How to Stop Unfair Practices from Ruthbridge Debt Collectors

Ruthbridge Ltd boasts the position of one of the UK's leading debt recovery agencies. They claim to work with the debtor and the client, but do they consistently uphold the law regarding consumer rights? DoNotPay can help handle concerns and questions when dealing with Ruthbridge debt collectors.

Established in 1994, Ruthbridge pledges to protect individual rights while working for its clients. Their mediation-type approach may seem relatively fair, but it still behooves the consumer to understand the legislation protecting their rights.

Is Ruthbridge Debt Collectors a Scam?

Ruthbridge does represent a viable Financial Services company headquartered in Twickenham. The privately-owned company requires its employees to undergo training for CSA accreditation.

Here are pertinent information about the company:

What You Need to Know About Making Payments to Ruthbridge Debt Collectors

Ruthbridge debt collectors purport they will work with those struggling with debt if they adhere to a payment schedule. The planning includes the person trying to pay off debt and completing a budget plan that both parties consider fair and reasonable.

Budgeting may make sense, but unforeseen circumstances such as illness, job loss, and other emergencies wreak havoc on budgets. Ruthbridge Debt Collectors offer the following ways to make payments:

• You can pay online through Sage Pay.
• You may pay by phone by calling 020 8814 2299 during the hours of Monday – Friday from 9:00 am to 5:30 pm.
• You may send a cheque payable to Ruthbridge Limited and send it by post to:

Ruthbridge Limited

Ashley House

86-94 High Street

Hounslow, TW3 1NH

You should also write your name, address, and reference number on the back of the cheque.

• You may also pay by Direct Debit by completing a Direct Debit Mandate form.
• You may pay by credit card, but that may result in interest charges that will add to your debt.

Why Am I Getting Calls From Ruthbridge Debt Collectors?

If Ruthbridge Debt Collectors or any debt collection company starts to call you, the calls will most likely fall under one of these three reasons:

1. To ask you to validate your debt
2. To ask for immediate payment or work with you on setting up a payment plan
3. To use intimidation tactics to get you to make payment

The phone numbers that Ruthbridge Debt Collectors typically call from including the following:

• 02089174300
• 02087343599
• 02088925200
• 07507319601

Know Your Rights if You're Unable to Make Payments to Ruthbridge

If Ruthbridge debt collectors call you regarding a debt you owe, you should immediately review the amount and determine if it matches the amount you owed from the original source. Ruthbridge should confirm that they acquired the loan from the original company. Once you've confirmed that you owe the debt, you should try to work with Ruthbridge Debt Collections to develop a reasonable payment plan.

Understand that debt collectors are not allowed to harass, threaten, or take advantage of you. Here are your rights as established by the Financial Conduct Authority:

1. The payment plan set up must make sense for your current financial situation.
2. Lenders may not charge more than the maximum of .8% daily interest for personal loans.
3. The original lender must for these rules before turning your loan over to a collection company:

• The original lender must communicate with the client that their account is going into collections.
• Once an account reaches the pending status for collections, the original lender only accepts full payments.
• The original lender may make only two payments before turning it over to collections.

How to Deal With Issues Regarding Ruthbridge Debt Collectors on Your Own

If you find your past-due account turned over to Ruthbridge Debt Collectors, you do not want to ignore it. It usually works in your favor to maintain a clear line of communication. Additionally, it's essential to know your rights and options to avoid your Ruthbridge or another collection company taking over your account. Consider the following options once you fall behind with payments:

1. Contact the Financial Conduct Authority (FCA) regarding an alternative dispute resolution (ADR) scheme. The FCA will check for violations committed by the original lender.
2. Contact the Financial Ombudsman Service with written and oral communications documentation between you and your lender. You will want to contact the Ombudsman if any of the following apply:

• You don't owe the debt.
• The amount of debt is incorrect.
• You've received intimidating calls from the business.
• The debt doesn't qualify as enforceable debt.

3. Consider filing a claim in Small Claims Court to claim overpaid interest and fees.

4. You may visit this website for more ideas on debt relief.

Let DoNotPay Help You With Disputes Regarding Ruthbridge Debt Collectors

Dealing with past-due debt represents a time-consuming challenge at best. You need to add the stress of frequent and threatening phone calls to the situation. If you start receiving these types of calls or have received them for some time, contact DoNotPay to address the problem.

DoNotPay's product guides you through a simple series of questions to determine if the company in question warrants legal action for violating debt collection laws. DoNotPay will then act on your behalf.

Just follow these steps:

1. Search "debt collection" on DoNotPay.

2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to a professional trade association.

Once you've determined the course of action you wish to take, DoNotPay handles the rest through first-class mail or files it with the appropriate agency or Ombudsman.

Let DoNotPay Help with Other Collection Companies:

DoNotPay helps clients control debt problems with many companies, including:

• Moorcroft Debt Recovery
• DWP Debt Management
• Advantis Debt Collection
• Marston Group Holdings
• Lowell Financial
• Amigo Loans
• Provident Loans

What Else Will DoNotPay Do for Me?

DoNotPay uses artificial intelligence to assist with everyday problems and complicated legal issues. As the world's first robotic service, DoNotPay offers numerous products to save you time, money, and stress. Below you'll find a few examples below to see how DoNotPay might help you:

• File a complaint constructively
• Cancel any subscription
• Pay your bills online
• Increase a credit limit

Visit us for more information on the products and mission behind DoNotPay.