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My Ruthbridge experiences

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Guest oranges

Hello everyone, posted this in another thread, putting it in my own for you all to see.

 

Well, sometimes putting a search in Google can reap benefits.

 

I am, you would never guess, another poor Ruthbridge hassled person.

I have a debt from a credit card. Hubby and I are sorting out our other debts, this one just got lost, no paperwork anywhere for it. Everyone else is fine, things being paid off.

 

May this year, Dave Davis telpehoned about the debt. Straight away said bankrupcy. I laughed. We have nothing, live in a rented house, no car etc. I asked him what he would take. "That is for them to decide not me" He is a charmer. He has said, not recently, that people would visit the school my son goes to and tell people about it.

I have been in contact with a debt agency, they have been very helpful and I have sent out a few letters. Nothing happens.

Sent a £5 PO, they have cashed it, heard nothing.

Davis telpephoned yesterday, yes, still making me bankrupt. I told him all I know legally. He said it is rubbish (!!) and a doorsteping will take place.

I have written today saying I want no more bullying intimidating telephone calls, they will accept my off of £5 per month or all telephone correspondence and paperwork is going to rhe Office Of Fair Trading. I also put in"it is in your best intersts not to ignore this letter".

I am sure he telephones me as he cannot make premium rate calls at work. I am just as rude to him as he is to me.

 

I have been reading the templates for the CCA. Could I use this if I have sent payment? Is it of any good to me at all or only for statute barred debts.

 

Oh yes, the debt is £1088. BUT , as we rent-even though he did not believe this he had reduced it to £761. I do not know where this came from. I do not have this in writing, I did say in the letter he applied this.

 

Anyway, nice to know it is not just me, and yes, still feeling stressed, but hopefully I will start sleeping after reading these posts.

 

Sorry, one last thing. He asks for my husbands earnings, I have been advised I do not need to do this.

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Firstly welcome to the CAG.....and yes the first thing to do is send the CCA (you can dispute a debt at any time)....(send it by recorded or guaranteed delivery with a £1 postal order - make sure you write at the top I DO NOT ACKNOWLEDGE ANY DEBT TO YOUR COMPANY and also write in the letter I WILL NOT ACCEPT ANY PHONE CALLS FROM YOUR COMPANY - ALL CORRESPONDENCE WILL BE IN WRITING - ANY PHONE CALLS WILL BE TREATED AS HARRASSMENT AND TREATED AS SUCH


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Hello everyone, posted this in another thread, putting it in my own for you all to see.

 

Well, sometimes putting a search in Google can reap benefits.

 

I am, you would never guess, another poor Ruthbridge hassled person.

I have a debt from a credit card. Hubby and I are sorting out our other debts, this one just got lost, no paperwork anywhere for it. Everyone else is fine, things being paid off.

 

May this year, Dave Davis telpehoned about the debt. Straight away said bankrupcy. I laughed. We have nothing, live in a rented house, no car etc. I asked him what he would take. "That is for them to decide not me" He is a charmer. He has said, not recently, that people would visit the school my son goes to and tell people about it.Thats low even for Ruthless and of course totally illegal

I have been in contact with a debt agency, they have been very helpful and I have sent out a few letters. Nothing happens.

Sent a £5 PO, they have cashed it, heard nothing.

Davis telpephoned yesterday, yes, still making me bankrupt. I told him all I know legally. He said it is rubbish (!!) and a doorsteping will take place.They cannot send someone to your doorstep without making an appointment which you do not have to accept.. Should some maggot from Ruthless arrive unannounced at your door. TELL them to leave. If the refuse telephone 999 and report a breach of the peace. Also take registration number of vehicle said maggot was in. Doorsteppers from DCAs have NO LEGAL RIGHTS whatsoever and there is plenty of Case Law on here to back you up

I have written today saying I want no more bullying intimidating telephone calls, they will accept my off of £5 per month or all telephone correspondence and paperwork is going to rhe Office Of Fair Trading. I also put in"it is in your best intersts not to ignore this letter".

I am sure he telephones me as he cannot make premium rate calls at work. I am just as rude to him as he is to me.

 

I have been reading the templates for the CCA. Could I use this if I have sent payment? Is it of any good to me at all or only for statute barred debts.

 

Oh yes, the debt is £1088. BUT , as we rent-even though he did not believe this he had reduced it to £761. I do not know where this came from. I do not have this in writing, I did say in the letter he applied this.

 

Anyway, nice to know it is not just me, and yes, still feeling stressed, but hopefully I will start sleeping after reading these posts.

 

Sorry, one last thing. He asks for my husbands earnings, I have been advised I do not need to do this.NO[/quote]

 

Follow the advice I gave you re CCA on the other thread. There is also a telephone harrassment letter there as well.

 

You are among friends here now

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good so far, and yes do NOT disclose any personal information, if they want it they gotta take you to court for it,

 

as you have in effect made a payment statute barred has now reset.

 

finaly yes send em the CCA make sure u put £1 postal order in and post by recorded delivery.

 

wait 2 days (for post) then count 12 WORKING days (mon-fri only) after these 14 days by law they cannot ask you for money without providing info under CCA. if not you then count 30 CALENDAR (mon-sun) days, if still not provided info under CCA they cannot take legal action against you.

 

they try all sorts of things. also put in letter you will NOT enter into any further communication by telephone ALL communication will be made by post ONLY, if you ignore this "reasonable" request it will be treated as harrassement and you will also be in breach of the Telecommunications Act 2003 S127 and the relevant athorities will be notified.


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Guest oranges

Again, thanks so much. This has made the headache ease. Drafted the letter, shall post it off straight away.

What a company. Very sad world we live in.

