Advice Needed Please

rfdebt

Hi all,

I am after some advice.

Amex used RMA to deal with my debt and after trying to get at me through my brother and failing; I wrote official complaints to both RMA and Amex regarding their behaviour.

To cut a long story short, RMA passed us back to Amex because I just wouldn’t give in to their “telephone us” demands. I wrote to Amex and said that RMA had ignored my contact in writing only request and consequently as far as I’m concerned my complaint re RMA has not been resolved and Amex has wrote (dated 13th March) and said that my complaint has been escalated and will be investigated further.


Anyway, after around 10 days of silence (from RMA), today I have received a letter from Credit Solutions Limited who have lumped on over £700 as a file referral fee to my Amex debt and want the full amount on return. They state: Please do not simply write as our time limits are strict. In other words – phone us to confirm your payment has been sent. There is a payment slip attached to the letter.
My questions are:

• Can Amex pass the debt on to another DCA whilst a complaint is ongoing?

• Am I right in thinking that Amex should inform me before passing the debt on to another DCA?

Any advice on what I should do next would be much appreciated as always!

Scarlett.1974

Hi rfdebt,

I'm afraid I don't know the answers to your questions, but wanted to bump this back up for you so hopefully someone else will know.

Are you going BR soon?

rfdebt

Hi Scarlett.1974, thanks for bumping my post!

As my mortgage company shockingly agreed to a 6 month mortgage break (repayments resume in August), I am trying to hold off as I am trying to get a job, (have applied for loads, have a couple more interviews coming up in the next few weeks). I want to be able to rent a house prior to going BR and I’ll need a job first! At 52 it feels like I’m on the scrap heap!!

Still, must try and stay positive – then maybe I’ll get lucky!