Help with RuthBridge Ltd

thatchamlad

My g-f is sure the debt was actually taken out in 2002 and she made no further payments after 2003.

She is stressed out her head after the way she was spoken to so cant be sure. The only thing that makes me think that she is right is that it was on her credit file for years and disappeared off it last year. There is nothing regarding the debt on her most recent credit file which she got from the 3 credit ref agencies in Jan 2010.?

Would it disappear if the 6 years had not passed?

dan77_2

Just as a matter of interest the OP says the debt was wiped off his GF's credit report last year. Does this automatically make the debt statute barred? Im a bit confused by this one!

DarkConvict

If she has a strong believe it is SB, then send the SB letter. It is upto the DCA to them prove otherwise, and yes they sometimes do lie and say a payment was made even if it wasn't. If they do, Then you need to check if a payment was made, if not they are attempting to claim money by fraud and then you can refer them to OFT for it.

If it is SB, then sending the letter is all you need to do, they cant enforce it or chase it. They should acknowledge it is SB and go away.

fermi

thatchamlad wrote: »

My g-f is sure the debt was actually taken out in 2002 and she made no further payments after 2003.

Then IF and WHEN theses idiots write to her, reply with the "statue barred" letter.

That specifically puts the duty on THEM to PROVE that the debt is not statute barred.

The fact that the debt is no longer on the credit reference files isn't 100% conclusive, but suggests that it is likely it is SB'd.

fermi

dan77 wrote: »

Just as a matter of interest the OP says the debt was wiped off his GF's credit report last year. Does this automatically make the debt statute barred? Im a bit confused by this one!

Not automatically. Sometimes records disappear from the files when DCAs sell on a debt. They are meant to change the record into the name of the new DCA, but they sometimes mess it up and the whole things disappears for a bit.

The more likely explanation however is the SB one.

thatchamlad

Thank you so much for all your replies and advice.

I have typed up the CCA request letter which will be sent off recorded delivery on Monday morning. I have also advised my partner that if they call again she should refuse to answer and questions and tell them to stop calling her on her work mobile.

I will also be sending a letter requesting all communication be done by post and not telephone. Having spent a good few hours today researching this company i am sure they are chasing a SB debt and use aggressive tactics in place of correct documentation etc to scare people into paying.

I have a good mind to report them for their behaviour so far. I am certain they will continue to call but they will be met with a wall of silence!!!!

Thanks again everyone, it's good to know that there are people out there who can help when these idiots put the fear of god into someone!

fermi

thatchamlad wrote: »

I have typed up the CCA request letter which will be sent off recorded delivery on Monday morning.

Might be better to send the statute barred one first.

If it is SB, then it will kill it dead. No need to mess about with CCAs.

In the unlikely case that they can prove it isn't statute barred, then maybe see whether they have an enforceable agreement?

Ames

I'd send the statute barred debt first, it could be that that's all that's needed and you'll have saved yourself £1.

Ooops, cross posted with the expert!

thatchamlad

Good point guys, i will indeed send the CB letter first.
:T

fermi

On a side note, if the DCA knows that a debt they have is unenforceable, then they tend to start off being as agressive as they possibly can.

The idea of that is to scare you into paying up before it occurs to you to check whether you really need to.

Seems like that may be true here................