RMA Debt Collection Agency

nikolaanne

You said that you have Faxed RMA? Do you have that number?

Thanks in advance...

garyphimister

I too have had similar problems with these morons. I was contacted by them on several occasions by a Mr Riley, he was most abusive, ignorant and very rude. He too tried to remortgage my house but when I refused he told me that I run up the debt and therefore should pay up. RMA asked me the reason for why I ran up the debt....I have cancer I told them and are out of work, their reply was " not our problem you owe the debt ". I aslo informed them that I am with Payplan and gave them the reference number. To date they are still calling and harrassing me and I tell them the same story.

I am ill but they still harrass, I came out of hospital last week and today they have rung again saying that no case number was given and they are now RMA Resovle, however they are using the same number?

What should I do. The calls are becoming more frequent and annoying.

How can companies like this get away with it?

I notified all my other creditors and they dont act like this. You should know that this debt is Amex.

Ay help

young*

Hello - I am new to this forum. I have been reading the messages about RMA; I have also experienced some disturbing instances with this company. I have an AMEX debt of which I have paid approx 5000K over the last 2 years - I have approx 16,000K left. RMA called me a few day's ago stating that they will not hold on to this debt for much longer as it has already gone long over the time period that they normally have such a debt and that it will be passed back to AMEX who will in turn take some of the following actions via the legal process:

Make me bankrupt
Send Bailiffs round
Put a charge on the property

I advised them that I would continue with my regular monthly payments as I have been doing, in addition to this I will make any lump sum payments that I can as and when I have some extra funds.

I would appreciate it if anyone can advise if they are able to follow through with any of the above mentioned or otherwise - any tips on what I should do, continue with the payments and leave it at that, or something else.

Thanks in advance!

PS> The last call that I had from them, the person said to me that I should either consider taking out a secured loan on the property or re-mortgage the property as I will save money by my repayments dropping etc etc!

asandwhen

young* wrote:

Hello - I am new to this forum. I have been reading the messages about RMA; I have also experienced some disturbing instances with this company. I have an AMEX debt of which I have paid approx 5000K over the last 2 years - I have approx 16,000K left. RMA called me a few day's ago stating that they will not hold on to this debt for much longer as it has already gone long over the time period that they normally have such a debt and that it will be passed back to AMEX who will in turn take some of the following actions via the legal process:

Make me bankrupt
Send Bailiffs round
Put a charge on the property

I advised them that I would continue with my regular monthly payments as I have been doing, in addition to this I will make any lump sum payments that I can as and when I have some extra funds.

I would appreciate it if anyone can advise if they are able to follow through with any of the above mentioned or otherwise - any tips on what I should do, continue with the payments and leave it at that, or something else.

Thanks in advance!

PS> The last call that I had from them, the person said to me that I should either consider taking out a secured loan on the property or re-mortgage the property as I will save money by my repayments dropping etc etc!

Firstly DONT secure the debt - Carry on making the payment you can afford - If the debt goes back to amex still carry on making the payments you can afford - amex cant put a charge on the property all they can do is take you to court and the court will only ask you to pay what you can afford - the court will only put a claim on your property if you do not keep up with the payments that you can afford - I doubt very much they will take you to court anyway - if Amex send anyone round you do not have to deal with them.

young*

asandwhen - really appreciate the advice. Give's me a bit of peace of mind now!

Morglin

A lot of the problems with these collection agencies is that they tend to employ a lot of young, "life-inexperienced" workers who think that all those in debt got there by being foolhardy and silly, and when you try to communicate with them, it's like talking to a doppy teenager..

I do some advocacy and am sometimes asked to contact these people by those who cannot do it themselves (disability), and I'm often talking to someone who's younger than my ironing board and with about as much sense.

They also tend to employ those blokes who think harassing debtors shows them to be "all men" by throwing their weight around and generally acting like "wanabee Krays".

Whether this is because they cannot attract a high calibre of staff due to poor wages or the nature of the job is a moot point.

A lot get into terrible debt because of unexpected sickess and disability - which they couldn't forsee when they took out the debts.

What I advise them to do if they are constantly harassed is to remind these shysters that it is actually now a criminal offence to harass, insult or intimidate a person who is disabled and that they intend to take the matter further..........this usually stops the debt collector in their tracks.

The refusal to confirm their identity questions is also a good move - they are not allowed to continue to talk about your account without this info.

I would always, always advise debtors to insist on everything in writing - not only does it give a written record of events, it's a lot easier to state your case in writing rather than having to try and think through the situation on the phone, especially when you are phoned at work or whatever.

Debts do have to be dealt with (one way or another) but there are now places to help set up payments (the free ones, not the ones out to make money!), so there is no valid reason for these companies to continue to harass and alarm.

They buy the debt for peanuts and then want to make as much money as they can out of the debt.

I was told (and I don't know if this is correct) by a finance company bod that if a debtor pays something every week (anything), then it's virtually impossible to get the thing to court for a CCJ as the paperwork has to be accurate to a penny, and the paperwork never catches up with payments being made weekly.

Lin

radicalrobbo

You can find out what is legal and what is harassment from the Office of Fair Trading (https://www.oft.gov.uk). Download their "Debt Collection Guidance Notes" which were updated in December 2006 and makes interesting reading. Harassment is a criminal offence and could lead to RMA and/or the bank ending up in court.