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And DONT hand sign the letter either !!!!


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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lol theres far worse out there than Ruthbridge. lets just take 1 step at time and keep us updated so we can advise on next step


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Guest oranges

Do not hand sign the letter?

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NO....do not hand sign it....some DCA's have been reputed to use this signature to forge documents....


PLEASE NOTE - I am not a legal expert, what is stated is my own opinion and from what I have learnt from this forum and my own experiences.

 

DEBT COLLECTION LETTER/SAR/AGREEMENT TEMPLATES ARE HERE - http://www.consumeractiongroup.co.uk/forum/content.php?65-legislation

 

IF WE HAVE BEEN HELPFUL -PLEASE, PLEASE, PLEASE GIVE A DONATION TO HELP US TO CONTINUE HELPING YOU

 

I AM HAPPY TO RECEIVE PM's AND I WILL RESPOND IF I FEEL I CAN ASSIST BUT WHEN YOU DO CAN YOU PLEASE PROVIDE A LINK TO YOUR THREAD ON WHICH YOU WOULD LIKE ME TO COMMENT - THANK YOU

 

IMPORTANT - If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.

Before you decide,consider the users here who have already offered help and support.

Private message facilities are offered for users to communicate issues that are/or could be seen to be inappropriate for posting on the main forum.Site rules explain this in more detail.

If you are approached by private message with a view to asking you to visit another website,please inform the site team via the report icon.

 

Forum rules - http://www.consumeractiongroup.co.uk/forum/forum-rules-please-read/9-forum-rules-please-read.html

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Guest oranges

Oh gosh, gets worse!!

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NO....do not hand sign it....some DCA's have been reputed to use this signature to forge documents....

Allegedley:rolleyes:

 

Apparently someone taught them how to cut and paste signature and concoct official ooking forms.

 

Always send a postal Order and sign your letters in BLOCK CAPITALS


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Oh gosh, gets worse!!
Dave and his colleagues from Ruthless regularly visit CAG to see what we are up to so her is a message for all our friends in the Ruthless sweatshop

 

UP YOURS oh and by the way have a good weekend


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Guest oranges

Then he will know me.

 

Meh, no commission must really hurt him. Perhaps he has debts too. Perhaps he has sunk to his low by doing this job.

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Ha ha youve got the picture. Bullyboys like Dave work on commision. The more they can bleed out of you the bigger their pay cheque at the end of the month. Due to the success of CAG Dave and his buddies must be feeling the pinch. Tough Sh!t. Maybe some of the DCA employees will soon find out what its like to be in debt


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Guest oranges

I like to feel I am compassionate, but to these people, I feel nothing.

There is a saying my nan used to use, could not repeat it here :lol:

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I like to feel I am compassionate, but to these people, I feel nothing.

There is a saying my nan used to use, could not repeat it here :lol:

Any time you feel the slightest inkling of compassion just remember what they put you through.

 

I think we all can guess what you Nan said:o


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as you have in effect made a payment statute barred has now reset.

 

 

Above not strictly true. If a payment has been made within 6 years (5 years for Scottish agreements) of the previous payment/acknowledgement then the clock is re-set. However, if payment was made more than 6 years since the previous payment/acknowledgement, the debt was already statute barred and cannot be unbarred.

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Above not strictly true. If a payment has been made within 6 years (5 years for Scottish agreements) of the previous payment/acknowledgement then the clock is re-set. However, if payment was made more than 6 years since the previous payment/acknowledgement, the debt was already statute barred and cannot be unbarred.
Good point. The OP may have to SAR the OC to see when last payment was made. Still a CCA to Ruthless should give him/her time to get some help from CAG;)

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Guest oranges

No sign of them recieving the letter yet, which is a bit annoying. Perhaps they just read it here :)

If I get it back, I will know.

 

 

Then they know what they can do after that!!

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Guest oranges

This was just my complaint letter, not the CCA one.

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oooooooooooo send the CCA it very important, probably the most important


If my advice has been helpful please feel free to click on my scales :grin:

 

Creditors and DCAs - Letter Templates & Budget Planner (CCA request letter N)and other templates)

 

Debt Collection Agencies & Statutory Demands, a few strategies

 

Abbey charges, Won

B-card non-disclosure of S.A.R, WON £30 costs awarded

B-Card, court for harrasement, failed to defend WON £175 http://www.consumeractiongroup.co.uk/forum/general-debt-issues/125554-28-days-later-no.html#post1422508

B-Card charges, partial refund, still fighting

Vanquis-Cabot, GIVEN UP :lol:

HFC & my mum, no brainer, no CCA http://www.consumeractiongroup.co.uk/forum/general-debt-issues/133330-hfc-my-mum.html#post1404514

 

PLEASE donate to CAG however small. They are fighting for YOUR rights as a consumer. http://www.consumeractiongroup.co.uk/forum/

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Hi Oranges,

 

I was like you Ruthless called me 18 times a day so sent them a nice harassment letter and then it went down to 10 day for a few days then just used to walk off and leave the phone or put it next to my very loud bulldog snoring the calls stopped, I then sent a CCA letter in July still not received my CCA or a reply to my S.A.R

 

But i did get a nice letter from a certain person at ruthbridge telling me my case had been returned to cabot, hmmmmmmmm I'm sure reporting ruthbridge to the OFT & TS had nothing to do with that decision:rolleyes:

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Guest oranges

haahaa, I am getting my favorite rock song ready to play down the phone :)

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Guest oranges

My letter has not even got there, phoned the Royal Mial this morning. Useless PO have probabaly lost it.

As I just said in manf's thread, I never get asked security questions, the fool just tries to bully me.

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