section 180;

 

“costs ”, in relation to Scotland, means expenses;

 

“court ” means in relation to England and Wales the county court, in relation to Scotland the sheriff court and in relation to Northern Ireland the High Court or the county court;

 

“credit ” shall be construed in accordance with section 9;

 

“credit-broker ” means a person carrying on a business of credit brokerage;

 

“credit brokerage ” has the meaning given by section 145(2);

 

“credit limit ” has the meaning given by section 10(2);

 

“creditor ” means the person providing credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer credit agreement, includes the prospective creditor;

 

“credit reference agency ” has the meaning given by section 145(8);

 

“credit-sale agreement ” means an agreement for the sale of goods, under which the purchase price or part of it is payable by instalments, but which is not a conditional sale agreement;

 

“credit-token ” has the meaning given by section 14(1);

 

“credit-token agreement ” means a regulated agreement for the provision of credit in connection with the use of a credit-token;

 

“debt-adjusting ” has the meaning given by section 145(5);

 

“debt-collecting ” has the meaning given by section 145(7);

 

“debt-counselling ” has the meaning given by section 145(6);

 

“debtor ” means the individual receiving credit under a consumer credit agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer credit agreement includes the prospective debtor;

 

“debtor-creditor agreement ” has the meaning given by section 13;

 

“debtor-creditor-supplier agreement ” has the meaning given by section 12;

 

“default notice ” has the meaning given by section 87(1);

 

“deposit ” means [F3 (except in section 16(10) and 25(1B))]any sum payable by a debtor or hirer by way of deposit or down-payment, or credited or to be credited to him on account of any deposit or down-payment, whether the sum is to be or has been paid to the creditor or owner or any other person, or is to be or has been discharged by a payment of money or a transfer or delivery of goods or by any other means;

 

“Director ” means the Director General of Fair Trading;

 

“electric line ” has the meaning given by [F4 the Electricity Act 1989] or, for Northern Ireland, the M4 Electricity Supply (Northern Ireland) Order 1972;

 

“embodies ” and related words shall be construed in accordance with subsection (4);

 

“enforcement authority ” has the meaning given by section 161(1);

 

“enforcement order ” means an order under section 65(1), 105(7)(a) or (b), 111(2) or 124(1) or (2);

 

“executed agreement ” means a document, signed by or on behalf of the parties, embodying the terms of a regulated agreement, or such of them as have been reduced to writing;

 

“exempt agreement ” means an agreement specified in or under section 16;

 

“finance ” means to finance wholly or partly, and “financed ” and “refinanced ” shall be construed accordingly;

 

“file ” and “copy of the file ” have the meanings given by section 158(5);

 

“fixed-sum credit ” has the meaning given by section 10(1)(b);

 

“friendly society ” means a society registered [F5 or treated as registered under the Friendly Societies Act 1974 or the Friendly Societies Act 1992] or a society within the meaning of the M5 Friendly Societies Act (Northern Ireland) 1970;

 

“future arrangements ” shall be construed in accordance with section 187;

 

“general notice ” means a notice published by the Director at a time and in a manner appearing to him suitable for securing that the notice is seen within a reasonable time by persons likely to be affected by it;

 

“give ” means deliver or send by post to;

 

“goods ” M6 has the meaning given by [F6 section 61(1) of the Sale of Goods Act 1979];

 

“group licence ” has the meaning given by section 22(1)(b);

 

“High Court ” means Her Majesty’s High Court of Justice, or the Court of Session in Scotland or the High Court of Justice in Northern Ireland;

 

“hire-purchase agreement ” means an agreement, other than a conditional sale agreement, under which—

(a) goods are bailed or (in Scotland) hired in return for periodical payments by the person to whom they are bailed or hired, and

(b) the property in the goods will pass to that person if the terms of the agreement are complied with and one or more of the following occurs—

(i) the exercise of an option to purchase by that person,

(ii) the doing of any other specified act by any party to the agreement,

(iii) the happening of any other specified event;

 

“hirer ” means the individual to whom goods are bailed or (in Scotland) hired under a consumer hire agreement, or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer hire agreement includes the prospective hirer;

 

“individual ” includes a partnership or other unincorporated body of persons not consisting entirely of bodies corporate;

 

“installation ” means—

(a) the installing of any electric line or any gas or water pipe,

(b) the fixing of goods to the premises where they are to be used, and the alteration of premises to enable goods to be used on them,

© where it is reasonably necessary that goods should be constructed or erected on the premises where they are to be used, any work carried out for the purpose of constructing or erecting them on those premises;

 

F1 . . .

