RMA Debt Collection Agency

Tootsie_Roll

davek1 wrote:

Sorry to resurrect this again.

Another call from this bunch of lovely people ( very tongue in cheek) at 8 am this morning. This time i refused to go through the security check with them that really threw them. their rep got very angry and said we will continue to call. I'm sitting here seething and have just typed a letter tot them using the info above about contacting debtors etc and banged it off to them by special delivery of course copying in barclaycard.

Lets see what happens now.

Dave

So as a debt collector the question I have to ask is: Have Payplan contacted them yet with your SOA and offer of payment ?
I am also at a loss to understand why someone clearly as able as you to stand up for themselves will not speak to them on the phone ? Absolutely back everything up in writing but why restrict yourself to that alone ? It seems to me that it's winding you up a lot more than them.

It seems to be common advice amongst the more militant that talking to lenders/dca's over the phone is just playing into their hands. You can get a lot more resolved in a 5 minute call than you can in weeks of snail mail and if you end up speaking to some numpty then insist you go higher until you speak to someone with a brain. The quicker you get it sorted to your satisfaction the quicker you can get on with your arrangement and the rest of your life.

Best of luck.

fairylights_2

We've had a few phonecalls from the bank in the last six months or so which start off with "hello mrs ***, this is so and so from Lloyds about your joint account. Could you just confirm your date of birth/postcode/account number?" In days of yore I would have just answered their questions, now I refuse. Not because I'm trying to hide from them, you just don't know who it is at the other end of the phone - it could be Joe "Identity Fraud" Bloggs making sure he gets everything he wants from you. I'd suggest you tell them you don't deal over the phone because you aren't certain of their authenticity. They surely couldn't argue with that, could they? (unless authenticity is too long a word for infernal debt collectors :rotfl: )

Harassed_2

You can get a lot more resolved in a 5 minute call

.. and of course you have absolutely NO record of what was said or agreed. Keep it all in writing, especially with dubious companies like RMA.

Sorry, T_roll. Dc's will just have to hire more people that can actually read and write.

davek1

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

smcaul

Tootsie_Roll wrote:

So as a debt collector the question I have to ask is: Have Payplan contacted them yet with your SOA and offer of payment ?
I am also at a loss to understand why someone clearly as able as you to stand up for themselves will not speak to them on the phone ? Absolutely back everything up in writing but why restrict yourself to that alone ? It seems to me that it's winding you up a lot more than them.

It seems to be common advice amongst the more militant that talking to lenders/dca's over the phone is just playing into their hands. You can get a lot more resolved in a 5 minute call than you can in weeks of snail mail and if you end up speaking to some numpty then insist you go higher until you speak to someone with a brain. The quicker you get it sorted to your satisfaction the quicker you can get on with your arrangement and the rest of your life.

Best of luck.

You are making the very poor assumption that all debt collectors are like yourself. I have dealt with quite a few in my time and all of them have twisted things that have been said on the phone - then call records/notes get lost and they deny all knowledge of things. Only way to deal with these parasites is by letter, at least there is a paper trail then and they can't deny agreements.

Harassed_2

Only way to deal with these parasites is by letter, at least there is a paper trail then and they can't deny agreements.

Exactly, always in writing and writing only.

Turning_into_scrooge

Harassed wrote:

.. and of course you have absolutely NO record of what was said or agreed. Keep it all in writing, especially with dubious companies like RMA.

Sorry, T_roll. Dc's will just have to hire more people that can actually read and write.

Absolutely agree. If anything ever ends up in court you have proof that you tried to negotiate with them, they cannot say you ignored them when you have the proof you didn't

Love the post Harrassed :T

Turning_into_scrooge

Tootsie_Roll wrote:

So as a debt collector the question I have to ask is: Have Payplan contacted them yet with your SOA and offer of payment ?
I am also at a loss to understand why someone clearly as able as you to stand up for themselves will not speak to them on the phone ? Absolutely back everything up in writing but why restrict yourself to that alone ? It seems to me that it's winding you up a lot more than them.

It seems to be common advice amongst the more militant that talking to lenders/dca's over the phone is just playing into their hands. You can get a lot more resolved in a 5 minute call than you can in weeks of snail mail and if you end up speaking to some numpty then insist you go higher until you speak to someone with a brain. The quicker you get it sorted to your satisfaction the quicker you can get on with your arrangement and the rest of your life.
Best of luck.

Depends on the company...........

suffolkb

I have been having similar problems with Linkfinancial.First they told me that they don`t do anything in writing.When i asked for proof of an alleged debt,i was told that they do not need to prove anything.I have asked them to put THAT in writing,but now they deny saying it(of course).
At no time have i ever denied a debt - i just want proof.In view of other threads,i have asked for a complete breakdown,clearly showing all charges etc that i will be challenging as they are illegal.Yesterday,i got another letter still not doing this.I have now suggested that they carry out their threat of court action,so that i can produce my 33 e-mails and get this finally resolved.

inmypocketnottheirs

suffolkb wrote:

I have been having similar problems with Linkfinancial.First they told me that they don`t do anything in writing.When i asked for proof of an alleged debt,i was told that they do not need to prove anything.I have asked them to put THAT in writing,but now they deny saying it(of course).
At no time have i ever denied a debt - i just want proof.In view of other threads,i have asked for a complete breakdown,clearly showing all charges etc that i will be challenging as they are illegal.Yesterday,i got another letter still not doing this.I have now suggested that they carry out their threat of court action,so that i can produce my 33 e-mails and get this finally resolved.

Link Financial are, as I have pointed out to them, a bunch of brainless witless morons!

Personally, I would just ignore all correspondence and let them take you to court. If they are harrassing you you can subscribe to 'choose to refuse'' from BT where you can block their phone number. If they then withold their number you can add 'anonymous call reject'.

These people are parasites who have bought your debt for pennies in the pound who then threasten, bully, harrass and intimidate you into paying.

You could write a final letter telling them that you do not admit the debt, that you need to see a copy of the signed consumer credit agreement and the notice of assignment and a copy of a default notice.

More than likely (depending on the age of the debt) they will not be able to provide this. Also if they can not they are unable to take you to court. Plus to get you into court they will have to pay the court fees up front. This I can almost certainly tell you they will not do.

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!!