RMA Debt Collection Agency

Reggie256

indebtstudent wrote: »

this bunch of muppets bought my barclay card debt also. as they cannot harrass me by telephone, i get at least 2 letters a week, telling me to either contact them immediately and cut up my card, or when that one doesnt work, they send out a letter stating 'we have a proposal for you'. i started sending them to my DMP firm, but they still send them out, so i just shred them now as they arrive.

Good plan - recycling garbage is always to be commended!

Nickpearson_3

Hi Debt Collector

I read you comments re Baines and Ernst with interest. I would be interested in any cases you have where we have made late payments which are due to an error on our part. Under the OFT debt colection guidance our customers are not obliged to talk to you where they have nominated us as their representative. Finally I assume you are a fairly junior member of staff as your comments do not reflect the views of the managment of RMA

DEBT MANAGEMENT COMPANY's


DO NOT, go with companys such as euro debt, spectrum, baines and ernst.... DO NOT SIGN TO ANY that charge a management fee as all theyre interested in is that bit of money you pay them, as a debt collector these agency's are the worst to get hold of, hardest to talk to and usually break arrangement by making your payments late which result in further calls to you. which most comapny's tell you that you no longer need to speak to your creditors and simply tell them to contact them. these companies are not regulated and you will most likely pay more back to them in management fees than your actual debts... so when your account goes for further action because the 3rd party you have employed to sort your debts out has failed to pay on time it is YOUR FAULT they then cease to deal with that debt. so please bear this in mind AVOID MANAGEMENT FEE COMPANY's oh and the CAB....

geoffky

sallyjo wrote: »

Hi Dave,

RMA was sold my £2K debt from AMEX early last year within days of my advising AMEX of my DMP. I got a few phone calls from RMA (I never talked to them) and a letter or two at first, but then from last March I've heard nothing at all.

I NEVER talk to these jokers over the phone. You are not obligated to talk to anybody over the phone. Keep everything in writing. Taking back the power over your debt situation will remove a whole lot of stress.

I am only now harrassed by phone by one of my seven creditors, Halifax, irregardless of my many letters and their acceptance of my DMP! They call sometimes up to 6 times a day - not at work anymore but 2-3 on my mobile which I reject upon seeing 0870 calling-idiots!. The landline ones have a slight delay, so I know who they are, and I just hang up as they connect. Very occasionally because I want to be sure of who it is, I will answer the phone. I am always polite and calmly refuse to 'go through security' and give my date of birth, post code or whatever. I just read my script, "No, I do not discuss my account over the phone, only in writing. The bank has been informed of this many times. Have a nice day". And hang up. Don't even do that much if they call you at work, just hang up the phone on them. I have been harrassed at work a few times, in the beginning, but then I get stroppy and say bluntly "Do you realise this is my work number! I do not accept this type of call at my place of business. Do not! call me here again" and hang up.

In addition to AGBs advice below-thanks that's worth having to hand!, write to Barclaycard and complain to them about RMA, and ask for confirmation as to who is dealing with the debt. I would not deal with a random debt collector before hearing from my original creditor.

Good luck.

BAD advice.......in writing means you have proof of whats been said and arranged....don't talk to these jokers on the phone....and treat them with the contempt they deserve...

MRJL100

Hi Davek,

You will probably want to punch me in the face for admitting this but i used to work for RMA, terrible company and disgusting practices, i worked there for around 3 months, and thats all i lasted as it used to make me depressed calling people up asking for money, we were basically told that we had all these rights to be firm with debters and that we could effect credit scores etc etc, and for most the people working there that was okay, made them feel powerfull hehe, of course when i looked into it i realised these company's have absolutly no right to call you, and you definetly shouldn't be making payments to them (not that you have hopefully) they have about as much right to ask you for money as Tom, !!!!!! or Harry, the reason they get violent on the phone is 1 - because they are stupid 2 - they are told to, and 3 - they get commision for hitting targets each month.Which really is a joke.

I was on my way to getting sacked as i hardly ever made any collection's mainly because i was never ''FIRM'' enough with the debter's, or thats what they kept telling me, people in that office especially on the MBNA side of things are a complete laughing stock, they have a fast turnover of staff and the ''Manager's'' as they like to call themselves should be cleaning the floor in Mcdonald's, in fact thats an insult to cleaners:beer:

Just a message to everybody, if you ever get a call from these idiot's just ask to speak to Jeff Moulton, advise him that you dont want his department calling you again and that you will not be paying them any money.

