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Ruthbridge Ltd/Direct Legal & collections/Citifinancial Europe


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On 8th August send them the non-compliance letter and report them to trading standards. Also DEMAND in writing a copy of their internal complaints procedure and complain to Ruthless as well not that that will do any good but at least when you fail to get a satisfactory response from them you can report them then to the FOS. It would appear to be just another Ruthless scarey letter. They are talking rubbish about litagation as they have failed to produce the CCA so they in fact will probably be the ones on thr receiving end of litagation as they have defaulted on your lawful request and are only a short time away from committing the summary offence OUR SOLES

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sorry to hijack this post guys but i have posted a thread about ruthbridge would you possibly read it for me and give me some help or advise please cause im so worried i keep being sick sorry..............

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sorry to hijack this post guys but i have posted a thread about ruthbridge would you possibly read it for me and give me some help or advise please cause im so worried i keep being sick sorry..............
Start your own thread and post a link or PM me with the details and we will do our best. DONT PANIC:)

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  • 3 weeks later...
  • 4 months later...

Hi all, hope christmas was a good time for all and that the new year will be kind. Im back here after months of silence I am now getting letters and calls from DLC and not Ruthbridge. As Ruthbridge failed to reply to my CCA how can another company start trying to threaten me?

What should my next step be?

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Oh dear. Ruthless should not have passed your alleged debt on as it was in dispute by virtue of them failing to comply with your CCA request. Send this to DLC

 

ACCOUNT IN DISPUTE

Dear Sir or Madam,

Account number: XXXX XXXX XXXX XXXX

 

 

 

 

 

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007.

Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, Subject Access request and have also breached s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

 

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

 

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

 

I hope that this will not be necessary and an acceptable solution can be accomplished.

 

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

  • Haha 1

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Hi ODC I dont understand the bit below

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, Subject Access request and have also breached s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

Ruthbridge have never intimated that my complaint would be resolved they simply ignored anything I sent and continued to send letters which then just stopped

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  • 2 weeks later...

Hi

I am now reciving cards requesting I contact for a representative to call. The address is hillesden securities not dlc. If your arround ODC could you advise as to my quiery in my last post I could gt the letter off to them. I know I should have responded sooner but im recovering from Gastric Flu and now feel well enough to respond.

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Hi ODC I dont understand the bit below

 

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be resolved on **DATE**, this obviously hasn’t happened.

As **original creditor/DCA** are now in default of my Consumer Credit Act request, Subject Access request and have also breached s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

 

Ruthbridge have never intimated that my complaint would be resolved they simply ignored anything I sent and continued to send letters which then just stopped

 

Obviously that paragraph did not apply in your case and should have been left out, sorry

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The cards are just another feeble attempt to get you on the telephone.

 

Send the letter off minus the offending paragraph. Ruthless are in breach of your CCA so if you really want you could send them this

 

Account In Dispute

 

Ref:

 

Dear Sir/Madam

 

Thank you for your letter of xx/xx/xx, the contents of hich have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

 

On the **DATE** I wrote to you requesting a copy of the credit agreement and other information under the Consumer Credit Act 1974 (Sections 77-79).

 

On **DATE** a member of your staff signed for delivery of my written request and I have an electronic proof of delivery showing their signature and the date.

 

To date you have failed to comply with these requests in any way, whether by confirmation of receipt of the request or by supplying the requested documents.

 

These documents I requested should be readily available as proof of your legal right to collect this account under the Consumer Credit Act 1974.

 

In my letter of the **DATE** I made a formal request for a copy of the signed, executed credit agreement for the above account under section 77(1) of the Consumer Credit Act 1974. In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore

 

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation.

 

If that request is not satisfied after a further 30 calendar days your client commits a summary criminal offence.

 

These limits have expired.

 

As you are no doubt aware section 78(6) states:

 

If the creditor fails to comply with Subsection (1)

 

(a) He is not entitled , while the default continues, to enforce the agreement.

 

And

 

(b) If the default continues for one month he commits an offence.

 

Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested.

 

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data.

 

It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends.

 

Should you not respond within 14 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY

Action against an account whilst it remains in dispute.

 

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

 

I reserve the right to report your actions to any such regulatory authorities as I see fit.

You have 14 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you in writing.

 

Yours faithfully

BLAH

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For what it's worth I got my 2 monthly letter from Hillsden today, the one saying they have chased the CCA request and will contact me again in 21 days.... as the CCA rapidly approaches 12 months old!
and what does that tell you :D

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Other than they are a useless bunch of ******** that could not organise a p*** up in a brewery!!

 

I reckon I'll wait until it's 1 year out of date and send all the letters over to TS and ICO - lol

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