manf v Ruthbridge and Littlewoods

[ODC]

Just opening a thread for Manf:) to post

[ODC]

first of all i would like to thank you for opening a new thread for me.......

so what step do i take next they have told me i owe them 2544.33 and because i was in a state i offered them 50.00 a month which i have to start paying 1/8/07 and they want my bank details so i dont know what to do now any help please !!!!!!!!!!!!!!!!!!!!!!!!

http://www.consumeractiongroup.co.uk/forum/show-post/post-162367.html This is the letter you need to send them. Send it by recorded delivery. DO NOT SIGN WITH YOUR NORMAL SIGNATURE send a postal order instead of a cheque. DO NOT SPEAK WITH THESE PEOPLE ON THE PHONE. Post the CCA letter off and sit back and wait. In 12 working days after receipt they will be in default and you dont have to pay anything to them until they produce a valid CCA. 1 Calendar month later they will commit a summary offence and you then report them to Trading standards. Ruthbridge are well known bullies and are very economical with the truth thatis why you must keep everthing in writing and never speak to them no matter what they say. You will get all the help youi need on here to defeat these shylocks

[ODC]

Well ODC beat me too it, but did cheat as he opened the thread in the first place.

 

You MUST ensure that these "people" have the legal right to collect on this debt. A CCA request does just that.

I opened it to help Manf as they were unsure of how to do it. Besides he/she has Ruthless on their case so thats a good enough reason to help out.

[ODC]

and if your too busy to look it up

 

use something like this

 

Dear Sir/Madam

 

Name:

Reference:

 

DEBT IN LEGAL DISPUTE

 

I am presently striving to organise my personal information and can find no reference to the alleged debt and/or agreement on you appear to have been assigned to collect.

 

Therefore, please supply me with a true copy of the original agreement.

 

You will appreciate that this is my right and your legal obligation under the legislation contained within section 77 (1) and section 78 (1) of the Consumer Credit Act 1974.

 

I also understand that it is your obligation to provide me with a statement of account and I look forward to receiving that as well.

 

Please also supply a signed true copy of the deed of assignment of the above referenced agreement if applicable.

 

Again, this is you will appreciate a statutory obligation, whether you are the original creditor or not, under section 189 of the Consumer Credit Act 1974.

 

We enclose a payment of £1.00 which represents the fee payable under the Consumer Credit Act, this fee is not to be offset against any alleged debt.

 

I look forward to hearing from you within the statutory time limit.

 

 

 

 

 

 

 

 

 

Kenny you must have these stock replies of yours stored as macros you rply so quick:D

[ODC]

So there you ManF you have three friend of Ruthbridge on your side already. What one of us doesnt know the others will. Im sure by evening you will probably have more advice than you can shake a stick at. Ruthless are regular readers of this forum so no doubt they will be on the phone to you to advice you that we are all unbelivers and theirs is the one true voice. Have a bucket of salt handy as you will need take everything they say with a pinch. Also salt is really useful for killing slugs

[ODC]

hi everyone i just want to thank you all for the wonderful advice you have given me i will write that letter out tomorrow and send them a postal order do i send it to the address at the top of their letter i think their offices are in twickenham ?Send the CCA to their registered Office which should be on their scarey letters. Ruthless are demanding the moneyu its up to them to prove you owe it and they have the right to claim it.

 

their clients name is capquest debt recovery ltd

also because i took the catalougue out in 1996 is this a dead debt ?

Its only statute barred if you have not made a payment or acknowledged the debt in writing within the last six years

[ODC]

thanks kenny your a great help to me plus everybody else whi's helping me i don't know what i would do without you !!!!!!!!!!!!!!!

Thats what CAG is all about - JUSTICE for the ordinary person against the Bully Boys

[ODC]

I hope you have a copy of this answerphone message. This man is talking absolute rubbish. He is bullying you. Report him to Trading Standards. This debt is now in dispute. He cannot just get a bankruptcy like going down the shops for a pint of milk.

 

Bottom line DEREK

 

NO CCA= NO ENFORCABLE DEBT

 

NO DEBT = NO BANKRUPTCY

 

THREATS = CRIMINAL OFFENCES

 

CRIMINAL OFFENCES = POLICE

[ODC]

all the calls are being recorded i acknoledged the debt over the phone he is now going to issue bankrupcy proceddings to me and i will have to go to court and he is going to put it in writing and he is not going to speak to me anymore only through my solicitor please help !!!!!!!!!!! im crapping myself

You can rest assured that RUTHLESS have no recorings of any call yo made to them. They would need to record everything and this would include all their illegal threats and bullying they have made to you and others.

[ODC]

thanks for your wonderfull advice you 2 you really give me the willpower and strenghth to do this im gonna fax that letter over when i get to work do you think its ok to use works fax machine ????????????????

Withold the number if you do.

[ODC]

I think you should let Derek stew in his own juices. He sounds as if he is getting desperate now. Its not your job to remind him of ANYTHING. The law is VERY CLEAR on this. Not only has he broken the LAW but he is in breach of all the rules and regulations of his scummy industry. Just keep feeding the rope out to him and sure enough you know what happens to people if you give them enough rope.

[ODC]

Yes lets see what crap he writes and then we can dissect it word by word.

 

Derek is getting Desperate now. LOL

[ODC]

I have some nice recordings of Mr Maxwell being abusive and treating to me. Enough for the boys in blue I hope

 

Manf you are not alone just remember that when it comes to those bullies at Ruthless oops i mean Ruthbridge

You were correct first time. They are RUTHLESS and USELESS:p

[ODC]

Oh dear Derek you are a dope. Please explain or get one of your minions to explain HTF you can get a bankruptcy order for an unproven debt. You havent even got a CCJ.

