RMA Debt Collection Agency

mm2000

I have to deal with RMA regarding an Amex debt. To be honest I've not heard anything in years. They used to phone stating they were a phone based company only ( I wonder how they manage to get thye cheques out of the envelopes I send each month) They did phone a couple of times to see if I could increase my payment. I just told them no, they said ok and hung up. Guess I've been luckier than some.

THE_LONE_RANGER_4

nothing to be scared of if there abusive hang up tell them to prove they own the debt or have been asked to collect if they phone you at work after your request for them not to, call oft ts call all of them and follow your complaints up but you dont have to talk to any one just hang up

vjl

thank you for the replies so far - i am feeling more confident now in my dealings with this company - although being the debtor, i have paid off an awful lot of my original debt and will continue to debate the, what i believe to be, excessive 'charges' - they did accuse me of trying to stall, but i replied that i had finally done what i should have done originally, ie, instead of being bamboozled by these people, should have checked out exactly what my position was. Thank you

THE_LONE_RANGER_4

pay what you think you owe, and dispute the rest its your legal wright to do so if you dont owe something dont pay it simple ,or we can all phone any debtor and say you owe me this or that etc when does it end ?,if you dispute dont pay

TheDebtCollector

Glad I don't work for them

debtcollector_4

i am stumped at how you people think... your in debt. your going to receive calls. your going to be spoken to in a 'forcefull' attitude. many of you people have been in debt for a very long time before a company such as 'RMA' get involved, i.e. barclays, MBNA (or whoever it is,) their debt collection agency then a third party such as RMA. you broke the terms and conditions of your credit agreement. which means balance in full within 30days (if you cared to read before signing). so if you cant pay it then you need to keep in touch and make arrangments for repayment.... you know your in debt so when someone calls stating that theyre wanting to speak to you regarding a 'PERSONAL FINANCIAL MATTER..' you think...mmm i owe money to lots of people sooo who could it be. you dont just hang up or speak to them like theyre something you just stood in. after all its not our debt. we sleep easy knowing that our money on payday wont be swallowed up by over due bills.

subject of calls and letters

RMA only call after sending letters out 2 days before (yes we are a telephone based company letters are computer generated, what cannot be discussed over the phne that can be in a letter?). so you should already know why we are calling. so 'they' on the other end of the phone have to presume your ignoring the matter (which most of YOU do!) when you give excuses not to speak. We are people too, we dont need abuse from debtors. ok i know theyre are some people who take calls too far i.e telling the debtor that RMA will send a door to door collector round (yes RMA deal with door to door collections by the way) . but this isnt a threat this is what will happen if you continue to ignore RMA's calls. or lie to us saying that theyre another member of their family... we've heard it all before... mmm like hanging up on us straight away is gunna help your situation.

the best thing for you to do is to discuss the matter like an adult, answer all questions as honestly as you can.. decline to answer questions you think are too personal and explain why. we need to know your income and outgoing in order to justify your token payments (which we usually ask for the inc/exp over the phone)... then we will set up an arrangement for up to 3 months with a desired method of payment (preferably debit card payments as less can go wrong). with first payment due within first 7 days of that very call. if you fail to do any of above then further calls will continue on any numbers we hold. if you dont want to be called at work then supply an alternate contact number. but i must warn that if contact is not reached on the new number within a couple of days then we have to resort to calling you back at work. as questions need to be asked about authenticity of repayment.

REMORTGAGE OFFER

and in regards to coments about remortgaging. we do not offer remortgages through ourselves but through a 3rd party company. who are unbiased about what debt you are in as well as dealings with rma, they are only interested in helping YOU to pay off all your debts, they will not help if they do not think they can get you debt free. we do not force anything like this on you as you most likely know already, it is against the law, we offer it as a way to help you out of debt, as whereelse are you going to raise enough money to clear all your debts. and possibly be on a better mortgage rate... you can even reduce your monthly mortgage repayments... but hey you most likely think im talking 'sales'.

the only advise about trying to get out of debt is to do something about it, dont just leave it for months on end, dont give an 'attitude' to the other person on the phone who is simply asking questions to understand your situation. believe it or not we are here to help. ok there maybe some advisors who are difficult, but simply, ask to speak to someone else. if they dont allow you too then take the telephone number. hang up and call back until you speak to some one more pleasant.

DEBT MANAGEMENT COMPANY's

PLEASE PLEASE PLEASE.. if your going to go through a debt management company go through CCCS or PAYPLAN. theyre are free registered charity's totaly intent on helping you and your creditors. ok they may only offer nominal payments but we will accept.
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....

SETTLEMENTS

if you are able to raise an amount of money but not enough to clear debts creditor will offer settlements or indeed you can offer to do this your self, creditors will accept nothing less than 60% of the outstanding balance and give up to 2-3 months for this to be paid. but cannot offer settlement no more than once. so make sure you have the money.

BANKRUPTCY

and if you see no way out of debt and your only paying your creditors back less than £10 a month then the best option for you is to go bankrupt. BRITISH GAS can help raise the funds, seek help about this from Citizens advice. it will mean you will have no bank account and unable to obtain any further credit for 12months. homeowners are unable to do this as they will lose their house.

for home owners the is more of a risk, they have an option of IVA's but again fail to keep up payments will result in loss of home too

well... this started as a rant.. but i hope i gave some usefull information as i know theyre are people who didnt just get in to debt through over spending....

simple thing is.. pay your debt. or go bankrupt and get the fook of our system
:spam:

Broken_hearted

rUBISH COMPANIES WILL EXEPT FULL AND FINAL SETTLEMENTS OF 25% U[PWARDS.

Donedoingdebt

Whilst I agree broadly with your advice, you have to realise that when some people get this far into debt they sometimes have several DCAs chasing after them. There is a human reaction called burying your head in the sand when they feel everything is getting too much for them to cope with. Most people know that the sensible thing to do is keep in touch with your creditors. BUT, in these situations you can be dealing with some very vulnerable, scared people who find the concept of dealing with DCAs absolutely terrifying. It's not for no reason that some people resort to desperate measures such as suicide etc when trying to face up to large, seemingly impossible debts. This is not making excuses, just giving another insight into the mindset of certain people in these horrible situations.
As regards the paid for DMCs, I agree with you 100% on that score, having had my fingers burnt a few years ago by Baines & Earnst in the manner that you describe (late payments, payments to the wrong accounts etc.) The worse thing they did was when I ended my agreement with them & asked them to return all my documentation, they duly obliged by sending me the accounts of several people from all corners of Britain with the same name as myself. Of course, I now wonder who else had access to my private information.

UKTigerlily

I knew I was gonna miss one payment of a loan, so called up to tell them & got nothing but threats & abuse, and NO I didn't abuse them at all, I simply explained I would be late with a payment, no I couldn't pay today but in a few weeks & all they did was make threats. A week later I had a nervous breakdown & couldn't pay anymore, now I owe them almost double what I borrowed. I didn't know about CCCS/Payplan then, wasn't working, wasn't physically able to use a phone or write to them. Yes, my early debts were very much my fault, but I doubt people want to communicate in writing if DCA's are ok. It's easier by phone, but i'm not gonna have tons of abusive calls a day, tho WESTCOT I will happily call as they've been nothing but pleasant & professional

Broken_hearted

Wescot can be slow at doing things but they are way better than some. Now that I don't owe them anything they dont bother me at all.