This is what you should do:

• Write to RMA and copy in your bank/credit card company saying that you find their telephone calls intrusive, abusive and stressful, that they should stop calling you forthwith and that they should put all future communication in writing to you. Make sure you send the letters recorded delivery (it will cost £1 but is worth it). Make sure you keep a copy of the letter as you may need it later.
• Don't speak to RMA at all, but note the date and times of all calls they make to you (because they probably won't take any notice of your letter).
• If, after a week or so they are still calling you, take your file of correspondence to your local Trading Standards Office (part of your local council). They will take up your case with the lender and the debt collectors and instruct them to stop the harassment.
• Keep in close touch with Trading Standards: if the calls continue you might need to be prepared to make a formal statement and to go to court.
• Don't let them get you down.

hedda

davek1 wrote:

i'm not talking to them anymore. I take on board what tootsie says and if they had a different approach as i have to say other collection agencies have. then i would happily deal with them on the phone. Just spoke to interim justicia who couldn't have been nicer or more helpful. I gave them the details they asked for in respect to payplan and they said they will wait for contact from them. I have repeatedly tried to explain this to RMA but i think they either dont or wont understand i suspect the latter.

Apparantly they only deal with people over the phone well guess what? not this time they can write to me and i'm sending copies of everything to barclaycard as well.

Dave

Dave, I can sympathise entirely. Halifax in particular would call my home and husbands work place at an alarming rate. The way I see it is, if you're paying someone to help (ie PayPlan), let them shoulder it a while.

Many DC guys are salesman (this is not gender specific here).. Selling you the option of paying more.. or else. (Or else they'll keep calling) Fortunatetly they are not all the same. Some actually appreciate and understand when you say, "I just can't afford to give you any more money".. Hurray for the understanding ones....

hedda

davek1 wrote:

i'm not talking to them anymore. I take on board what tootsie says and if they had a different approach as i have to say other collection agencies have. then i would happily deal with them on the phone. Just spoke to interim justicia who couldn't have been nicer or more helpful. I gave them the details they asked for in respect to payplan and they said they will wait for contact from them. I have repeatedly tried to explain this to RMA but i think they either dont or wont understand i suspect the latter.

Apparantly they only deal with people over the phone well guess what? not this time they can write to me and i'm sending copies of everything to barclaycard as well.

Dave

Dave, I can sympathise entirely. Halifax in particular would call my home and husbands work place at an alarming rate. The way I see it is, if you're paying someone to help (ie PayPlan), let them shoulder it a while.

Many DC guys are salesman (this is not gender specific here).. Selling you the option of paying more.. or else. (Or else they'll keep calling) Fortunatetly they are not all the same. Some actually appreciate and understand when you say, "I just can't afford to give you any more money".. Hurray for the understanding ones....

CHERKHAN

Hi people.

Stay tuned as I am just about to take on RMA and their bunch of cronies Colemans-Ctts Solicitors.

Bear I mind I am an ex financial and mortgage adviser and have very good knowledge of the regulatory acts etc. nd knowledge of the dirty tricks these companies try and pull. Letters sent out to arrive on a eekend and worry you. Dosn't apear to work with me :rotfl:

RMA have been harrassing my mother who lives with me now since Mercers (ah the dreaded Barclaycard!)hit a brick wall trying to deal when I intervened. Appears I am a pain in the backside to these debt collectors. Sure they have a job to do but let's do it fairly and professionally.

I have blocked several big named banks and credit card companies over little things like 'how the hell do you give a pensioner all that credit when you failed to carry out one single check'! And let's see the original application forma and agreements please. Oops, cannot supply! I would guess that the Cert PFS and CERT CII (MP) after my name helps.

Presently, we have had 107 calls and attempted calls from RMA over the last couple of months. Is that a record? I am now back in my old industry as an electrical techncian but very much in to 'IT' etc. So all calls have been trapped by recording and other 'software' .

We have the 'call this mumber' messages. Of course we wil not call a premium number nor any call that does not identify itself. My argument? If we call you onthis premium rate number we line your pockets and therefore stop the minimum payment to Barclaycard to pay for it. We have had the menopausal 'woman' that shouts and blares down the phone. (For that they got ME on the telhphone leaving THEM a message. One they appeared not to like very much as they calmed down for a few weeks)The guy that won't give his name but puts on the old baratone voice!

Plus we have had the 'mortgage calls' Not a clever thing to do really as I 'traped' the number they called from. lways helps to have friends in BT (I am ex BT too from years ago ):rotfl: :rotfl:

I have just looked at the latest from the OFT and am quite pleased to just be sending off a 'take us to court if you dare' letter to RMA. We have always requested Barclaycard do this but they ignored the request. Wonder why? Perhaps taking a 74 year old partially sighted old lady to court with no assets and small pension income only did not live well with them....public outcry??????

January 30th I sent a letter to RMA after one of their ops caled and actually wantd to talk to little old me. He agreed to the £1 per month and said can we just see the statemet of account. Sure I said, I will send it in a few days. Off I go and write back...Reference the cal of such and such, I would be very pleased to send you thr=ese documnets that you have already received several times and can also request from Barclaycard IF and only IF you make such a requst in writing and state your intentions. Guess what, no response! Now we have staretd the telephone calls again. 4 or 5 times a day. Ooops, harrassment coming along nicely!

Just had the latest threat from RMA solicitors (quite laughable really) unsigned mind you! Addresses with out town etc only name and post code and starts Dear sirs????!!! Oops another technicality and more to the charges of incompetence for RMA. Of course it is one of those 'button pusher letters' That is what RMA employ isn't it? Chimpanzese? (sorry Chimps no offence you are more intelligent!)

I AM going to push this to the court because with the evidence I have and the payment STILL being made to Barclaycard from day one of £1 per calendar month...it will stand.