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Ruthbridge, Cahot
Hi there,
Hope I'm doing this right - I'm a 'new girl' to the site. Was wondering if anyone could help with my problem, I'll try and keep it as short as poss although unfortunately it's a bit complicated.
By way of background: in 1997/98 I took on a mortgatge and lived at 26 Taylor Close. In 2002 I moved out of the property with my 3mth old son and moved back into my parent's home just down the road (Sevenoaks Rd). I still own & pay the mortgage on Taylor Close and since 2004 it has been let out.
Monday 17 August - Tried ringing C.A.B. (x2) – couldn’t get through. When tried again – answer-phone msg, closed for day.
My biggest concern is if someone turns up at my mum's address as this would really stress her out (especially as my dad passed away a couple of years (unexpectedly) and these people are extremely pushy, rude and threatening.
My next concern is that they have sent a copy Reply Card with my signature on, I'm concerned because I know I didn't apply for a credit credit but suspect by ex could have done this and quite frankly I'd rather pay the debt then have any contact with him (due to domestic violence, family court proceedings etc).
The other concern is they obviously do not both listening or reading any correspondence as they continue to telephone and have now started writing to me at my mum's, so I'm assuming he must have checked the electrol role.
Hope I'm doing this right - I'm a 'new girl' to the site. Was wondering if anyone could help with my problem, I'll try and keep it as short as poss although unfortunately it's a bit complicated.
By way of background: in 1997/98 I took on a mortgatge and lived at 26 Taylor Close. In 2002 I moved out of the property with my 3mth old son and moved back into my parent's home just down the road (Sevenoaks Rd). I still own & pay the mortgage on Taylor Close and since 2004 it has been let out.
Monday 8 June - Mum rang tel no. on ‘The Occupier’ letter sent to Taylor Cl (tenant's left lost of debt etc.). (v. rude). I telephoned back that afternoon. Asked for name and d.o.b. for security purposes – which I gave!! Woman v. rude & unhelpful. Could give no indication of what the debt was regarding ‘client didn’t supply that information’! Told to put anything in writing.
Wednesday 10 June - Letter from Ruthbridge now addressed to me.
Monday 15 June - Letter from me sent to Ruthbridge (1st class) (apparently this was not received!)
Tuesday 16 June - Letter from Ruthbridge marked ‘Without Prejudice’. Giving notice they had been advised to commence bankruptcy proceedings (may include costs & interest). £1621.26 – is a principle sum. Prepared to accept lump sum payment of £972.76 if received no later than 30 June. This would be Full & Final Settlement against liability and ensure that I’m not pursued for remainder. As added incentive – once sum rec’d their client will instruct credit reference agencies to make debt as ‘satisfied’
Monday 29 June - Mr Blair of Ruthbridge rang (mum’s home no.). I returned call x4 – left msg mum’s no. was not my telephone no. and was never given as a contact no. neither was it to be used in future.
Monday 29 June - Letter from me to Ruthbridge. Request contact in writing only to Taylor Close.
Tuesday 30 June - X 2 letters received from Ruthbridge. 1st – instructed to cover debt. ‘Imperative’ I contact them to arrange for local agent to call.
2nd – headed ‘Debt Counselling Dept’ – Yr a/c has been referred to our Debt Counselling Service! Service funded by Ruthbridge and provided free of charge. If ignored will have to refer to Debt Enforcement.
Wednesday 1 July - Mr Blair of Ruthbridge rang mum’s no. again. Spoke with Neil. I returned call. Mr Blair v. sarcastic. Talks extremely quickly. Apparently did not receive my letter of Monday 15th June. Confirmed would resend.
Friday 3 July - Resent a copy of my letter dated 15th June recorded delivery to Ruthbridge
Monday 5 July - Brian Blair, Ruthbridge rang work (a.m.) left message with work colleague.
Tuesday 7 July - Telephoned C.A.B. Advised to write stating did not acknowledge debt and not to speak with them via telephone.
Wednesday 8 July - Mr Blair of Ruthbridge telephoned mum’s no. again. Must have gone to Taylor Close as told mum was not there and got Buchan and Burns mixed up. Quickly mentioned, land registry updates.
Thursday 9 July - Letter from me to Ruthbridge (sent recorded delivery). Advised contacted C.A.B. Did not acknowledge debt. As requested previously both in writing and verbally contact by them to be in writing only to Taylor Close – if they continued to ring no. which was not mine nor ever given to them as well as fact did not work normal 9 to 5 shift pattern I would view this has harassment and pursue with OFT & Trading Standards (On Mondays I work 11am to 6pm and Wed, Thurs & Fridays work 5pm to midnight.)
Thursday 23 July - Mr Blair of Ruthbridge rang work who advised I was on holiday. He left message for my return.
Thursday 23 July - Mr Blair of Ruthbridge rang mum’s no. again v. early in morning. (I was in Scotland).
She refused to speak with him.
Thursday 23 July - Letter from Ruthbridge demanding payment by 31 July and enclosing copy ‘Reply Card’!
Wednesday 5 August - Mr Blair of Ruthbridge, rang mum’s no. (x2) and rang my work no.( x1)
[Tuesday 11 August – check date] - Mr Blair, Ruthbridge left msg on mum’s no. He had called work and now knows I don’t start until 5p.m.!
Wednesday 12 August - Mr Blair of Ruthbridge rang work between 10 to 14 times in the space of 1hr. Extremely rude to work colleagues. Would not give name only ref and tel no. Told me I had said about owning x2 properties!!! Keeps saying he has calls recorded etc. Told me what time I started (17.00-actually shift change due to holidays). Accused work colleagues of lying. Said Terri ‘pretended’ to take details. Gave impression to reception – work related.
Asked to speak to Dawn, supervisor, asked how many people work in dept. – I queried if this was work related – he would not answer but got very angry. Said reception said I was in building (checked – they had not). Repeatedly asked him to please listen and if he did not let me speak would have no option but to hang-up – which I did.
He did ring back, Denise on reception advised would not put call through – he kept trying to coerce her by saying ‘ let me get this straight, Miss Buchan has instructed you as a 3rd party not to put my call through’. Denise would only reply ‘No’ she herself was not putting call through. He rang so many times that blocked switchboard and had clients in and deal being closed.
Friday 14 August - Letter from Ruthbridge dated 10th August, postmarked 12th August received Friday 14th August addressed to me at 49 Sevenoaks Road saying I must ring or a representative will just turn up (at my mum's address!)
Friday 14 August - Went to C.A.B. offices – Closed early due to staff shortages!
My biggest concern is if someone turns up at my mum's address as this would really stress her out (especially as my dad passed away a couple of years (unexpectedly) and these people are extremely pushy, rude and threatening.
My next concern is that they have sent a copy Reply Card with my signature on, I'm concerned because I know I didn't apply for a credit credit but suspect by ex could have done this and quite frankly I'd rather pay the debt then have any contact with him (due to domestic violence, family court proceedings etc).
The other concern is they obviously do not both listening or reading any correspondence as they continue to telephone and have now started writing to me at my mum's, so I'm assuming he must have checked the electrol role.
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