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A letter arrived at my address last week from Ruthbridge ltd. It was addressed to my son who hasn’t lived at this address for over ten years. He had a bad accident last year which ended up with him living here while he recuperated for three months. The first letter said :
Dear Mr XXXXX
This residence has been identified to us as a forwarding address for our customer Mr Xxxx Xxxxx with whom we need to establish contact. This information was verified and supplied to us by a Credit Reference Agency. Please contact our offices immediately on telephone number 020 8734 3599 and quote reference number xxxxxxxxxxx at which time further information can be provided. If we receive no response within 10 days we may issue further correspondence or arrange for an agent to telephone you. Yours sincerely Miss Yvonne Richards Customer Relations Officer. I did not contact them as I had read on the internet that it was best not to admit any liability.
Today another letter arrived from them saying:
Client Name:Cabot Financial Europe Ltd
Client Reference: xxxxxxx
Assigned from: MBNA
Regarding: Credit Card
Balance £xxxxxx
Dear Mr Xxxxx
We hace been instructed by Cabot Financial Europe Limited who have passed the above debt to us for collection of the outstanding balance. As we have been appointed as their agent you should now make sure you contact us and not Cabot Financial Europe Limited. We are authorised to negotiate repayment of debt with you. Please contact us to discuss the repayment of the above account to avoid a recommendation to our client to proceed with further action against you for the recovery of the outstanding balance. Depending on your financial status, provision may be considered by way of an attractive settlement option which could substantially reduce the sum due. Alternatively, whilst we are happy to consider instalments we would like to make it clear, that such an arrangement would only be considered against the full outstanding balance. All payments should be sent to the above address and made payable to Ruthbridge Limited with our reference number, clearly stated at all times. Alternatively you can make payments by using our direct debit or card facilities on the above telephone number. Yours sincerely Mr Marcus Graeme Recovery Division.
I have rung my son today about this and he says that he cannot remember when he had an MBNA Credit Card but that he has not had one since moving away from this address some ten years ago.
He is going to his bank today to see if he can find out when any last payments where made to this company. Is there a way that we could find out exactly when he had this card without speaking to Ruthbridge which I know is not a wise thing to do. When my son was here for a short while last year I paid some debts off for him which had come to light but I am not in a position to pay off this amount.
I would be so grateful of any help that you could give me.
Dear Mr XXXXX
This residence has been identified to us as a forwarding address for our customer Mr Xxxx Xxxxx with whom we need to establish contact. This information was verified and supplied to us by a Credit Reference Agency. Please contact our offices immediately on telephone number 020 8734 3599 and quote reference number xxxxxxxxxxx at which time further information can be provided. If we receive no response within 10 days we may issue further correspondence or arrange for an agent to telephone you. Yours sincerely Miss Yvonne Richards Customer Relations Officer. I did not contact them as I had read on the internet that it was best not to admit any liability.
Today another letter arrived from them saying:
Client Name:Cabot Financial Europe Ltd
Client Reference: xxxxxxx
Assigned from: MBNA
Regarding: Credit Card
Balance £xxxxxx
Dear Mr Xxxxx
We hace been instructed by Cabot Financial Europe Limited who have passed the above debt to us for collection of the outstanding balance. As we have been appointed as their agent you should now make sure you contact us and not Cabot Financial Europe Limited. We are authorised to negotiate repayment of debt with you. Please contact us to discuss the repayment of the above account to avoid a recommendation to our client to proceed with further action against you for the recovery of the outstanding balance. Depending on your financial status, provision may be considered by way of an attractive settlement option which could substantially reduce the sum due. Alternatively, whilst we are happy to consider instalments we would like to make it clear, that such an arrangement would only be considered against the full outstanding balance. All payments should be sent to the above address and made payable to Ruthbridge Limited with our reference number, clearly stated at all times. Alternatively you can make payments by using our direct debit or card facilities on the above telephone number. Yours sincerely Mr Marcus Graeme Recovery Division.
I have rung my son today about this and he says that he cannot remember when he had an MBNA Credit Card but that he has not had one since moving away from this address some ten years ago.
He is going to his bank today to see if he can find out when any last payments where made to this company. Is there a way that we could find out exactly when he had this card without speaking to Ruthbridge which I know is not a wise thing to do. When my son was here for a short while last year I paid some debts off for him which had come to light but I am not in a position to pay off this amount.
I would be so grateful of any help that you could give me.
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