DLC ruthbridge chasing old car loan debt after car handback

[ananya]

I just rang the number and it's a Scottish woman saying a looped message about the offices being closed and they're open from 9am Mon to Sat.

[DCA-KING]

its JB Debt RecoveryWill have fun at 9am tomorrow

[mrmarmite]

good thinkin brummie, give em a shout and confirm who they are

[mrmarmite]

lol need to refresh my pages a bit quicker

[loyalbrummie]

well ive got nowt planned for today SO looks like a certain number may be getting a few calls today .

[rory32]

BBC NEWS | Programmes | Moneybox | Debt letters sent to wrong people

[loyalbrummie]

more and more you read about mistakes like this , when are the government gonna clamp down on these DCA's , they live outside the law and dont seem to get any punishment for their wrongdoing .

[DCA-KING]

Just called them whats ref number humm didnt leave one oh whats your phone number umm 01412283068(aic recoverys) ohh cant find that number nevermind bye

[rory32]

I have unapproved a number of posts on this thread. I would suggest some users read the forum rules before posting again on this thread. Posts promoting playing silly pranks on an industry, that CAG is committed to ensuring operate in a manner that is both lawful and respects the debtor at all times, will be removed. Posts containing potentially libelious comments will be moderated. Posts attempting to bypass the swear filter will be moderated. These forums are public and read by DCA's. Do you really want a DCA to have the opportunity to bring legal action against this site? I am sure that there are many who would leap at the chance.

[mrmarmite]

I have unapproved a number of posts on this thread. I would suggest some users read the forum rules before posting again on this thread. Posts promoting playing silly pranks on an industry, that CAG is committed to ensuring operate in a manner that is both lawful and respects the debtor at all times, will be removed. Posts containing potentially libelious comments will be moderated. Posts attempting to bypass the swear filter will be moderated. These forums are public and read by DCA's. Do you really want a DCA to have the opportunity to bring legal action against this site? I am sure that there are many who would leap at the chance.

 

fair play, my apologies to CAG

[Fred Bassett]

Yep, you're right, that's fair play. It does seem a bit unfair though that we have to put up with every dirty trick that these people can throw at us without at least being able to have a bit of fun.

 

Fred

[mrmarmite]

yes but not putting CAG in the middle. there is a lot of people that this site has helped so it must be respected in that sense

[loyalbrummie]

ok id hate it if this sight went down due to my phonecalls to them but Rory these DCAs use every dirty trick in the book to have us over , legally or not ,

surely if i put a disclaimer after anything i said then this would cover anything they would throw at me .

 

regards

LB

[DaisyMay]

If, when they ring again my husband refuses togive any details does this mean that they won't dare write to him.

We had over a year of threatening letters from Ruthbridge and before that DLC.

As I said before we gave the car back under the 50% rule in 1993 without any bother until 13 years later. We haven't moved or changed our phone number in all that time either.

Trading Standards got involved a year ago and we haven't heard anything till these calls started coming. Has the "alleged" debt been sold on?

[DCA-KING]

SORRY:cry:

[mrmarmite]

If, when they ring again my husband refuses togive any details does this mean that they won't dare write to him.

We had over a year of threatening letters from Ruthbridge and before that DLC.

As I said before we gave the car back under the 50% rule in 1993 without any bother until 13 years later. We haven't moved or changed our phone number in all that time either.

Trading Standards got involved a year ago and we haven't heard anything till these calls started coming. Has the "alleged" debt been sold on?

 

unfortunatly no, the response you prob get is "we will keep ringing you" look in template library for harassement by phone letter and send of recorded

[rory32]

but Rory these DCAs use every dirty trick in the book to have us over , legally or not

I am very well aware of how individual DCA's conduct themselves. CAG is here to help protect the consumer/debtor through using lawful means.

,surely if i put a disclaimer after anything i said then this would cover anything they would throw at me .

No a disclaimer is far from sufficient in legally protecting CAG from action.

[rory32]

If, when they ring again my husband refuses togive any details does this mean that they won't dare write to him.

 

They shouldn't write to him if they are unsure of his identity as this would be breaking the Data Protection Act if they disclose account details, etc. This is why they won't talk to you about it.

