RMA Debt Collection Agency

inmypocketnottheirs wrote:

We are being harranged by Link for an old debt, and they have now passed it over to a shower called Robinson Way in Manchester, who are clearly of the same level of intelligence.

They won't get far with me!

All the best!!

Now Robinson Way are the biggest shower I have ever dealt with, Twice I have had the misfortune to have to deal with them. Both times there was no debt due, once was Powergen who had calculated my bill incorrectly, but would not take it to court so I could prove it (even though I had sent them all the info!!) and the 2nd time was to do with E-bay, I refused to pay all of my sellers fees as they had not prevented a fraudlent member making bids, that member cost me over £100 on an item, so I only paid half my fees. E-bay would not correspond on the matter, they just got Robinson way involved, again I just told them to take me to court as I had enough to prove my case. The staff the Robinsom way use are some of the rudest and ill trained people that I have dealt with, they just spout lie after lie. Good luck with dealing with this bunch of morons.

Personally I would only deal in writing but there are people who prefer to talk on the phone. Here is my advice. If they phone you then refuse to talk to them at that time and get a number to phone back.
You then phone them. You get ready with a pen and paper and write down what you want to say and anything else important that they say, especially anything you agree, AND KEEP IT. When your phone bill arrives make sure you KEEP A COPY (you will need to register your PAYG mobile if you want a call record). If you start gettng the old disappearing phone recording trick from them you can quote date and time of your call and ask them to provide a transcript of that call. If they can't you then refuse to talk to them anymore and only correspond in writing. You also report them to the OFT for destroying records. That isn't an offence as such but is one more black mark against the company and allows you to tell a court you have complained. If you do end up in court with them you can produce your records of all the phone calls you made and request full transcripts of all of them. If you have played fair with them, made regular phone calls are made offers to pay then they can only look bad.

As a last comment. I have never actually sorted anything out on the phone with anybody on the first attempt. If possible I go face to face, if not I use email then postal communication. My pain thresfold with er, well just about everybody really from Argos to the local council, is very low these days so I try everything three times. If I need to go back to something a fourth time then I go for the throat with threats of court, OFT, sueing them, whatever. Works wonders.
Regards



X

Tootsie_Roll wrote:

Well forgive me if I ignore everything that Skiannach/Harrassed writes as he has shown his true colours too often to me in the past.

However to pick up on your point and smcaul - I did advise to back everything up in writing so that you have the record and you can of course refer to your phone call in the letter. In addition the majority of dca's now have call recorders that tape every single call. The benefits of this to you are 1) You can complain about the call itself if you feel they have lied to you or been overly threatning and 2) There will be a record of your call for around two years should you need to refer back to it.

I accept you points but opne thing you are not taking into account here is an individuals memory. Stress and worriy can imapir the memory. Hence letters, deal only through the postal/email system then that way if you need to recall info you have it in writing, less confusion all round. Added to that allot of people in debt are afraid of talking to DC's but feel more able to write.
No offence intended, but you do have a biased opinion

davek1 wrote:

Thanks for the input guys. You wont believe this another call tonight and when i said i had written to them asking them to correspond in writing only. the woman said you dont want to resolve this then we can sort it out on the phone. I explained iw ould prefer that they deal with Payplan and correspond in writing which for some obscure reason sent her into a frenzy and she shouted at me saying then we will continue to add charges and slammed the phone down. Says it all i think !

Dave

Try not to let them get to you Dave, if you do, turn it into anger and remember the way they are dealing with this i'm sure the OFT would be more than a little interested in hearing about it, you can download a complaint form from their web site also trading standards may be interested too. You've sent the letter, you've done everything correct, you are NOT at fault :grouphug:

Just off 12 months ago this kind of attitude nearly caused me to have a nervous breakdown untill one day i actually realised they really can't do anything. Ok so they can take me to court, issue a ccj at worst put a charge on a property but they cannot take me away from me. The first threat i had of sending a debt to a dca was from Open + direct. I listened to all the horrible things said about credit ratings - so what? i dont ever want credit again - and how bad it was to send this debt on etc etc, i said to her I am not at all concerned about it being passed on, she stuttered for 5 mins, i changed my attitude at that point and once she realised she couldn't faze me she hung up on me, never phonned again, CCCS said well done i wish everyone did what you've just done. In fact O+D have only just passed it on to Wescot, had no problems with Wescot told them to deal with me by letter only. Unless your debt is a a high level debt and not a credit card/loan debt they really isnt much they can do.

davek1 wrote:

thanx Helen

Prob just sounding off abit but makes me feel better anyway. thanx to all for your support


Dave

You're welcome you got to my post before i'd finished editing it lol