RMA Debt Collection Agency

Helpfulfriend

Ok, I have worked for a FEW collection agents....dont ask me why as i really dont know why....but money is money!

Ok.....my view is as an insider....that the ones who are hasseling you are the ones that are on commison!! Like 90% of the staff at RMA!

another large collector (formally legal and trade) had a section that they pass cases two before they "take legal action" stage, these also used bully boy tatics and even swear and you! (its really not nice! i have witnessed the calls!!!) But i did not work in this department Thankfully! (they even called up to 9pm at night!)

What if its an old debt?!

Always ask for paper work! Most companies dont keep paper work for longer than 6 years....im not sure if the law is still the same so you would need to look into this but some debts cannot be collected after 6 years have passed with no contact from the debtor! (although from my own experience it has been done....but i cannot say why and who....) Although that was my reason for leaving the industry, i was collecting debts from over 20 years ago!!

Always try and go back to the person who has issued the collectors....barclays....master card....captial one etc....IN WRITING! Even if it is an email but always do it in writing!! talk to them! ask them for a statment so you have the total amount when you start paying! make sure no charges will be added!

DCA will always try and trick you!! so dont get into conversation with them!!! They will try and trick you into telling them what car you drive, house you own...etc and they will take note!!! (but this is going towards legal proceedings!!) If they want to do an income assesment ask them to send you the form!! they will be places to help you complete this on the internet! - you can only pay what you can afford! you have to live!

From working in these places i always tell people no matter where you got the Loan or credit from if you pay it back....ALWAYS KEEP THE RECEIPT! I will never bin a receipt to confirm i have paid somthing off!!!! If they ever come knocking i will have the proof!

**CAB will be able to provide you more information on debts older than 6 years...please speak to a professional and do not take my word for this!***

I hope this give you a bit more of an insight and what to watch out for. I hate these places they are so rude! Good job i was never on commison really....I wouldnt have made any money!! :rotfl:

KM_1

Hi

Does anyone have an address for RMA? I recently moved abroad and had a letter forwarded from my old address from APEX. I explained that I had moved away and that although I can not contact them over the phone - due to the time difference- I gave them my new address and said if they could continue to contact me via my new address I would be happy to discuss the debt with them. I had no reply to the letter and my old address in the UK now gets several phone calls everyday from a company called RMA now. They have told them I dont live but they continue to call on a daily basis. I have not received any correspondence at all from Apex or RMA by letter since I gave them my new address. I really want to pay the debt so they stop calling my old house as they now refuse to answer the phone at all as they are getting so many calls! It is a relatively small amount which i wish to pay and want them to sop calling. If anyone has an address I would be grateful! I dont want to give them my phone number here as I fear they will ring me at any time of the day or night as the time difference is 8 hours here. Thanks

macdaddy1984

If you look back to page 7 of this post you will see I contributed in 2007. I am also an ex employee of RMA and, after reading through more of this post, I feel compelled to respond.

Please do not assume that just because you ask for everything in writing it will make your problems go away. RMA are a collection agency. If they request to correspond by telephone and you don't want to then they will just keep calling.

Once they have had enough of chasing they will just give the debt back to the creditor and then it will be deemed to be a more severe situation then ever before. This is because it is effectively going to be registered as no contact being made in all the time they have had it.

Speak to them, discuss it rationally and see where you get. Remember, these guys are not Alan Sugar, they are front line staff who get paid modest incomes who really don't care if they get sacked for telling a debtor where to go as they will just go to one of the many other call centres that surrounds it.

Make a note of every telephone call you have with them. They record EVERY call

thanks

FTW

macdaddy1984 wrote: »

If you look back to page 7 of this post you will see I contributed in 2007. I am also an ex employee of RMA and, after reading through more of this post, I feel compelled to respond.

Please do not assume that just because you ask for everything in writing it will make your problems go away. RMA are a collection agency. If they request to correspond by telephone and you don't want to then they will just keep calling.

Once they have had enough of chasing they will just give the debt back to the creditor and then it will be deemed to be a more severe situation then ever before. This is because it is effectively going to be registered as no contact being made in all the time they have had it.

Speak to them, discuss it rationally and see where you get. Remember, these guys are not Alan Sugar, they are front line staff who get paid modest incomes who really don't care if they get sacked for telling a debtor where to go as they will just go to one of the many other call centres that surrounds it.