Trading Standards got involved a year ago and we haven't heard anything till these calls started coming. Has the "alleged" debt been sold on?

Possibly. If they keep phoning report them to TS.

[rory32]

You may find this sticky of interest http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/131475-dealing-dcas-phone-calls.html

[Fred Bassett]

If, when they ring again my husband refuses togive any details does this mean that they won't dare write to him.

We had over a year of threatening letters from Ruthbridge and before that DLC.

As I said before we gave the car back under the 50% rule in 1993 without any bother until 13 years later. We haven't moved or changed our phone number in all that time either.

Trading Standards got involved a year ago and we haven't heard anything till these calls started coming. Has the "alleged" debt been sold on?

 

Daisy May,

 

If you're with BT then you can get various services to:

a) Block calls from numbers that are withheld

b) Block specific numbers

c) Transfer your calls to a different number

 

In regard to c it would be worth getting a Sipgate account (just google it) and you can get a free number with a local STD code so you can transfer it to that. Better still, sign up for a free 0845 number and then every time they call you, they'll be paying a premium rate and you'll be earning a bit of money.

 

Failing that, just refuse to answer the security questions they ask then they can't proceed. You could also tell them that their call is being recorded - this always puts them off.

 

I know this probably sounds a bit stupid, but just try and enjoy it - they

can't touch you legally and they know it. All of the threats are empty and they are obviously getting even more desperate than they were at the start of it all.

 

I wish you luck, imo these people are the lowest form of life since the syphilis germ.

 

Have a nice weekend.

 

Regards.

 

Fred

[DaisyMay]

Thanks to you all for your replies.

We are not with BT so I don't know if refusing would work.

Up until yesterday the calls could not be traced with 1471 as they came through a switchboard so we weren't sure who was calling. Now we know it is a DCA my husband will be getting TS involved again, although they were never very helpful they did get the letters and calls to stop for a year.

The strange thing is that when the Aberdeen Angus woman from Ruthbridge used to ring before and I always hung up on her, she used to leave messages on the answer phone using my name and telling me more or less to mind my own business as the calls weren't for me. This week I had a call asking to speak to "DaisyMay" and when I said it was me the caller hung up. I wonder if it is the new DCA doing some fishing!

[loyalbrummie]

Thank you daisy and tell the OH to proper get stuck into them .

[Fred Bassett]

Thanks to you all for your replies.

We are not with BT so I don't know if refusing would work.

Up until yesterday the calls could not be traced with 1471 as they came through a switchboard so we weren't sure who was calling. Now we know it is a DCA my husband will be getting TS involved again, although they were never very helpful they did get the letters and calls to stop for a year.

The strange thing is that when the Aberdeen Angus woman from Ruthbridge used to ring before and I always hung up on her, she used to leave messages on the answer phone using my name and telling me more or less to mind my own business as the calls weren't for me. This week I had a call asking to speak to "DaisyMay" and when I said it was me the caller hung up. I wonder if it is the new DCA doing some fishing!

 

Daisy,

 

You can ALWAYS refuse to talk to them - just don't answer any questions. They can't force you to give them personal details and without this information they simply can't carry on with the conversation.

 

Regards

 

Fred

[mrmarmite]

just to add to fred's last post about security q's. some DCA's have turned around and said they you are legally obliged to answer there security questions, don't be fooled please,

 

it is a lie, you have no legal obbligation to even speak to them at all on the telephone so be wary of that 1 should they try it.

[Fred Bassett]

just to add to fred's last post about security q's. some DCA's have turned around and said they you are legally obliged to answer there security questions, don't be fooled please,

 

it is a lie, you have no legal obbligation to even speak to them at all on the telephone so be wary of that 1 should they try it.

 

Yes, it's laughable really isn't it? You're not legally obliged to answer questions asked of you by the police under caution so quite why these people think they can get away with it beggars belief really.

 

It's good to work out your own strategy and there is some excellent advice on this thread by Bank Fodder : http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/99376-telephone-harassment-action-plan.html

 

Take control. Wind them up, do what you like, as long as at they end of it all they feel that they've just wasted their time. The sooner they understand this then the sooner the calls will stop.

 

Take good care.

 

Fred