Help with RuthBridge Ltd

thatchamlad

Morning all

So today we received the paperwork from Ruthbridge. They sent out the credit agreement which looks ok and a payment history.

The last payment was in June 2004 (made by my partners sister) after a DC turned up at the door. My partners last payment made was Dec 2003.

So in theory she is up the creek without a paddle thanks to her sister paying in June 2004.

Can she ignore them until June 2010 at which time it will be 6 years since last payment or will they be able to make her bankrupt before then?

She has no assets i.e house ,car etc.

Whats your advice good people of MSE?

Denis_UK

Surely by discussing your GF debt and accepting payment from her sister they are in breach of the Data Protection Act.

thatchamlad

Don't know TBH but as far as i am aware the payment was collected at the door so being able to prove who actually made the payment would be impossible in my honest opinion.

thatchamlad

Any ideas anyone?

RAS

thatchamlad wrote: »

Morning all

So today we received the paperwork from Ruthbridge. They sent out the credit agreement which looks ok and a payment history.

The last payment was in June 2004 (made by my partners sister) after a DC turned up at the door. My partners last payment made was Dec 2003.

So in theory she is up the creek without a paddle thanks to her sister paying in June 2004.?

Not sure on the legal situation regarding the payment by her sister, what a b**ggir.

Are you absolutely sure the CCA is OK?

thatchamlad wrote: »

Can she ignore them until June 2010 at which time it will be 6 years since last payment or will they be able to make her bankrupt before then?

She has no assets i.e house ,car etc.

Whats your advice good people of MSE?

Ok if she has not assets,there is little point in Ruthless paying £1500 for the joy of finding out that they can get nothing from her.

Do you have the default letter in the package?

If so, scan that and get ready to post it up for 10past6. he is away this weekend so come back on Monday.

thatchamlad

No there is no default letter in the paperwork.

The cca looks fine, has all the terms and is signed etc

She has absolutely no assets

RAS

Ok, you do not want to get in a situation in which she accidently acknowledges the debt at this stage, but Ruthless will have done a check to see if she has any assets and I very much doubt if they have any real intention of making her bankrupt. They might try an SD in an attempt to panic her into making some sort of payment within the 6 year deadline.

You need to get a SAR done to find that default letter. If that is faulty she can halt any legal action. Chances are it will be. Got to go.

thatchamlad

RAS wrote: »

Ok, you do not want to get in a situation in which she accidently acknowledges the debt at this stage, but Ruthless will have done a check to see if she has any assets and I very much doubt if they have any real intention of making her bankrupt. They might try an SD in an attempt to panic her into making some sort of payment within the 6 year deadline.

You need to get a SAR done to find that default letter. If that is faulty she can halt any legal action. Chances are it will be. Got to go.

So the SAR letter on the template page is the best course of action now?

DarkConvict

I would argue the fact that it was not the account holder that made the payment, as it doesn't stop a DCA going to the wrong house, or even making a payment on the account themselves.

thatchamlad

RAS wrote: »

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Are you absolutely sure the CCA is OK?

.

Can someone check the attached CCA and tell me if it is enforcable?

Many thanks

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