Hi everyone,
i have received a letter from ruthbridge yesterday asking me to contact them,
so i contacted them not thinking much of it,
it turns out they are asking for payment for a 6,000 loan from when i was young and stupid!
which i made my last payment may 2007
but i have not made a payment since as i was not in a good place to at this point and nobody has contacted me until yesterday.
apart from this i have no debts and was agreed a good morgage back in march of this year which i thought was the start of a whole new life.
please can someone advise me of the best thing to do next?
i have also check my credit report, experian show that my report was good 900+ with this debt not showing then i looked at checkmyfile which show it and the report was not as good.