Or you could do the best one in the book which is, ask for a copy of your credit agreement with YOUR signature on it, ask them to send you that and advise you will only deal in writing and that you dont have to talk with them over the phone.

Although i wouldn't even deal by letter as you will never get a response, the letter's just come through the door and straight into the bin unless it's from a solicitor.

I enjoyed some of my time at RMA (NCO) racking up phone bills whilst having 35 minute discussion's with debters about were they live and what the weather was like, in fact i spent most my time advising people in bad debt how they could get help etc, guess i just wasn't made for debt collecting:D.

Regards,

Mark

SunderlandMick

Hi, i'm after a little help.

I've currently got a barclays account with an overdraft that i know went over the agreed limit a little while ago however around January (i'm on benefits) i received a large sum of money (around £600) into my barclays savings account, £500 of which went into my current account and as i thought, brought my overdraft back under the agreed limit. Since the money went from my savings account, i've heard nothing at all from barclays and they normally send me letters fairly regularly regarding things about my account.

Around 3 weeks later, i begin getting calls from RMA asking me to contact them, i haven't as yet and today received one of these cards through the door saying that a R. McCormack will be calling on saturday which has distressed me somewhat as my parents were the ones who picked the card up and i'm trying to deal with my debt myself.

After reading through this thread, it seems best to contact them in writing but do i first contact barclays to see if the debt has been passed on and if it has, do i agree to pay RMA?


Thank you and sorry for bumping an old thread

scouselad1974

Hi

I'm only new to all of this myself, but I have read a lot of posts, where "calling on Saturday" could possibly mean telephoning you on Saturday.

I think you can send them a letter requesting that they are not welcome to call at your property, if they do call don't answer if it makes you uneasy.

I think other members may suggest that you send the "prove it letter" so you know who/what you are dealing with, someone with more experience will be a long shortly to help, hopeully I haven't given you the wrong advice.

troughmonster

Hi
I have had first contact from RMA today regarding a Barclaycard debt. I dont dispute the debt, but I am not impressed with what I have read about RMA.
Can anyone offer any details of contacts for anyone within Barclays that I could complain to if they start to harrass me?

I am posting them my I&E today, but I'm not sending them my bank statements - I havent done it for any other creditor, and I'm not doing it for them. I have offered a monthly repayment and that is what I will stick to.

Abroad

People, just joined and I have a question for you re my possition wrt RMA.
I left the UK about 5 years ago and one of my Barclay accounts went into overdraft to the tune of GB900.
I had, over the preceeding years delt with my other card - MBNA, Barclaycard etc. and cleared all of those down. Just when I though that I had gotten myself clear up pop RMA saying I owed 900 quid and that (if I remember rightly) that they now owned the debt.
I've paid 300 over the phone via my local credit card (I know, I know) then I started to look at sites such as this and have begun to think to myself that they may not have the ability to recover if I don't accept their calls. Does anyone have any experiance with DCA's collecting from a foreign country or is all down to my good will and wanting to pay and be honest??

Mick2010

Personally I've had no problems with RMA. I've been dealing with them for 12 months over £800 I owed on a bank overdraft - at first they were calling persistantly, but once i explained that I would make regular payments (each payday) the calls stopped except on payday when they would call for a payment which in my opinion is fair enough. They were professional (with one exception of a guy who sounded like he was having a bad day so i just put the phone down and waited for someone else to call) and understanding of my financial situation, never once threatening to 'send someone to my house'. Instead they would set up 3 month payment schemes, each scheme the amount increasing by £10. If they are being awkward with you its probably because you're being awkward with them, although you might not realise. If you owe them money thats that - just explain to them if you cant pay off in full and they'll arrange a payment scheme you can afford (i started by paying £20 a month).

marotw

I had a call from RMA today. They have been passed my Natwest CC balance that I was repaying to Triton (Natwest Collections) and we had a very straightforward chat and setup a payment plan for the next three months. So far, so good. The mere fact that the balance is out of Triton's hands was enough to make my day, and they had far and away been the most difficult collector to deal with.