Terrified of Ruthbridge

[Undercover Elsa]

Re: Terrified of Ruthbridge

Not as out of the way as it sounds, LOL..you wouldn't have to go bust, you could specialise in low F&F's ( ), buy the debt for pennies in the pound, take a low F&F based on purchase price plus a small profit...voilá... everyone's happy!

[Never-In-Doubt]

Re: Terrified of Ruthbridge

So many thanks everyone !! Given that Experto sold it on to Ruthbridge (I assume), will Ruthbridge now be asking Experto for their money back ??

Nah it'll be partially assigned, ie they just asked the other to collect / scare you for them - for a fee if they actually collect. If they do not collect then no fee is due.

I may start a DCA business with the sole intention of taking all the debtor accounts for a major bank and then accepting £1 offers from everyone in F&F - so what if I go bust - in some way it's rough justice served cold at the banks

[reliant]

Re: Terrified of Ruthbridge

So many thanks everyone !! Given that Experto sold it on to Ruthbridge (I assume), will Ruthbridge now be asking Experto for their money back ??

[Never-In-Doubt]

Re: Terrified of Ruthbridge

Yep well done, they've passed it back to the other DCA Experto who, for the record, aint experts at all - far from it

[reliant]

Re: Terrified of Ruthbridge

TWO letters today !!

One addressed "Dear Sir/Madam" , offered me a generous discount if I contact Ruthbridge immediately and then went on to threaten making me bankrupt if I didnt.

The other, on dead posh paper dated a day EARLIER than the other one and with a sort of nice Spirogragh design down the bottom arrived, as I say on the same day by first class post with "first class" written on it twice.

Standards of courtesy have slipped at Ruthbridge because the letter starts "Dear D......"; no title, just my surname, I was was "Sir/Madam" in the first one but perhaps it was typed in a hurry. I dont know.

Anyway this, posh letter from a Mr Amit Rao told me how Ruthbridge had gone into a huddle with their "client" who had requested that the matter be passed back to them, "in order for them to deal with the matters you have raised directly".

It goes on to tell me that its all been closed down on their systems and returned to Experto Credite (who I have never heard of BTW) and that they dont want to talk to me anymore and don`t want to send me any more letters.

Does this mean that they`ve gone off me ???

[reliant]

Re: Terrified of Ruthbridge

Well Mr Amissah got his letter. Someone called "Beverly" signed for it. I wonder if shes only using her first name in case I scan it and cook up my own "agreement" lol !!!

[Never-In-Doubt]

Re: Terrified of Ruthbridge

Many thanks to all. Letter sent, feeling better already !!!

good!! keep us updated yea

[reliant]

Re: Terrified of Ruthbridge

Many thanks to all. Letter sent, feeling better already !!!

[kilasuit]

Re: Terrified of Ruthbridge

99% of the time their threats will remain as just that, threats!

Lets be frank but the threats are just complete tosh and in 99% if cases completely ignorable. Best to be binned and forgotten.

[garlok]

Re: Terrified of Ruthbridge

Hi reliant,

We spoke when you first came here. Please listen to what the guys are saying here. Please have a read some of other people's stories. They are all going to get fed up of this record but our cases have been going on a total of 4 years now. We have got through 16DCAs and 3 solicitors practices. 2 of the accounts have just been sold in Absolute to another bunch of lowlife. All this despite instructing solicitors who investigated found unlawful activity on our accounts, who discovered the OC had no legal paperwork and told them if they felt they had a case then they had better go to court.

Its a war of attrition and they will break every rule in the book, you just have to stay calm and swat them down with the templates and methods that are given to you here. There are a number of forums out there who are falsely claiming in my view to be consumer help forums but are in fact pro bank anti debtor and if you have been reading those then you will not have been given a true picture. Don't let them get to you, from what you have said so far you are holding all four of the aces. So follow the procedures freely given to you here, they work and you can sleep easier at night.

regards
Garlok

[Deepie]

Re: Terrified of Ruthbridge

Even when its SB they will probably try it on.

Yes...LOL but it won't fit....

[helmsman]

Re: Terrified of Ruthbridge

Seems wrong tho that one DCA can send a letter in 2008 saying "No further action" and then this lot pop up years later trying it on again. Weirdness.

Even when its SB they will probably try it on.

[reliant]

Re: Terrified of Ruthbridge

Seems wrong tho that one DCA can send a letter in 2008 saying "No further action" and then this lot pop up years later trying it on again. Weirdness.

[reliant]

Re: Terrified of Ruthbridge

Ok all prepared and ready to send. Thanks to all.

[helmsman]

Re: Terrified of Ruthbridge

Trust us - our templates work

Hi,
Just read a few of the diaries, you will see Niddys advice works well, a lot of us have letters saying they cant produce a cca but that dosnt stop the threats, thats what the templates are for.
Good Luck.