Ruthbridge debt collection agency - unsubstantiated debt recovery?


C

Clive.lister

Has anyone else been having this company write to them to try and recover none existent debts of 15 years ago?
I notice on some forums that this company has a terrible reputation for harassment of people who have no debt, but usually have had bad debt experience in the past.
 
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T

tim.....

Has anyone else been having this company write to them to try and recover
none existent debts of 15 years ago?
It's irrelevant whether a debt of that age exists or not, it's statute
barred

I notice on some forums that this company has a terrible reputation for
harassment of people who have no debt, but usually have had bad debt
experience in the past.
so they should complain to TS

tim
 
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C

Cliff Frisby

Has anyone else been having this company write to them to try and recover
none existent debts of 15 years ago? I notice on some forums that this
company has a terrible reputation for harassment of people who have no
debt, but usually have had bad debt experience in the past.
Not Ruthbridge, but I had something out of the blue from another debt
collector based in Glasgow, claiming I owed a particular three-figure (less
than £200) sum to a Channel Islands-based company which I had never heard
of, but which apparently buys debts, and inviting me to pay it to
themselves (the Glasgow company) or else face a 'home visit'. Notably
absent were any details whatsoever of the origins of the alleged debt or
how long it had been outstanding, beyond the phrase 'for some time'.

The letter seems authentic (not sure it would be true to say 'genuine')
insofar as the website for making the payment at seemed to check out as
being run by the debt collector, so it's they that would have got the money
had I paid it.

It's hard not to believe that the alleged debt is not a complete
fabrication, given that they could easily have provided some more details
of any genuine debt. If they were to send out such sufficent fabrications
then I suppose there are some targets who would just pay up for a quiet
life, particularly if they'd lost track of their debt position.

Rather than OFT or Trading Standards (I don't have a trading relationship
with them of any kind, after all) surely the correct thing to do would be
to write back and insist they provide a justification for the demand within
14 days or I will be presume it to be an attempted fraud and pass it over
to the police.

However, a friend has said he believes that registered debt collectors have
a special status which prevents them being prosecuted for fraud offences.

Does anyone here know of such an exemption?
 

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