Ruthbridge letter and calls at work

[leeroy221]

Hi all, newbie here for some advice please.

I received a letter yesterday from Ruthbridge saying they have got my address from a credit agency and asked my to contact them. If i didn't a rep would call me.
I have rechecked my Equifax report and some old reports and noted that i had a couple old credit cards/loans which had gone statue barred and are off of my current report. What should i do? Those debts were from my younger silly years hence the non payment. I have paid most of my old debts even through Lowell i paid a couple old debts off inc the one the CCJ is against! Should i ignore or contact them? They made no ref to what it related to or balance etc.

I am concerned now though as i have just been accepted for a mortgage (all bad credit was told upfront and even my ccj which is 6yrs old in November). Could their letter effect my mortgage now? What are the possible repercussions?

Just as I wrote the above I received a phone call from them in work.. I cant believe it. How the hell they got the number ill never know as i work in a secure site. I kindly told them never to contact me on that number again and they rudely said we will call here again as you do not respond any other way? I have had 1 letter from these people yesterday! I said bye and they were shouting something down the phone but i put the phone down.

This has upset me quite a bit and raised my stress levels even more (I already suffer from stress related illnesses and anxiety). What can i do about them calling my work?
Thanks

[snudgerchops]

Re: Ruthbridge letter and calls at work

Welcome to the form Leeroy.

I'm sure someone will be along soon to assist you. Don't Worry you'll get a lot of help.

Maybe have a look at some of the templates.

Snudgerchops

[billypre]

Re: Ruthbridge letter and calls at work

Well for a start they should NOT be contacting your work....... this is nothing more than intimidation and an attempt to embarass you. I don't know the exact templates to send but someone will be along very soon no doubt !

[Deepie]

Re: Ruthbridge letter and calls at work

Send them this..........>..........Harassment by Telephone at Work

[billypre]

Re: Ruthbridge letter and calls at work

Knew there was a template Might need tweaked a bit to suit your situation but its all their

[leeroy221]

Re: Ruthbridge letter and calls at work

Hello all,

Thank you for the replies above, for some reason it wont open the templates? It starts to load then goes back to the previous page.

Thanks,
Lee

[Deepie]

Re: Ruthbridge letter and calls at work

copy & paste from here ... I'll ask sombody to check it out


Dear Sirs



Account No/Reference No: XXXXXXXX
I refer to previous correspondence regarding the above numbered account, and your lack of diligence in dealing with my formal demands to cease calling me at my place of work.

This is now my final warning to you, I have sent you several letters to date - telling you this alleged account is unenforceable until you can provide me an original photocopy of the alleged signed agreement. To date you have failed to comply with my statutory request and have defaulted in respect of this account. Additionally this alleged agreement is in dispute and will remain so until such time as you come out of default or it is enforced by a court of law. It is a further offence to attempt to enforce this alleged agreement until such time as your default is revoked.

Therefore the fact you are continually calling me at my place of work proves you have no respect for legislation set out by the Office of Fair Trading which clearly states that you cannot cause me embarrassment, harass me or pursue a disputed debt.

Which area of your own Debt Collection Policies do you not understand, and I will spell it out for you? I demand that these calls cease effective immediately, any further breaches will result in my seeking a judgement order against you as well as claiming compensation and all costs for my breakdown and possible loss of occupation as a result of your intimidating and harassing calls, at my place of employment.

I await your prompt response.
Yours faithfully,

[Deepie]

Re: Ruthbridge letter and calls at work

Hello all,

Thank you for the replies above, for some reason it wont open the templates? It starts to load then goes back to the previous page.

Thanks,
Lee

It's working fine for me......

[Never-In-Doubt]

Re: Ruthbridge letter and calls at work

Hello all,

Thank you for the replies above, for some reason it wont open the templates? It starts to load then goes back to the previous page.

Thanks,
Lee

That'll be your system. They work fine

[Never-In-Doubt]

Re: Ruthbridge letter and calls at work

The CRA's subscribe to N Hunter which gives them employment details from your last applications.

Whenever I apply for things I always use a dummy number - usually the local rate Halifax number as its Leeds (0113) same as me

[leeroy221]

Re: Ruthbridge letter and calls at work

Ok thanks,

It may be because i am in work and using my work computer.

Should i send that letter as they have not stated in their previous 1 letter i received what debt it refers to?

I have only received one letter which only says we have received your address from the credit ref agency please call us - no ref to any account number, amount etc. And 2 calls to my work number which i only said to them do not call on my work number again - so i do not know what they are refering to.

Should i write a letter to them asking for details of what they want and also ask them not to contact me on that number and only correspond in writing and until they state what they want i will not reply?

Thanks,
Lee

[Deepie]

Re: Ruthbridge letter and calls at work

^^^^^^^^^^ just tweak it to suit

[mgfboy]

Re: Ruthbridge letter and calls at work

I would have thought it wouldn't effect the mortgage if you have a formal offer letter and you disclosed the adverse credit.

I would just send a letter , including the not only the telephone at work bit and also that you will only communicate by letter bit from one of the template and then after that ask them what it's all about. Once you know that the people on here will guide you.

[leeroy221]

Re: Ruthbridge letter and calls at work

Ok thank you.

I will jot up a letter and upload it here before sending to make sure its ok.

Thank you all so much for your help so far

[leeroy221]

Re: Ruthbridge letter and calls at work

Hello again all,

Is this ok to send?




Ruthbridge Limited
My Address Ruthbridge House
15 London Road
Twickenham
Middlesex
TW1 3ST






Dear Sir/Madam,

I recently received a letter from you requesting I call your office, due to the fact you have made no indication or reference to what this refers to I will not be doing so.

If you wish to contact me and explain what you are referring to please do so in WRITING ONLY. This is a formal demand, please do not make contact with me at work using the phone number you have previously used. This request is IAW the Office of Fair Trading which clearly states that you cannot cause me embarrassment, harass me, especially as you have not made clear why you are doing so in your previous single letter.

If you do not adhere to the above request I will seek a judgement order against you as well as claiming compensation and all costs for my breakdown and possible loss of occupation as a result of your intimidating and harassing calls at my place of employment.


I await your prompt response.
Yours faithfully,

Abc def ghi

No signature attached to this letter