Ruthbridge Limited.. Help

this_is_not_funny

An old credit card had been used in my name. First I heard about it was a year ago, when a debt agency demanded payment. I reported this to the police ( cant help me)...so have spent the last year asking for evidence of this debt...all I want is to see signatures and statements...this card was used pre chip and pin. The debt has been passed from Mackenzie Hall to Ruthbridge Ltd. I keep asking for proof of this debt, but have recieved only letters demanding payment..and now if I dont pay the £810.00 in the next few days, they are going to issue Bankruptcy proceedings for the recovery of this money, can they do that?.... This is not my debt, the card was used in my name, and Ive no intention of paying, Im at my wits end with this, I cant afford a solicitor, so really would be grateful if someone out there, could give me some advise..thanks x

stapeley

Firstly , they can not make you bankrupt . It is only a court and a JUDGE that can do that. There is a long court process well before that would happen . So please stay calm. You have a legal right to see all details of any alleged debt , that includes ALL MONTHLY statements . This could help for example , if the card was used in SAY Leeds , and you can prove you where in SPAIN ! Your first coarse of action should be to get this DCA TO BACK OFF. This can be done my writing to them to request a true signed copy of the Consumer Credit Agreement . If they took you to court, they would have to get it JUDGED enforceable , but you would need to defend the case . I very high number of people do not even attend court , the dca,s rely on this , and therefore do not have to prove that there is even a CCA covering the debt . Many people have found faced with this request the DCA back off somewhat . It puts you back in control .

this_is_not_funny

Thank you very much, I shall yet again write to these people.... I have every intention of attending court, and defending myself. What I cant work out, is why the debt is being passed to different agents, this theft of my card happened nearly six years ago. I only moved around the corner!!!..

fatbelly

You should also note that in the unlikely event of being issued with a statutory demand, they cannot petition for bankruptcy for a debt of less than £750.

In the unlikely event of a court claim, you have a valid defence.

I agree with Stapeley. Have you seen this factsheet?

fitzy42

hi all
i too received a letter from ruthbridge ltd claiming i owe £1211.32 from a credit card i had back in 1993!! of which i payed a few amounts and toatally forgot about as i moved had children etc and didnt hear from the credit card company and then thought was wiped off after 7 years as its now 16 years later would i still have to pay this back as these people are threatening me with baliffs, attatchment to my wages or an order aganist my propertty of which i dont own im a single parent and only work part time and cant afford this payment
would they still want payment and surley after all these years it wouls be wiped off my credit is clear and i have now got other cards of which i do pay off!! im getting very worried as the letter i received is also saying they want this payment in 7 days please help!!

mcjordi

fitzy42 wrote: »

hi all
i too received a letter from ruthbridge ltd claiming i owe £1211.32 from a credit card i had back in 1993!! of which i payed a few amounts and toatally forgot about as i moved had children etc and didnt hear from the credit card company and then thought was wiped off after 7 years as its now 16 years later would i still have to pay this back as these people are threatening me with baliffs, attatchment to my wages or an order aganist my propertty of which i dont own im a single parent and only work part time and cant afford this payment
would they still want payment and surley after all these years it wouls be wiped off my credit is clear and i have now got other cards of which i do pay off!! im getting very worried as the letter i received is also saying they want this payment in 7 days please help!!

you would be better of starting a new thread

fitzy42

hi im new to all of this and not sure how to start a new thread help!!!

mcjordi

go back to the debt free board.. and on the top of the board there will be a post/create new thread button

http://forums.moneysavingexpert.com/newthread.php?do=newthread&f=76

should work

FTW

MacKenzie Hall AND Ruthbridge??? It's bound to be totally unenforceable if those two cowboy firms have been passed it!