 

“judgment ” includes an order or decree made by any court;

 

“land ”, includes an interest in land, and in relation to Scotland includes heritable subjects of whatever description;

 

“land improvement company ” means an improvement company as defined by section 7 of the M7 Improvement of Land Act 1899;

 

“land mortgage ” includes any security charged on land;

 

“licence ” means a licence under Part III (including that Part as applied to ancillary credit businesses by section 147);

 

“licensed ”, in relation to any act, means authorised by a licence to do the act or cause or permit another person to do it;

 

“licensee ”, in the case of a group licence, includes any person covered by the licence;

 

“linked transaction ” has the meaning given by section 19(1);

 

“local authority ”, in relation to England F7 . . ., means . . . F8 , a county council, a London borough council, a district council, the Common Council of the City of London, or the Council of the Isles of Scilly [F9 in relation to Wales means a county council or a county borough council,], and in relation to Scotland, means a [F10 council constituted under section 2 of the Local Government etc. (Scotland) Act 1994], and, in relation to Northern Ireland, means a district council;

 

“minor ”, in relation to Scotland, includes pupil;

 

“modifying agreement ” has the meaning given by section 82(2);

 

“mortgage ”, in relation to Scotland, includes any heritable security;

 

“multiple agreement ” has the meaning given by section 18(1);

 

“negotiator ” has the meaning given by section 56(1);

 

“non-commercial agreement ” means a consumer credit agreement or a consumer hire agreement not made by the creditor or owner in the course of a business carried on by him;

 

“notice ” means notice in writing;

 

“notice of cancellation ” has the meaning given by section 69(1);

 

“owner ” means a person who bails or (in Scotland) hires out goods under a consumer hire agreement or the person to whom his rights and duties under the agreement have passed by assignment or operation of law, and in relation to a prospective consumer hire agreement, includes the prospective bailor or person from whom the goods are to be hired;

 

“pawn ” means any article subject to a pledge;

 

“pawn-receipt ” has the meaning given by section 114;

 

“pawnee ” and “pawnor ” include any person to whom the rights and duties of the original pawnee or the original pawnor, as the case may be, have passed by assignment or operation of law;

 

“payment ” includes tender;

 

“personal credit agreement ” has the meaning given by section 8(1);

 

“pledge ” means the pawnee’s rights over an article taken in pawn;

 

“prescribed ” means prescribed by regulations made by the Secretary of State;

 

“pre-existing arrangements ” shall be construed in accordance with section 187;

 

“principal agreement ” has the meaning given by section 19(1);

 

“protected goods ” has the meaning given by section 90(7);

 

“quotation ” has the meaning given by section 52(1)(a) ;

 

“redemption period ” has the meaning given by section 116(3);

 

“register ” means the register kept by the Director under section 35;

 

“regulated agreement ” means a consumer credit agreement, or consumer hire agreement, other than an exempt agreement, and “regulated ” and “unregulated ” shall be construed accordingly;

 

“regulations ” means regulations made by the Secretary of State;

 

“relative ”, except in section 184, means a person who is an associate by virtue of section 184(1);

 

“representation ” includes any condition or warranty, and any other statement or undertaking, whether oral or in writing;

 

“restricted-use credit agreement ” and “restricted-use credit ” have the meanings given by section 11(1);

 

“rules of court ”, in relation to Northern Ireland means, in relation to the High Court, rules made under section 7 of the M8 Northern Ireland Act 1962, and, in relation to any other court, rules made by the authority having for the time being power to make rules regulating the practice and procedure in that court;

