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RMA Debt Collection Agency
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Just another point about dealing on the phone guys. i thought i'd do the right thing and spent an hour contacting all my creditors updating them on the situation and how arrangements are going with Payplan.
I contacted a company called NCO collections and spoke to a guy who seemed not to grasp what i was saying ( partly due to his lack of command over the english language, possibly partly due to my anxiousness to get the call over with) amyway the crux of the matter is that i had previously contacted them last week to explain the position with Payplan and there was no record on the computer at all. i think this really highlights the importance of corresponding in writing.
Dave0 -
Hi
I don't know how everyone else gets on with this problem, but my tactic has always been to STOP the conversation immediately by telling the debt collector that I have NO DEBT WITH THEM and that I only deal directly with the principle. You can imagine their next four or five responses which are ALL met with a repeat of the same wording from me. I close by saying that they can do what they like ( usually just after a threat of some kind from them) and that I will be contacting the principal involved with whom I have the agreement. I particularly love doing this to the ones who won't listen, but you must remain POLITE but FIRM as I think I have said elsewhere.
The next thing you MUST do is make DIRECT CONTACT with the lender and speak to them about how you will approach the problem directly with them. If THEY insist that you deal with the debt collector, remain POLITE but FIRM and tell them you have already had a chat with them which did not go very well and you feel you could get things sorted out if you deal directly with them. Always worth a try and it keeps the problem one step further back from legal action to buy you just a klittle more time. All this assumes that you are genuinely trying to fix the problem in the first place and does not work with scammers and fraudsters who usually end up in court anyway. Hope this helps in some small way. Cheers. Bob.0 -
Harassed wrote:And you've been banned from how many debt help forums, t_roll? Most recently kicked off the Debt Help forum for the second time today? That should give the readers some idea about your credentials.
I'm afraid the advice of a debt collector who is employed merely to disrupt and post misinformation on debt help sites isn't worth a lot. Note, he only posts in office hours. Should tell you something.
.. and which you will have NO ACCESS to. Even if you serve the debt collector with a SARN (Subject Access Rights Notice) under the Data Protection Act.
Keep it in writing and in writing only.
What are you talking about ? Another fantasy from you - how in touch with reality are you ?
I have already admitted I was banned from that site and why, but that was months ago - why are you reserructing it again ? I have openly stated my position, I am not hiding what I do. You on the other hand have refused every opportunity to state your true intentions but have been very silent - who should the people on here trust really ?0 -
robertbruce wrote:Hi
I don't know how everyone else gets on with this problem, but my tactic has always been to STOP the conversation immediately by telling the debt collector that I have NO DEBT WITH THEM and that I only deal directly with the principle. You can imagine their next four or five responses which are ALL met with a repeat of the same wording from me. I close by saying that they can do what they like ( usually just after a threat of some kind from them) and that I will be contacting the principal involved with whom I have the agreement. I particularly love doing this to the ones who won't listen, but you must remain POLITE but FIRM as I think I have said elsewhere.
The next thing you MUST do is make DIRECT CONTACT with the lender and speak to them about how you will approach the problem directly with them. If THEY insist that you deal with the debt collector, remain POLITE but FIRM and tell them you have already had a chat with them which did not go very well and you feel you could get things sorted out if you deal directly with them. Always worth a try and it keeps the problem one step further back from legal action to buy you just a klittle more time. All this assumes that you are genuinely trying to fix the problem in the first place and does not work with scammers and fraudsters who usually end up in court anyway. Hope this helps in some small way. Cheers. Bob.
So your going to lie in your dealings with the lender and the dca - not how I would do business. In addition it is little more than posturing as it achieves nothing for you in the end - you still have to deal with the problem regardless.0 -
Tootsie_Roll wrote:So your going to lie in your dealings with the lender and the dca - not how I would do business. In addition it is little more than posturing as it achieves nothing for you in the end - you still have to deal with the problem regardless.
Well there is a right way and a wrong way to do lots of things - your way is not right imho, when the DC's can be proved to be whiter then white then is the time to chat to them on the the phone - until that time (probably at a similar time to hell freezing over) I will and would adivse any one else to deal with them by letter. All the ones I have dealt with verge on illegal activity, threaten you and tell lies - now why should I, or anyone else trust them?0 -
Turning_into_scrooge wrote: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
Yep I can see your point and I understand that some people will feel less able to speak over the phone. I think a point that a lot of people have missed is that I do advocate confirming everything in writing so I am certainly not saying don't write - just call first (if you are comfortable with this).
As for my biased opinion - true to a point. If I see transgressions of the law then I agree that the lender or dca should receive some form of punishment. What I try to achieve is advice on how to deal with lenders/dca's based upon my experience and what will work best to achieve a satisfactory result for both parties. As we know the problem wont go away if we try to avoid it or delay the inevitable. It's for this reason that I don't agree with some of the tactics that some people recommend on here and I don't think the advice is always in the posters best interests as I can see what is coming afterwards !0 -
I am another victim of RMA's very very unprofessional conduct! I myself have had a unoperational barclaycard account given to them to chase up payment. I have, however signed a debt repayment plan with Spectrum, who are dealing with my finances & making repayments to all my debtors.
I had a call from RMA today, from a bloke who sounded quite a bit younger than me. When I explained to him that Spectrum are dealing with this, not myself, he proceeded to tell me that Spectrum are a crap company (the 1st things that came to my mind were... Pot & Kettle!), and RMA won't deal with them. He then proceeded to go through every detail that I already knew about my cancelled barclaycard account.
I was actually on my lunch break when I got the call on my mobile, and was just ordering my lunch... To my disbelief, this young upstart then proceeded to tell me that, in my current financial state, I really shouldn't be BUYING my lunch, but I should be bringing a packed lunch of sandwiches to work with me!!!
I then said 'Excuse me! And not that it's any of your business but, I do actually...' At this point he cut me off & said, I'm not getting into this, Goodbye. I then said, hold on a minute, you are dictating to me what I should eat, and you won't wait for a reply... At that point he put the phone down on me!
I have made a complaint by telephone to the manager, Barry Gasgarth, who I also notified about this site & suggested that he takes a look at the various messages posted about his company & staff's rude & unprofessional manner.
He was actually quite nice to me, and did say that he would be having words with the staff member in question, and would be taking a look at this site!
Lets hope it has some effect eh!0 -
Arlene
I really wouldn't hold your breath i had to resort to the recorded delivery letter to the company director. Funnily enough i haven't heard a thing from them since.
Last time i spoke to them last friday one of their " customer service staff" told me what a wicked person i was being in debt and i should play by the rules, when i qoted that back to him he did the usual theres no point in talking to people like you and put the phone down. Needless to say yet another complaint winging its way to them.
What a charming company and their recruitment/selection policy must be pretty rigourous to find so many people like this in one company.
I would stress that most other organisations i have spoken to have in the main been ok. Wouldn't say they were helpful but they were ok and accepted that Payplan were dealing with my affairs now.
Dave0 -
If it ever gets to a court situation, do you think these debt collecting agencies tell the court "sorry, we only deal with phone calls, we wont send you anything in writing"!?
How do they file for court action?
chockychocky :A0 -
All the ones I have dealt with verge on illegal activity, threaten you and tell lies
Which is the nature of DCA's. Always in writing.0
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