Thanks mate. Have read elsewhere on here that it is best to tell them that I am no longer in the country and provide a PO Box address in my current Country for them to send there threatening lettered to. Apparently once they have been officially told of lack of UK residency there are unable to CCJ against a UK address. Would like to know if anyone can verify this and confirm that this is a sensible course of action Will now read your threads!- cheers

Hi, Was wondering if any has had any experience with Ruthbridge or any other bottom feeding dca actually taking anyone to court? Are they all mouth and trousers or do they ever fulfil their threats? I have 4 year old debt now in their hands.

Hi, I've been living overseas for almost 5 years and have defaulted on UK several loans\credit cards close to 4 years ago. I have just paid for a search which has come up clear of any CCJ. My question is if a CCJ was to be filed for would it not have already been done so by now. One of my debts has been sold on at least 3 times already but thankfully no CCJ. Also does the 6 year period before the debt can be statute barred start from issue of a CCJ or the date of initial default? Thank you

Thank you for your helpful reply. One question about the letter of disassociation is that should this be signed at all with a yours Sincerely Mr...........l, or should it terminate just as you have shown below. Thanks again Ref: your name. Sir/Madam Formal Notice of Disassociation: TAKE NOTE Mr xxxxxxxxx xxxxxxx is NOT NOW NOR EVER HAS BEEN RESIDENT AT (give address) Ruthbridge Ltd WILL now cease sending mail addressed to Mr xxxxx xxxx to this address and MUST desist from doing so in the future. Failure to comply will results in complaints to the OFT and the FCA regarding the conduct of the company in this matter, furthermore id any further mail is sent to this address this may amount to harassment and suitable action will be taken. They should send this by recorded delivery and check the date it is received.

I am looking for any advice regarding my debt issues. I left the UK almost 5 years ago to Live in Aus. On leaving I paid back all debts except a bank loan which I continued to repay for nearly 18 months. Due to financial stress I had no option but to use UK credit cards to pay for food, fees etc. I still managed to make repayments for these for about 18 months. In short I owe approx. 20k GB before any interest is added. I have never until last week received any correspondence regarding the non payment of this debt here in Aus. I was aware that a letter or 2 had been sent to my in laws house addressed chasing the money. These were returned to sender stating that I did not and have never lived at that address. Things have taken a real turn for the worse. My Mother in law died recently. Letters are still being sent to her most recently by Ruthbridge, now threatening court action, bailiffs etc. I have read how Ruthbridge use these scare tactics to illicit a response from the debtor. However the mail is now being opened by Brother in laws etc who in the midst of compiling accounts for probate are now scared that this will effect the execution of the will and think that the Bailiffs will be entitled to seize goods in my mother in laws house and even make claim the house itself. I wish to do the right thing by my family - all of which knew previously of our debt but had never been personally involved until now. What do I do? Selfishly I cant afford to or want to repay the debt. If there is no option to then I will. But being in a different country I am stuck as to what the best course of action should be for my immediate family on Aus and my extended family in UK. Any advise would be most helpful