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  • #1

    Terrified of Ruthbridge

    I have had a very weird letter from someone called Yvonne Richards from Ruthbridge. No details just telling me that "This address has been identified to us as a forwarding address for our customer Mr M...... B.... with whom we need to establish contact. The information was verified and supplied to us by a CRA" They go on to ask me to phone 020 8734 3599 and quote a reference number.
    Im beside myself with worry. I had a MBNA card account for £6000 that has been in dispute since September 2008 and having CCA`d MBNA, they passed it to a DCA who again passed it on. It all went quiet for months and now this. I have heard horrible stories about bankruptancy proceedings and homes being lost and Im terrified.
    Thay are saying that I have to contact them within 10 days or they will issue "further correspondance or arrange for an agent to telephone"
    What can I do ??? If I cca them again ive heard they will use the £1 as payment against the debt thus aking it look as if I have acknowledged it ?

    Here is a brief diary of events:
    Account Opened 7/2/1993

    Last payment recorded 2nd November 2008.

    Account in dispute 14/11/2008 (after 2nd CCA request letter)

    MBNA wrote to advise me they had no CCA December 2008 and sold account to DCA in Jan 2009. (It was in November 2008 that I wrote to ask how my late wife had applied for a card in my name, I never recieved a reply).

    DCA records default 31/7/2009 9 months after last recorded payment made by my wife, I think via a trans cash payment at the post office but I am not sure. I have no access to her (now closed) bank account.


    Please help me Im so scared.

    Tags: 1st, 1st credit, 2nd, act, action, barclays, card, cash, cca, cca request, civil, collectors, con, court, courts, cra, credit, creditor, customer, dca, dca's, debt, default, details, fine, homes, ico, legal, letter, lost, mbna, niddy, no cca, oft, phone, post office, reference, resources, rules, ruthbridge, sar, signature, stop, telephone, template, templates, terrified, transaction, unenforceability, unenforceable, wife
  • #2
    Re: Terrified of Ruthbridge

    Hi mike,

    Welcome to AAD!. Firstly don't panic about this and please don't call them on the telephone. Keep everything in writing from nowon. If they call you don't ebven go throught their silly security questions, just tell them everything writing via Her Majesty's mail and put the phone down.

    Don't know too much about Rurhbridge but it looks like a bit of a phishing exercise to me. Firstly can I ask you to have a look here:-

    >Unenforceability Diaries - Read me First! - allaboutFORUMS

    Threatening what they cannot do which is what they have done here is not allowed under the OFT guidelines, until they get a CCJ which you then subsequently default on then there is no chance of bankruptcy or a charging order on your home. Until they prove they actually own the debt in Absolute then they have NO powers in law whatsoever just for a start.

    People who know about this crowd will be along and offer more than me. Just hang in there.

    regards
    Garlok

    Comment

    • #3
      Re: Terrified of Ruthbridge

      Originally posted by mikeb View Post
      I have had a very weird letter from someone called Yvonne Richards from Ruthbridge. No details just telling me that "This address has been identified to us as a forwarding address for our customer Mr M...... B.... with whom we need to establish contact. The information was verified and supplied to us by a CRA" They go on to ask me to phone 020 8734 3599 and quote a reference number.
      Im beside myself with worry. I had a MBNA card account for £6000 that has been in dispute since September 2008 and having CCA`d MBNA, they passed it to a DCA who again passed it on. It all went quiet for months and now this. I have heard horrible stories about bankruptancy proceedings and homes being lost and Im terrified.
      Thay are saying that I have to contact them within 10 days or they will issue "further correspondance or arrange for an agent to telephone"
      What can I do ??? If I cca them again ive heard they will use the £1 as payment against the debt thus aking it look as if I have acknowledged it ?

      Here is a brief diary of events:
      Account Opened 7/2/1993

      Last payment recorded 2nd November 2008.

      Account in dispute 14/11/2008 (after 2nd CCA request letter)

      MBNA wrote to advise me they had no CCA December 2008 and sold account to DCA in Jan 2009. (It was in November 2008 that I wrote to ask how my late wife had applied for a card in my name, I never recieved a reply).

      DCA records default 31/7/2009 9 months after last recorded payment made by my wife, I think via a trans cash payment at the post office but I am not sure. I have no access to her (now closed) bank account.


      Please help me Im so scared.

      Hi dont panic Niddy will be along soon I also have a letter from MBNA stating they dont have a CCA and until they provide one it cannot be enforced,

      Comment

      • #4
        Re: Terrified of Ruthbridge

        Thank you for your help. Im afraid im not coping too well with this. Im only guessing that the old MBNA debt is what they are after thers nothing else I settled all my other debts after valid cca`s were sent to me by other creditors after my wife died and I had to start reorganizing my life.

        I thought I had it all worked out back in 1998 when a demand for payment from MBNA turned up and I CCA`d them. They wrote back and said they didnt have one and sold the account almost immediately. After a lot of hassle with Aegis and Intrum Justitia during which time I repeated ly asked for a cca it all went quiet and now this from out of the blue. Im worried sick.

        Comment

        • #5
          Re: Terrified of Ruthbridge

          As I didn't know much about them mike, I have just looked them up for you. They are merely a debt collection agency and tracing service who seem to specialise in debts which are Statute Barred. From what you say about your problem, don't answer them at all just yet we will find a way forward for you. Hvae a read around to see how we do things here first.

          Just hang in there at present but we may need a bit more information to find the best way of dealing with it.

          regards
          Garlok

          Comment

          • #6
            Re: Terrified of Ruthbridge

            Ive been reading all over the place on here Garlok. I have all information to hand. I know im handling this badly but I have a depressive illness and find coping with things very hard. Thank you so much for allowing me on board !!