 

Manf dont worry about the try on with the Without Predjudice bit. In the circumstances I am confident a judge would allow you to admit this in court

 

Anyway you dont have to worry about Ruthlesses complaints procedure now as Del Boy has told you that is his final communication on the matter. So go straight to the FOS.

 

Thank you Derek.

[ODC]

a big big thank you to you all your such a great help......... to contact the fos i know i sound naive but who are they and do i phone or ring them ? sorry im not stupid but ive never heard of em

Manf you can now go directly to the FOS as Derek on behalf ot Rutheless has refused to discuss the matter with you and has given you HIS FINAL ANSWER. So now his employers will have to give the FOS £400 to investigate your complaint. Forget about Dopey Dereks threats he has diddly squat to go to court with. If ''his clients'' follow his pathetic advice then they will be as deep in the merde as he is

 

NO CCA = NO ENFORCABLE DEBT = BYE BYE RUTHLESS:-D

[ODC]

 

Let's all apply - might keep them occupied, and off peoples' backs for a while!!

 

 

How many of us would pass their credit checks:lol: Of course being on the inside with a bit of computer knowledge there would be plenty of scope for mischief making.

 

I think they would not accept me as my parents were married when I was born

[ODC]

still not heard anything from ruthless the 12+2 days is up today............whats the next step.............????????????? xx

My my you are an impatient one. Wait for the calendar month and then Ruthless will have committed a summary offence and you can report them to TS.

 

I am very disappointed that Ruthless have stopped calling you. After all they told you that my advice was rubbish.

[ODC]

Richard or DICK for short is whistling in the wind for some money. Should he have managed to get through to you it would have been as my Simian friend says some cock and bull nonsense. Useless Ruthless have failed to produce the CCA and therefore are not in any position to demand you ring them. In the unlikely event they produce an executed CCA without flaws then you can talk to them. Ignore all ther calls and threats. KEEP A LOG OF THEM ALL FOR LATER )You have the law and CAG on your side. So if you are reading this DICK please dont bother ManF any more. We have our eyes on you and your disreputable organisation.

[ODC]

Manf

Do not worry.

As everyone has told you this is a Ruthless standard scary letter. Its very simple NO CCA=NO COURT CASE.

 

Let the idiots make all kinds of empty threats. Obviously now they are getting desperate. They have made a couple of glowing errors on their supposed Court letter but there is no point in letting them know on an open forum because we know they are reading it.

 

UNDER NO CIRCUMSTANCES PHONE THEM. You may want to use a public call box to telephone the supposed telegram number just to confirm for your harrasment complaint that its RUTHLESS ringing you. If they had sufficient evidence to merit a court case they would have done so long ago and would not be sending you scary letters. Contact any of us by PM if there is anything we can help you with regarding this shower. Dont let them worry you. We have taken on a defeated people a lot more professional than Ruthless

[ODC]

hi guys ive just sent a letter in the post to remind ruthbridge that their 12 days have been and gone and they have until the 12 th of september to comply....................... i pm'd dpick and he sent me back a letter so ive typed it up at work and i will post it off in the morning just thought i would keep you all updated;)

Personally I really think you should wait until the 12th September when the commit the summary offence. Its not your job to remind Ruthless that they are in default. They will use your letter as an excuse to ring you up to discuss the matter for the sake of another couple of weeks I would wait. Then you can report the arrogant imbeciles direct to TS

[ODC]

Manf as we told you before the onus is on RUTHLESS not you. Next time you feel like helping them DONT. Just think of some of the sh!tty things they have told you on the fone. If you waith the Calendar Month you can report them directly to TS as well as sending them one of Curlybens very effective BOG OFF letters. By the time the month is up you will know they have diddly squat and can sleep easy in the knowledge they can do sweet FA to you. They will get bored and move on to some other victim to [problem]. Its unfortuante for the Piers Morgan at Ruthless that drew your account wont get his/her monthly blood money but hey this is life and sh!t happens:D

[ODC]

Just that we wouldnt want the Useless Ruthless to think they had the slightest chance of winning this one.

[ODC]

yeah dont give anything away, let them show their cards first.

Probably a busted flush. Tey reall arent very good bluffers

[ODC]

good morning all

it has been quiet from you know who for weeks now !!!!!!!!!!!!!!!!!!!!

i wonder what they are up to, i hope everything is alright with you all x

 

Ruthless have got until the 12th of Sept, then thats the 40 days up as well then i will need a bit od help if you don't mind about sending them a bogoff letter is that the right move to make ?????????????

 

Manf, as ever WAIT, until they demand payment.

Then, and only then will we go with a boggoff letter and report to TS

Damn my Simian friend beat me to it. Rememb er this is the same bunch of clowns who threatened you with all sorts and referred to me personally in remarks about CAG. They are not so clever now. They will be less clever when they get a BOG OFF letter plus a complaint to themselves and TS and a little demand from the FOS for £ 400.

 

I will leave it up to you Manf to decide who was right your CAG buddies or those awfully nice threatening bullies at Ruthless:rolleyes:

[ODC]

okkie dokkie

thanks curly i WILL wait and wont make a move without ny cag buddies;) xx

Curly B's BOG OFF letter is a classic but way too clever for your pals at Ruthbridge. They will be totally unable to answer it