Will get the dispute letter fired off tomm and then try to get sorted out who owns the debt...

Will get that sorted out .. Many thanks

Is it still barclaycard then pulling the strings... And rma just collecting the debt if so why would they offer such a huge discount ??? No CCA maybe.... ???

No ... Just what rma have written and told my mother verbally ....

Have also written to the broker who told me to complain to welcome finance... Been given the run around... !! Have told the fos all of that...

It was after the account was passed on to Rma... That barckaycard refunded the charges... Then when I questioned why the balance showing didn't show this rma said they had removed the amount but had thenadded there own charges ... After 14 months of having the account... No notice if assignment... This is my parents account and they have all paperwork...

the complaint is now with the fos, who have 'received lots of complaints and it may be a while being investigated' , we shall see what happens.... good luck ...

Still heard nothing from RMA regarding the cca request it is now 21days, there are still calling twice a day even after the harressment letter, they did however send a settelement figure of £3500 against the debt which still includes there charges added on. after 18 months!!!

thanks everyone, thats what i thought... they are just laughable, obviously think we don't keep their letters etc!!! and that we are dumb enough to just pay an extra £1000 without thinking about it!!! Cca tomm then!

I thought any charges etc would be added when the account first went to Rma not suddenly show up after 14 months.. It seems that being as I pointed out the charges repayment needed taking off they have just added 'interest' on in place of... We will not be paying it!!!

Hello everyone, just wondering if you could please offer some advice, my parents had a barclaycard which then defaulted and the debt sold on to Rma, mum has been paying the £15.00 per week off the original balance which was £8011.22 ,in dec 2009, just prior to christmas 2010 a letter came from westminster solicitors and the balance was £8363.46, so it seemed no payments were taken off and the balance had risen, and in addition barclaycard had also refunded charges for the account totalling £1106.95 which were supposed to of been taken off, and hadn't been , so i wrote and queried what they were playing at... They have now sent a letter saying they never agreed to a replayment plan as they haven't been able to get in contact with them and need to arrange a plan, and that the account balance is now £7409.80, because they have added on £1060.53 interest!!!!! I also asked that they provide a form so that i my parents can give me their permission to deal with this, no mention of that in their letter! it has only taken them a month to respond to my previous letter.... I am going to send a cca request on monday, but i just wondered what i else i can do, as i didn't think they could just randomly apply interest whenever they felt like it, no other letter have mentioned this previously, seems a bit strange that they had to take off the repayment of charges and then interest suddenly appears!!!!!. when at the end of last years the balance according to them was £8383.46 Any thoughts please...... many thanks

Hi everyone, I am currently being hounded by mackenzie hall, i stupidly took a loan from quickquid and there is £450 owing, and it has been passed to Mackenzie hall, they called me up and told me they needed it paid within three months so £150 per month, i said i couldn't pay, they then got to me to say i would pay £25 per week, which i still cannot afford, i have written to them informing them of this, and have now received more calls saying they will take me to court and get a ccj then a sherrifs order ( baliffs) i presume... i have offered £25 per month... i think this is reasonable as i can't pay money i don't have ... any help would be very much appreciated, they also told me that this is different to any other loan or card i have as they have my electronic signature and i should of paid it off within 30 days, so it isn't like other debts when it comes to recovering the money, oh yes and they also questioned why i took the loan in the first place, i did say it has nothing to do with them and they shouldn't sit there judging my life. any help would be great thank you ...

Have just recieved another reply from welcome , its only take a month, to tell me there are no points raised in my letter asking them to take another look at the claim, so therefore they have investigated the complaint fully and we need to complain to the broker, as its nothing to do with welcome... so i think its off to the fos we go in the new year... any further thoughts anyone.... many thanks

Hi there, so sorry for the delayed response, haven't been on in a while, didn't get any where with them, they wrote back and fobbed me off, and then various other things at home,and kind of took over and it got put on a back burner, so i never pursued it any further, but may well start again, would love to hear how you have got on with them, successfully i hope

hi DX, thanks for that, i have had a good read, but can't seem to think how best to word my next letter to welcome, or should i write to guaranteed, just to cover that angle, even though they will just say contact welcome, i am a little stumped, with what to write next, any ideas would be great, many thanks