 

“running-account credit ” shall be construed in accordance with section 10;

 

“security ”, in relation to an actual or prospective consumer credit agreement or consumer hire agreement, or any linked transaction, means a mortgage, charge, pledge, bond, debenture, indemnity, guarantee, bill, note or other right provided by the debtor or hirer, or at his request (express or implied), to secure the carrying out of the obligations of the debtor or hirer under the agreement;

 

“security instrument ” has the meaning given by section 105(2);

 

“serve on ” means deliver or send by post to;

 

“signed ” shall be construed in accordance with subsection (3);

 

“small agreement ” has the meaning given by section 17(1), and “small ” in relation to an agreement within any category shall be construed accordingly;

 

“specified fee ” shall be construed in accordance with section 2(4) and (5);

 

“standard licence ” has the meaning given by section 22(1)(a);

 

“supplier ” has the meaning given by section 11(1)(b) or 12© or 13© or, in relation to an agreement falling within section 11(1)(a), means the creditor, and includes a person to whom the rights and duties of a supplier (as so defined) have passed by assignment or operation of law, or (in relation to a prospective agreement) the prospective supplier;

 

“surety ” means the person by whom any security is provided, or the person to whom his rights and duties in relation to the security have passed by assignment or operation of law;

 

“technical grounds ” shall be construed in accordance with subsection (5);

 

“time order ” has the meaning given by section 129(1);

 

“total charge for credit ” means a sum calculated in accordance with regulations under section 20(1);

 

“total price ” means the total sum payable by the debtor under a hire-purchase agreement or a conditional sale agreement, including any sum payable on the exercise of an option to purchase, but excluding any sum payable as a penalty or as compensation or damages for a breach of the agreement;

 

“unexecuted agreement ” means a document embodying the terms of a prospective regulated agreement, or such of them as it is intended to reduce to writing;

 

“unlicensed ” means without a licence, but applies only in relation to acts for which a licence is required;

 

“unrestricted-use credit agreement ” and “unresticted-use credit ” have the meanings given by section 11(2);

 

“working day ” means any day other than—

(a) Saturday or Sunday,

(b) Christmas Day or Good Friday,

© a bank holiday within the meaning given by section 1 of the M9 Banking and Financial Dealings Act 1971.

 

 

(2) A person is not to be treated as carrying on a particular type of business merely because occasionally he enters into transactions belonging to a business of that type.

 

(3) Any provision of this Act requiring a document to be signed is complied with by a body corporate if the document is sealed by that body.

 

This subsection does not apply to Scotland.

 

(4) A document embodies a provision if the provision is set out either in the document itself or in another document referred to in it.

 

(5) An application dismissed by the court or the Director shall, if the court or the Director (as the case may be) so certifies, be taken to be dismissed on technical grounds only.

 

(6) Except in so far as the context otherwise requires, any reference in this Act to an enactment shall be construed as a reference to that enactment as amended by or under any other enactment, including this Act.

 

(7) In this Act, except where otherwise indicated—

(a)

a reference to a numbered Part, section or Schedule is a reference to the Part or section of, or the Schedule to, this Act so numbered, and

 

(b)

a reference in a section to a numbered subsection is a reference to the subsection of that section so numbered, and

 

©

a reference in a section, subsection or Schedule to a numbered paragraph is a reference to the paragraph of that section, subsection or Schedule so numbered.

 

Ok, how about this is laymans tearms...!

[essexguy]

letter and agreement attached

 

thanks

Scan0008.pdf

Scan0009.pdf

[Goldlady]

I am not an expert on loan agreements, so am hoping someone else can confirm. It looks reasonable to me, assuming they can produce the terms and conditions from the time, but even still I think it would be enough for them to push it. I notice there is £6k of insurance added to the loan - was this mis sold, did you ever claim on it? I hadn't realised that you didn't actually start this thread so you might get more responses if you start your own thread. Only the people who have already subscribed to this one are likely to read your posts - such as me:D

[essexguy]

thanks again and I'll repost on new thread