We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Cahoot Loan - Debt Collection
EireSarah16
Posts: 1 Newbie
in Loans
Hi All,
I was wondering if anyone can help me? I received a letter today from Ruthbridge, a debt collection agency telling me I owe £1600+ on a loan with Cahoot.
I have never had a loan with Cahoot in my life.
Is this just a scam? Should I contact them of just ignore this letter?
Thanks in advance.
Sarah
I was wondering if anyone can help me? I received a letter today from Ruthbridge, a debt collection agency telling me I owe £1600+ on a loan with Cahoot.
I have never had a loan with Cahoot in my life.
Is this just a scam? Should I contact them of just ignore this letter?
Thanks in advance.
Sarah
0
Comments
-
It's very unlikely to be a scam. They are probably searching for someone with a similar name to you.
Check your credit files to see if anything appears there.0 -
If it were me, I would send them a prove it letter, categorically stating that you have never had a loan with Cahoot.
And welcome to the forum
I work within the voluntary sector, supporting vulnerable people to rebuild their lives.
I love my job
0 -
Check your credit file to see if anything has been taken out fraudulently in your name? Clearscore, Noddle, Experian and MSE Credit club all offer a service for free.“It is not the man who has too little, but the man who craves more, that is poor.”0
-
Ruthbridge are a large Debt recovery and tracing agency, it will not be a scam.
Either, you are the victim of identity fraud, your name has been mis-traced, for example it could be someone with a similar name and/or address as you, or its an old account you have forgotten about.
Further speculation will not give you a definitive answer, so you should send the provit letter as advised, which can be found here :
https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letterI’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards