RMA Debt Collection Agency

macdaddy1984

"macdaddy 1984, please can you explain why you think it is ever appropriate for someone to secure debt against their house?"

I do not see why securing debts against the equity in your property is innapropriate PROVIDING that the monthly payments can be kept up. this is a personal decision made by someone in debt and, due to poor credit history, unadvisable.

however sometimes this is the only way forward. i would never offer someone a mortgage while at RMA if i did not deem it appropriate, and i would certainly never have offered a secured loan for them, and this facility wasn't in place during my time there

macdaddy1984

030 wrote: »

I am not doing this at all, i now work for one of the UK's major banks arranging mortgages, although i cannot prove this i think it is rude and obnoxious to discount everything i said. It is ok for you to say i am trolling for RMA, but you know nothing of me or who i am, i am only trying to help

I didnt say you were trolling I said it SOUNDED like like you were, a big difference but then you were too busy being defensive to notice that. You see thats the problem with RMA whilst you may think you are being helpful to us customers you come across as defensive. In misunderstanding what I have written you then call me rude and obnoxious. This is exactly what happens when people call RMA.

RMA are a phone based company, they do not write letters or send bailiffs, their client passes the debt on to solicitors and then bailiffs if RMA are unsuccessful.

It is unacceptable to expect people who are already in debt to have to phone a premium rate number to discuss their options. As I said in my previous post, I dont have a phone and if I did I can ill afford to stump up money for a premium rate number

I myself worked on RMA Resolve, they are a free service who offers plans for you to work from, they generally are nice people as if your debt is passed to them it is because AMEX realise you need help and offer it via them. If you have arranged to pay each month DO NOT WORRY! they will leave you alone and every six months will call for an update.

They are not free, see premium rate number above.

and 030's attitude is exactly what i mean by renegade, just be polite, its the best advice i can offer, they won't leave you alone but in the end it will be as painless as possible as you will get someone there who is helpful. i'd love to give names of people who would help but i can't for obvious reasons.

This is plainly ridiculous, I have been polite to RMA at every turn, how can you presume to know what has been said between me and RMA? This is the second time youve made false assumptions about me, is this how you treated people when you were working for RMA? It is you I take issue with for dismissing peoples comments. There are serious issues being raised about RMA, are you saying that we are all at fault and they are right because I can tell you categorically that RMA have not been the benevolent, caring agency that you portray to me.

and again for 030, if there is any way to prove to you and the others i am an EX employee i would love to do so.

I'm really not interested if you do or dont, as I said before you sounded as if you were trolling for RMA not you were...maybe all RMA operatives are as defensive as you and thats why some of us get such a bad service?

I REALLY AM ONLY TRYING TO HELP

As I'm sure you genuinley thought that when you worked for them but by your own admission you were rude to people and you've shown from your post that you get defensive and then abusive when you wrongly perceive you are being attacked.

I can only describe the way i found RMA Resolve from when i worked there. i didn't lose my temper or become defensive, i was astounded that someone would push their opinions on others on a forum site beleiving that their views are the correct way, and from a "debt collectors" perspective, this is absolutely not true. if you call RMA or send them a letter you can request they call you without charge. they always had a local rate number when i was there. maybe the company has changed an i am not now aware of this, they were taken over by the NCO corporation shortly after i left.

I don't believe anyone on here is stupid, but PLEASE do not take any advice from any of us. this site can only be based on opinions, perceptions and views, no one on here is 100% right in the "advice" they give. get professional FREE help via the one of the companies i have previously mentioned. i was only trying to help in any way possible but i believe peoples attitudes, mainly 030's, due to the fact i was once "one of them" is making me feel like i don't really want to get involved in a merry go round of childish arguments and mud slinging.

i will never claim to give good advice, only friendly help, i offered to prove i was not now a debt collector and hope i have done that. i will help in any way possible but get everything you hear in here verified by a professional

I explained the reason why i was rude to people also and if i dealt with anyone who may read this i apologise, however 030 you have also shown that when provoked, tempers can be lost. I have been told to go home and watch my mother sleep with a dog, i have been told i would be stabbed as i walked across our dark car park, i have been called names that even Channel 5 would not broadcast, it is not an easy job, add to that workplace targets and it can really get on top of you. I would never want to cause anyone distress or upset but sometimes the red mist descends on us all.

thanks for reading my stupidly long post again, anyone wants me for anything you know where i am!

030

macdaddy1984 wrote: »

I can only describe the way i found RMA Resolve from when i worked there. i didn't lose my temper or become defensive, i was astounded that someone would push their opinions on others on a forum site beleiving that their views are the correct way, and from a "debt collectors" perspective, this is absolutely not true. if you call RMA or send them a letter you can request they call you without charge. they always had a local rate number when i was there. maybe the company has changed an i am not now aware of this, they were taken over by the NCO corporation shortly after i left.

I don't believe anyone on here is stupid, but PLEASE do not take any advice from any of us. this site can only be based on opinions, perceptions and views, no one on here is 100% right in the "advice" they give. get professional FREE help via the one of the companies i have previously mentioned. i was only trying to help in any way possible but i believe peoples attitudes, mainly 030's, due to the fact i was once "one of them" is making me feel like i don't really want to get involved in a merry go round of childish arguments and mud slinging.

i will never claim to give good advice, only friendly help, i offered to prove i was not now a debt collector and hope i have done that. i will help in any way possible but get everything you hear in here verified by a professional

I explained the reason why i was rude to people also and if i dealt with anyone who may read this i apologise, however 030 you have also shown that when provoked, tempers can be lost. I have been told to go home and watch my mother sleep with a dog, i have been told i would be stabbed as i walked across our dark car park, i have been called names that even Channel 5 would not broadcast, it is not an easy job, add to that workplace targets and it can really get on top of you. I would never want to cause anyone distress or upset but sometimes the red mist descends on us all.

thanks for reading my stupidly long post again, anyone wants me for anything you know where i am!

Oh dear, talking to you really is like talking to someone from RMA! Their recruitment department must have a template! Its hard to know where to start with your last post because its so full of inaccuracies and to be honest I'm losing interest. I think leaving RMA was possibly the best thing you could have done!

So, lets start with your 1st sentence, try and keep up :

In your 1st post you said: on occasion i was short tempered and rude to people who owed money then in this post after you have been pulled up on it you say i didn't lose my temper or become defensive 2 problems with this, did you lose your temper or not? make your mind up and secondly I said you were defensive with regard to my initial post, not with customers for RMA. You cant hold together a cohesive discussion in a forum where you have time to prepare your answers, I can only hope you were more coherent over the phone? To me, this is why communication in writing is vitally important when dealing with people like RMA, it's far too easy for things to become misconstrued.

You said if you call RMA or send them a letter you can request they call you without charge Are you actually reading my posts? I've already told you I dont have a phone! To date I've written to RMA 6 times ,twice with a breakdown of my finances, 5 times with an offer of payment, 6 times requesting they stop calling my parents and every time requesting a contact number that doesnt cost me premium rates. On the occasions that my parents have inadvertently answered the phone calls they have explained all this. I still havent received a single reply.

i was only trying to help in any way possible but i believe peoples attitudes, mainly 030's, due to the fact i was once "one of them" is making me feel like i don't really want to get involved in a merry go round of childish arguments and mud slinging

You know you really shouldnt come on a thread that is openly critical of RMA and announce that you used to be "one of them" and not expect some kind of criticism, its naive to say the least. That merry go round of childish arguments and mud slinging is called debate in informed circles, but if you wish to take your bat home then feel free.

i will never claim to give good advice, only friendly help, i offered to prove i was not now a debt collector and hope i have done that. i will help in any way possible but get everything you hear in here verified by a professional

I agree entirely with this, I haven't criticised your advice at all, most of it is actually quite sound but you really could have done all that without saying you used to work for RMA, whilst I respect your honesty in saying so, in a thread full of people having very real problems with your ex-company it would be churlish to expect people to welcome it with open arms.

however 030 you have also shown that when provoked, tempers can be lost

I can assure you hand on heart that my temper has not been lost though out this discussion, I'm sorry that you feel that way. If we had been discussing this face to face my tone would have been calm and measured throughout. Just a tip here for future use, if you are going to say things like " you have shown" then its best to follow it up with proof as I have tried to do in my postings otherwise its just idle speculation.

I have been told to go home and watch my mother sleep with a dog, i have been told i would be stabbed as i walked across our dark car park, i have been called names that even Channel 5 would not broadcast, it is not an easy job, add to that workplace targets and it can really get on top of you. I would never want to cause anyone distress or upset but sometimes the red mist descends on us all

I'm really sorry that you have had to put up with such behaviour, its appalling and makes me despair that their are such cretins in the world. I can assure you that I have never behaved in that way, I'm quite capable of holding a conversation without having to resort to name calling which, in my book, means the caller has lost the argument already.

Look I dont want to fall out with you, you seem a genuinely nice guy, too good for RMA! I wish you every luck in your new job and hope that you never find yourself in unmanagable debt. Please dont stop posting here because of me, there are other people hear that have been helped by your posts I'm sure. But please do try and be accurate!;)

smithja

I have had problems in the past with debt collection agencies, bothering my parents. (I have taken out their names just in case they notice this) to name two, I got them to stop when I found out their email address, made mention of the Data Protection Act, Harrassment Act 1997, the Telecommunications Act 1984, and the best one the Administration of Justice Act 1970. That last one under section 40 makes it a criminal offence for them to contact your parents. Find their email address, it will be on google somewhere, either the main search or in google groups and copy in Alistair Buchanan the Information Commissioner. You will not hear another peep out of them, eveything will be in order. James

smithja

I have been looking around for an email address for you but cannot find one, maybe the guy who used to work for them will know one. Either that or go to the website of Company's House and find out their registration details and send a letter or letters to their Directors. Naming all the laws I put above, if you need info on which part of each of them they are breaching I can find out. James

macdaddy1984

030 wrote: »

In your 1st post you said: on occasion i was short tempered and rude to people who owed money then in this post after you have been pulled up on it you say i didn't lose my temper or become defensive

With all due respect anyone who reads both posts will see these two scenarios were completely different subjects. I was rude and short tempered with customers, for which i have apologised however the second quote you had of me was in response to someone telling me i had become defensive towards them in this forum. please do not insult me in saying i need to be consistent in what i say and then twist my words into something they are not. i apologise to you for any offence and would like the same courtesy back if what i have said in this post, now i have explained it, is true.

Please tell me if i am wrong in how i have construed my own words.

And i think you are a nice guy too 030, and the funny thing is i was once in debt to the extent where i myself had collection agencies chase me. i paid what i could when i could until i could raise the finance to pay them. so i have seen it from both points of view.

macdaddy1984

Unfortunately i do not have any e-mail for RMA, can't remember what i used and it was always a managers e-mail anyway.

Good advice if you can implement it, the laws are generally abided to and they can always "lose" your correspondance. it is a horrificly difficult time for people in debt to have collectors on your back, so get help.

030

With all due respect anyone who reads both posts will see these two scenarios were completely different subjects. I was rude and short tempered with customers, for which i have apologised however the second quote you had of me was in response to someone telling me i had become defensive towards them in this forum. please do not insult me in saying i need to be consistent in what i say and then twist my words into something they are not. i apologise to you for any offence and would like the same courtesy back if what i have said in this post, now i have explained it, is true.

The second quote was in reply to me, has it been so long you've already forgotten? You said it here:

I can only describe the way i found RMA Resolve from when i worked there. i didn't lose my temper or become defensive

If you didnt mean it in context with your work with RMA then maybe you shouldnt have used it after you've just discussed them! This is what I mean about accuracy.

smithja

cheers. It does work and surprising well. These days the debt collection agencies know these laws, and when they hear mention of them back down. Adding in the Information Commissioner helps just to verify you sent the correspondence and stop them ignoring it as they know that one is a criminal offence (i.e people can go to jail), and the others attract a fine of up to I think £5000 per breach. James

030

Thanks Smithja, I'll do a few searches for the email address and also on those acts you mention.