Terrified of Ruthbridge

[reliant]

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 !!

[garlok]

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

[reliant]

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.

[helmsman]

Re: 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.

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,

[garlok]

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

[reliant]

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.