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Ruthbridge on Behalf of Cabhot...Help


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First of all thanks for all the good advice on this site its good to know youre not alone.


If I may provide you with the situation so far and then I really need youre help.


In Feb 2007 I got a letter from Ruthbridge saying I owed Cadot finance 9k as they had taken over my barclaycard debt from Barclays.


I rand them up and they confirmed it was a debt which is now 2 months short of 6 years. I was in the RAF at the time and they claim it has taken this long to find me ??? which is odd as I am paying all my other debts off after sorting myself out.


Anyway I told them I needed to look into it and they said if I can arrange the finances they would accept 4.5k. I looked at my credit file and couldnt find anything.


Whilst looking I found this site (phew). I consequently sent them a CCA request on the 21st March by recorded delivery and asked could all future correspondence be by letter. Yesterday (15th March) they began to ring a lot. I got a letter this morning saying they would accept £100 a month and enclosed bank details and said I had 10 days to reply or they would recontact Cabhot for there instructions.


I called them back but the person who was dealing with my account wasnt there so I asked them had they recieved my CCA request.


They confirmed they had and It was being processed.


Im now really worried that they will take me to court ??

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CCA request is well into default, they shouldn't even be trying to collect this account! Do whatever you can to play for those 2 more months!! Don't even think about 'phoning them again!!


They can't take court action now until they produce the agreement.


Regards, Dave.

If my post was helpful don't forget to click the star!

Advice is offered freely, without liability and without prejudice.

If in any doubt professional legal advice should be sought.


I do not profess to be in any way legally trained, I am a big

oily truck driver and all I know has been learned within the

Consumer Action Group.





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