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  • #31
    Re: Ruthbridge letter and calls at work

    Originally posted by leeroy221 View Post
    I have tried to upload/attach the letter i received but seem to be having a bit of trouble. Will try again later.

    If i write back using the know nothing/prove it letter, should i also add a bit in there that the alleged account is not even on my credit file? Thus meaning they should get the hint that even if it is mine, it will be SB?
    use this--------> niddy@all-about-debt.co.uk
    Send the letter as it is.............
    I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

    If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

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    • #32
      Re: Ruthbridge letter and calls at work

      Originally posted by leeroy221 View Post
      By secure site i mean i work in a military base so they should not have been able to get the number they used. We are not allowed to give it out either.
      Then it's a number you have previously used for instance, have you ever given it out when applying for anything? if so then a lender/dca searches N Hunter which tells them things like work numbers etc (when you last made an application for credit)....
      I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

      If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

      Comment

      • #33
        Re: Ruthbridge letter and calls at work

        Originally posted by leeroy221 View Post
        I have tried to upload/attach the letter i received but seem to be having a bit of trouble. Will try again later.

        If i write back using the know nothing/prove it letter, should i also add a bit in there that the alleged account is not even on my credit file? Thus meaning they should get the hint that even if it is mine, it will be SB?
        No, don't do that! If you can send me a copy that'd be great.....
        I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

        If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

        Comment

        • #34
          Re: Ruthbridge letter and calls at work

          Originally posted by leeroy221 View Post
          By secure site i mean i work in a military base so they should not have been able to get the number they used. We are not allowed to give it out either.
          I thought that was what you meant!

          Can you get the MoD plods to investigate?

          Comment

          • #35
            Re: Ruthbridge letter and calls at work

            Hi Leeroy

            I know its easy to say, but don't let these lowlifes stress you out, this is how they work and this is how they manage to get people to make payments.

            Think about it - if a total stranger called you up and demanded money from you what would your response be normally?!

            Cabot and Ruthbridge specialize in buying SB debt and then scaring people into paying back a debt that they don't have to.

            The prove it letter is the first step - the onus of proof is on the DCA to prove a debt exists, not on you to prove it doesn't.

            Let them get their knickers in a twist over providing evidence of a debt. They make come out with some garbage about having a 'statement' or even that you made a payment in the last 6 years.

            Again, you will ask them to provide the evidence.

            When you have got them worked up enough on that, you will hit them with a CCA request. This should make them scurry off as the effort at this point won't be worth it.

            But one step at a time right?!

            Best
            SnV
            "I fear all we have done is to awaken a sleeping giant and fill him with a terrible resolve."

            The consumer is that sleeping giant.!!


            I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

            If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

            Comment

            • #36
              Re: Ruthbridge letter and calls at work

              ^^^^^ He's the man to speak to when it comes to PDL's - take on board what he says Leeroy
              I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

              If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

              Comment

              • #37
                Re: Ruthbridge letter and calls at work

                thanks for the replies above.

                I will write out the letter tomorrow and send it as per the template

                Niddy, i will send you the exact letters via email tomorrow from work if thats ok.

                Saltnvinegar, thank you for the comments. It is very hard not to get down about this but you guys have been a great help and are keeping my chin up

                Big thank you to you all

                Comment

                • #38
                  Re: Ruthbridge letter and calls at work

                  No probs mate, just bob me the email and I'll reply as soon as....
                  I'm the forum administrator and I look after the theme & features, our volunteers & users and also look after any complaints or Data Protection queries that pass through the forum or main website. I am extremely busy so if you do contact me or need a reply to a forum post then use the email or PM features offered because I do miss things and get tied up for days at a time!

                  If you spot any spammers, AE's, abusive or libellous posts or anything else that just doesn't feel right then please report them to me as soon as you spot them at: webmaster@all-about-debt.co.uk

                  Comment

                  • #39
                    Re: Ruthbridge letter and calls at work

                    Think i have managed to upload the letters rec'd now:
                    Last edited by Deepie; 22 March 2012, 09:03.

                    Comment

                    • #40
                      Re: Ruthbridge letter and calls at work

                      Originally posted by leeroy221 View Post
                      Think i have managed to upload the letters rec'd now:
                      I've removed your letter for now ....as it's got your name on
                      I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                      If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                      Comment

                      • #41
                        Re: Ruthbridge letter and calls at work

                        Thanks in 2 deep, didnt realise i left it on there. Did you see it? Was it just a standard letter they write?

                        I sent off the reply and will post when i receive a response from them.

                        Thanks.

                        Comment

                        • #42
                          Re: Ruthbridge letter and calls at work

                          Originally posted by leeroy221 View Post
                          Thanks in 2 deep, didnt realise i left it on there. Did you see it? Was it just a standard letter they write?

                          I sent off the reply and will post when i receive a response from them.

                          Thanks.
                          just a standard letter
                          I'm an official AAD Moderator and also a volunteer, here to help make the forum run smoothly. Any views or opinions are mine and not the official line of AAD. Similarly, any advice I have offered you is done so on an informal basis, without prejudice or liability. If in doubt seek advice from a qualified insured professional - Find a Solicitor or go to the National Probono Centre.

                          If you spot an abusive or libellous post then please report it by Clicking Here. If you need to contact me, for instance if I've issued you a warning, moved, edited or deleted your post, please send me a message by clicking my username.

                          Comment

                          • #43
                            Re: Ruthbridge letter and calls at work

                            Hi all,

                            Had a reply from Ruthbridge, although its not a reply to my letter.

                            It says that during these difficult economic times they know things are hard and tough for everyone which is why they are offering me a fabulous offer..... I can pay a one off payment of £500 to close the issue. I trust you will find this offer very appealing against the total debt which is £2460(think this was the total). This offer is only walid until 3/4/2012.

                            I will await for a response to the letter i actually sent them.

                            Comment

                            • #44
                              Re: Ruthbridge letter and calls at work

                              Originally posted by leeroy221 View Post
                              Had a reply from Ruthbridge, although its not a reply to my letter.

                              It says that during these difficult economic times they know things are hard and tough for everyone which is why they are offering me a fabulous offer..... I can pay a one off payment of £500 to close the issue. I trust you will find this offer very appealing against the total debt which is £2460(think this was the total). This offer is only walid until 3/4/2012.

                              I will await for a response to the letter i actually sent them.
                              Don't hold your breath.

                              Comment

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