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Ruthbridge Debt Collectors – Do You Have to Pay?

Ruthbridge Ltd Debt Collectors

For free and impartial money advice and guidance, visit MoneyHelper, to help you make the most of your money.

Ruthbridge Debt

If Ruthbridge Debt Collectors are contacting you about your debt and threatening action against you, you may be wondering where to turn. This article will give you some information on what to do if the debt collection agency is attempting to contact you, and how to handle any contact with them.

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

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Beating Debt Collectors

There are several ways to deal with Ruthbridge debt collectors and improve your finances.

Choosing the right way to tackle your debt could save you time and money, but the wrong one could cause even more harm.

It’s always best to find out about all your options from a professional before you take action.

Fill out the 5 step form to get started.

Ruthbridge Debt Collectors Debt Collectors

Do you know Ruthbridge Debt Collectors?

Ruthbridge specialises in collecting data on behalf of its clients. The company was established in 1994 and is one of the leading data recovery agencies in the UK. They collect debt for companies, including MBNA, Bank of Ireland, Lloyds and TSB.

Why do Ruthbridge Debt Collectors Debt Collectors keep contacting you?

Have you received a letter from this debt collector? I’ll buy it off you for £5

If you have run up some debt, you will usually be contacted by a debt collection agency, rather than the company itself, which can cause a bit of confusion. If Ruthbridge Debt Collectors are contacting you, it’s probably down to outstanding debt, that you may have completely forgotten about or may not even be aware of.

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As independent debt collectors purchase the debt from other organisations, they don’t start making a profit until they get some payment from debtors. This is why they are always so keen to get hold of you, and they may even consistently call or send out letters to try and get a reaction from you. It is not unusual for debt collection agencies to use a range of tactics to try and get hold of the money you owe, but it may not be legitimate for them to do so.

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how to debt

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Is the debt yours?

If you are being contacted by Ruthbridge Debt Collectors, the first step is to get a hold of written confirmation on the debt, and proof of where it originated, as well as the total value of the debt. It may seem higher than you remember, as there could be interest added on that you are not aware of.

The debt collectors should be able to provide you with confirmation and if they can’t do this, you are not obliged to pay this debt.

Find out how to get a refund if you are eligible for this.

Are you able to pay the debt back?

If you receive written confirmation of the debt you owe from Ruthbridge Debt Collectors, you must take steps to pay it back. If you can’t afford to pay the full amount, you may be able to arrange a payment plan or give them a partial payment to clear off the debt. Do not ignore the debt collection company though, as they are unlikely to just disappear and it can cause extra stress if you are getting contacted often about your debt.

What do debt collectors do?

Debt collectors will usually go to different lengths to try and get ahold of you. They may contact you by email, telephone or letter, and the frequency might be to a level where you feel like you are being harassed. In this case, you must write to them and request that they only contact you via the method which suits you best.

Debt collectors should be able to have some kind of understanding of your situation and be able to deal with you in an empathetic manner. They should not make the situation even more distressing for you.

Learn how to fight back!

Ruthbridge Debt Collectors Debt Collectors and what the law says

There were guidelines published by The Office for Fair Trading (OFT, 2012) around the regulations for debt collection agencies, and these included the responsibility of debtors to be treated fairly, and honestly, without judgement. They should also be clear with the information they provide and not misleading in any way. Debt collection companies should also be empathetic towards debtors and their circumstances. They should be reasonable in their actions towards debtors.

If you are dealing with Ruthbridge Debt Collectors and they are failing to follow the guidelines, you may want to consider reporting them to the OFT, who could remove their license.

If you would like to make a complaint about Ruthbridge Debt Collectors, you can use this online complaint form.

Make sure the debt collection company are who they say they are – and that they are following the appropriate regulations.

How to cooperate with Ruthbridge Debt Collectors

At the end of the day, Ruthbridge Debt Collectors are running a business, and are looking to make money. Unfortunately, debt chasing is often not dealt with in the best manner. It is a good idea to cooperate with the debt management company, as long as they are also following the appropriate guidelines. These are some ways to do this.

Make contact

It can be easy to just ignore contact from Ruthbridge Debt Collectors but this won’t make the problem go away. In fact, the more you ignore them, the worse the situation will get as it may affect your credit rating if you owe debt. You will also end up suffering from more stress and anxiety with incessant contact. Even if you can’t make payment straight away, you should speak to them about your situation.

Arrange payment

If you can only make small payments, it is better than paying nothing. Most debt collectors will accept any payment, but they may ask for proof of your income and expenditure. It is much better to pay it all off if you can but if not, set up a repayment plan.

If Ruthbridge Debt Collectors are not willing to accept the situation or they are threatening to visit your home or other distressing behaviour, you can report them to the Financial Ombudsman.

You can contact the Financial Ombudsman on 0800 023 4567 or 0300 123 9123

How to work out a payment plan

The best way to work out a reasonable payment plan is to analyse your income and expenditure. The most important bills should be paid first, such as your rent/mortgage and energy bills, as well as your budget for food. If you need money for travel, you should keep that aside and you can pay back whatever is leftover.

If you can’t pay

Of course, it may be the case that you can’t afford to pay the debt back, and in this case, you should come to another arrangement. For example, deferring the payment until you get paid or you may want to enter into an Individual Voluntary Arrangement, where you can write off some of your debt, although you may not be able to access credit for five years after this.

Threatening behaviour

It is entirely possible that the debt management company will refuse to agree with the arrangement, particularly if you are having to defer the payment. However, this does mean the debt company can threaten you. If they say they will enter your premises and take your possessions, you can report them to the police.

Dealing with stress

Having debt problems is difficult enough but even more so when debt management companies are chasing you for payments. Stress management is key in these situations, and taking control of the situation is paramount. Stress can have devastating consequences, and it is imperative that you face your debt problems head-on.

Can you get any support with your debt

There are many free organisations who can help with your debt, as well as debt management companies. You should speak to the free organisations first, before going to those who will charge you for using their services.

  • Citizens Advice Bureau (CAB) this is one of the most popular organisations for debt management services. They offer a free service with expert support and advice.
  • Christians Against Poverty (CAP) you can expect free debt advice and support.
  • StepChange provides free online debt advice to ensure you learn to manage your debt issues.

Getting rid of your debt

An Individual Voluntary Arrangement (IVA) is available for those who wish to get rid of their debt but can’t afford to pay it all back. With the IVA, you can arrange either to pay a sum of the balance, with the rest written off.

You can find a local licenced IVA insolvency practitioner here.

Another option is the Debt Relief Order (DRO). If you have only £75, or even less left after your essential payments, you may be entitled to apply for this.

This is a useful list of authorised debt advisors.

Next steps

Work out what you can afford to pay back and speak to Ruthbridge Debt Collection Agency about entering into a payment plan or pay the debt off completely if you can afford to do so.

Ruthbridge Debt Collection Agency Contact Details:

Company Name: Ruthbridge Ltd

Other Names: Ruthbridge Debt Collectors

Ashley House
86 – 94 High Street

Contact Number: 020 8570 3131


Email: [email protected]

Numbers they call from:



CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers


Are you struggling with debt?
Are you struggling with debt?
  • Affordable repayments
  • Reduce pressure from people you owe money to
  • Stop interest and charges from soaring