            Comment

            • #7
              Re: Terrified of Ruthbridge

              Hi MikeB

              The letter you have mentioned is a standard 'fishing' letter and is worded in such a way to make you 'bite'.

              As Garlok has already mentioned do not call them on the telephone.

              The reason they have sent you this letter is that they more than likely will have no more information than:

              1) An account number and balance
              2) An address

              If you contact them by telephone, unless you withold your number, they will instantly have this and record it. They will also try to convince you they need a telephone number for 'security'.

              What they mean by this is you then give them the means to phone you constantly and subject you to harrassment.

              Ultimately there is no compulsion to respond to this letter, there is nothing to state why you should, and you could easily argue that as there was no credible reason stated to require you to call them you thought it was nothing more than a scam.

              Until they write to you with something more substantial I wouldn't let it worry you.

              Do you still have the letter from MBNA stating that they do not have a CCA?

              If so then if it is for this account, and if the morons from Ruthbridge bother to follow this up, then you can send them a letter stating that you are still waiting for compliance from your CCA request, that MBNA have admitted to not having a CCA and to go forth and multiply!

              You are a loooooong looooooong loooooong way from bankruptsy/charging orders and all that gumph even if things were to ever get to that stage.

              As MBNA have admitted they don't have a CCA its likely these losers have bought the debt for next to nothing and are chancing their arm.

              Important thing here, is that this is a bit like playing 'chicken' and you don't want them to make you blink. The ball is still very much in their court so let them play their hand and make the next move.

              Once/if they do you can take things from there.

              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

              • #8
                Re: Terrified of Ruthbridge

                Hey mike, its not a case of allowing you on board, all those genuinely in need are welcome here and we have more senior mods than me who are experts in weeding those that aren't. A number of our members have depressive illnesses. We don't judge anyone here. Our aim in life is to help and support others who are in trouble. Most of us have been or are where you are now and some stories are horrible. However you are now here, you can look anywhere you like on this forum and you will note that abuse of other members is not tolerated, unlike many other forums.

                However from the information you have suplied so far it would seem that you already have a letter from MBNA saying that there is no agreement. Well thats real tough as Ruthbridge can do nothing until such times as one is found. The account is UE, end of until the unlikely event one is found. We have a series of template letters and also "Niddy specials" (Niddy as he is known is never-in-doubt the owner of the site and expert in this stuff). Finally if things get really rough we have a site preferred solicitor who we can refer your case to who is full blown specialist in this field.

                If it was me at the moment I would sit tight, it seems to me you have all the aces at the moment. You have seen off the other crowd, this just another bunch of the same. I know and understand it is distressing for you but you are now in good hands. But each time they put a foot wrong, we put them down by arming you with the tools to do it.

                Sleep a little easier tonight.

                regards
                Garlok

                Comment

                • #9
                  Re: Terrified of Ruthbridge

                  Thanks SnV,

                  Very well put. Your input for mike is much appreciated.

                  regards
                  Garlok

                  Comment

                  • #10
                    Re: Terrified of Ruthbridge

                    Originally posted by mikeb View Post
                    Thay are saying that I have to contact them within 10 days or they will issue "further correspondance or arrange for an agent to telephone"
                    So to put this in perspective if you don't call them in 10 days they will write you another letter or get one of their phone monkeys to phone you (which they can't as you've changed your number)

                    So don't respond, and after 10 days see what new garbage graces your letterbox.......




                    Originally posted by mikeb View Post
                    If I cca them again I've heard they will use the £1 as payment against the debt thus aking it look as if I have acknowledged it ?
                    Not if you word the CCA request correctly, and if they then did this you would issue them with a spanking



                    But as you have that letter from MBNA then thats your trump card at the moment. You shouldn't even need to CCA again as this is if the original creditor doesn't have one chances are any DCA aren't going to unearth one either!

                    You're in a strong position right now so you can relax a bit.

                    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

                    • #11
                      Re: Terrified of Ruthbridge

                      Originally posted by garlok View Post
                      Thanks SnV,

                      Very well put. Your input for mike is much appreciated.

                      regards
                      Garlok
                      Nay problemo!
                      "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

                      • #12
                        Re: Terrified of Ruthbridge

                        Originally posted by mikeb View Post
                        Ive been reading all over the place on here Garlok. I have all information to hand. I know im handling this badly but I have a depressive illness and find coping with things very hard. Thank you so much for allowing me on board !!
                        Mike
                        Your not on your own with this any more you have found the right place for help just sit tight and you will be ok ,we though the world was coming to an end before AAD and I also suffer from a depressive ilness as well as many other things and I have found AAD to be a tonic at times just knowing there are other people willing to help
                        Regards
                        what2do

                        Comment

                        • #13
                          Re: Terrified of Ruthbridge

                          Everyone. I simply dont have the words to say how good it is to have someone to talk to. Im afraid to go out and have been this way for as long as I can remember. Today I smiled because you were there for me. I will keep you informed. God Bless you all.

                          Comment

                          • #14
                            Re: Terrified of Ruthbridge

                            Hi Mike & Welcome

                            As the guys above have stated, don't stress - if they get clever with you we'll kick their arses and get them sorted. Thing is, whatever you do don't respond to them - await further correspondence and then post here with details before doing anything.

                            If for whatever reason they get your new number then similarly, just hang up - do not get drawn into dialogue with them. These guys are clowns and nothing to be scared of so don't be.

                            Best of luck, and chill out yea? Debt cannot hurt you in any way or form.
                            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

                            • #15
                              Re: Terrified of Ruthbridge

                              I notice you asked about this OTR ---> Terrified of Ruthbridge

                              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

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