Make a note of every telephone call you have with them. They record EVERY call

thanks

That part in bold - absolutely no. Anything and everything in writing. Unless a 'debtor' is in a position to record the call (whether RMA record them is another matter), then communication by phone is not an option.

If RMA can't communicate in writing, then the matter's clearly not important enough to deal with.

Chocmonster7

Agreed FTW everything must be kept in writing. You never get to speak to the same person twice so you need proof of what was agreed. The only kind of proof any court would accept is an official letter.

Just because RMA don't want to put things down on paper doesn't mean you have to agree to it, you can have rules as well as them!

BigCraigJohn

Of the 10 DCAs ive dealt with(and seen off) these are without a doubt the most persistent, rude, irritating bunch of morons I dealt with. "Why wont you confirm your id?, what have you got to hide?, you realise we will keep ringing until we speak to you and if you dont we will have to come and visit you"

I explained to the young lad that I had been recording the call(wasnt really) but guess what?, he hung up end of call and I never heard from them again, there is also 2 big fat searches on my credit report NCO Europe: Type of search: Unpaid debt. How subtle.

I put in a written letter of complaint to Ulster bank regarding collection methods being used on an unenforceable debt and how as far as im concerned this is Ulsters collection behavior, they did acknowledge my complaint and have not contacted again.

I guess my point is, do not take crap from these people, they are most likely jumped up power hungry saddos sat in a smelly call room, they have the legal training of a cat and more importantly have no right to your money and even less right to treat you like a piece of !!!! on there shoe.

pipk62

macdaddy1984 wrote: »

Please do not assume that just because you ask for everything in writing it will make your problems go away. RMA are a collection agency. If they request to correspond by telephone and you don't want to then they will just keep calling.

MACDADDY; Hope they're still paying you WELL for that bit of crap!

DO NOT DEAL WITH THESE IGNORANT PEOPLE BY PHONE! EVER!

If the debt has any legal binding, then sooner or later you will be required to deal with it in writing, the ONLY reason DCA's will insist that they only talk to you on the phone is because the primary training that the likes of macdaddy have had is to misinform and to harass the people they call... BECAUSE IF THEY GET YOU TO PAY THEY GET PAID!


And don't feel sorry for them, just tell them to go get a proper job, don't take any crap from them at all.

pandaeyes76

jcragg wrote: »

hi i work at RMA in preston this big bad Debt collection agency you are all so mad at. has it never considered to you all to keep up with payments and dont spend what you cant afforsd to pay back and i think all you would be calling if someone owed you money speak to you soon maybe

I would respond to that saying there are many reasons why people end up in debt and require loans. How insensitive of you to make such a ridiculous comment without thinking of the bigger picture. QED that is why you work for RMA

ExcelExpert

I own a small business and a call came through on my business line from RMA and they left a message to call them urgently.

Not knowing who RMA was I did a quick Google and came up with this thread. So I was a bit worried. My business has no debts at all and never has, so why were the phoning my business? I have a few personal credit cards but they are all in order so shouldnt be chased by anyone.

So I called them, gave them my name and nothing else. They said they were from Amex. I explained had never had anything to do with them and I wasnt planning to either.

He thanked me and explained that they were just trying to find someone with the same name as mine and had come across my business site on Google. He was now eliminating me from his enquiries.

Not a very professional way of investigating is it? Phoning everyone in the phone book with the same name? I wonder if he had just watched the first Terminator film when he had that idea

lezzle_2

I keep getting phone calls from these lesser mortals, or at least I think it's them! It's the "I'm calling from rma" that makes me suspect it's the same twerps. Anyway, I have no idea why they keep calling me - nine times out of ten it's a girl who says "am I speaking to Mrs ..................?" to which I reply "yesssss!!! (spit venom)". Then.."for data protection purposes can you confirm your date of birth"...... to which I reply "No, who are you?".....to which (she)/they say(s) that she cannot say ("due to data protection") anything, until I confirm my date of birth!! .....I say I cannot give her any information "due to data protection" and then I tell her to bog off. That's it really. They won't tell me who they are or why they're calling me (I really have no idea) so I tell them to bog off. Simples! Idiots!! Ignore them. If they come to your property, lock your gate, they can do zilch. Fools!