Please help me on this .

Are these all the same people.

I had letters from rma then uca.

When I wrote back I got a reply from nco europe.

My debt went to moorcroft and has now been passed back to uca.

Uca and rma seem to have a very similar address.

I need help understanding who is who.

who's the owner of the debt on your credit file...

sounds like you are on a phishing list

dx

On my credit file it is american express.

At first Amex told me it was being collected by RMA but then UCA wrote to me.

When I replied I got an answer from NCO europe.

It went quiet for a while when Amex wrote to say moorcroft would collect it.

I wrote to moorcroft asking for proof of the debt and money owed .

Now amex have written back saying that it has been with rma and moorcroft but would now be going to uca.

I can only assume moorcroft got spooked and returned it.

It was a nectar credit card

if amex are the owner you can safely ignore the dca's until its sold on.

so what do you actually owe to amex anything?

have you looked at charges/PPI?

whats the default date?

when did you take the card out?

dx

Thank you dx100uk.

I was wondering if amex rma uca and nco were all interconnected as the communication has been confusing.

The card was taken out in 2005 and defaulted in 2011.

The balance on the card is £3000 and I have been making payments as and when I can which is why I think it gets passed around.

TELL [dont ask] them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrain from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

.

as an example>

.

I am currently in financial difficulties and not able to meet my normal monthly repayments.

to show my goodwill, i am going to pay £5 for 6 mts.

i will update you in 6mts time or before, should my situation change.

.

could you please as a reciprocal goodwill guesture,

.

refrain from levying any penalty charges & freeze the interest on my account.?

.

Should you fail to assist me during a period of financial difficulty, contrary to all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

.

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

.

.

as your actions would do nothing to help me.

.

i thank you for your time.

..

.

dx

.

then pay by your internet banking site

.

and get reclaiming

.

TAKE CONTROL

.

or

if you have sent the above and they refuse

then write back........

.

.

i'm sorry, but you have failed to assist me during a period of financial difficulty, against all the guidelines and codes

issued by the relevent bodies and authorities that govern you and the way you conduct yourselves.

i repeat again, the contents of my letter dated dd/mm/yyyy, for want of clarification:

to show my goodwill, i am going to pay £XX for XX mts

could you please as a reciprocal goodwill guesture, refraining from levying any penalty charges & freeze the interest on my account.

i will update you in 6mts time or before, should my situation chance.

should you fail to help by refraining from levying unlawful PENALTY charges & freeze my interest,

i shall have no alternative but to reduce my offer to £1PCM for the rest of the life of the account,

as your actions are doing nothing to help me.

This is contrary to the rules you should operate under.

disgruntled account holder

dx

start this process with amex.

if you've not got all the statements

then send an sar to amex..too.

none of those are amex though some are linked to each outer.

pers i'd not be entertaining nor paying any DCA

if amex own the debt

deal directly with them.

dx

Thanks again dx100uk but this isn't what I was asking.

I think I can deal with them but I am trying to find out if amex rma and uca are linked in any way so I could report them for being deceptive.

I think I need to send a request for the agreement to them.

From reading about the default notice is not correct as it just states an amount to pay and 14 days from the date of this letter. It doesnt say how much over my credit limit I was .

doesn't matter they can do nothing

they don't OWN the debt

amex have no in house dca

anyway

who are UBC

UCA a company in preston with the same postcode as rma resolve.

I looked on the oft register and they are all the same company however in july last year the ccl was surrendered and the new one doesn't include UCA. If UCA do write to me I will ask them for their ccl number

wh they cantdo anything

what does UCA stand for it rings a bell to me

dx

UCA are also called united creditors alliance and are both trading names of NCO europe or were on the CCL that was surrendered in July 2013. They do not appear on the new one however. I have seen a few comments on the internet saying they are part of American Express.

ah that lot...http://www.consumeractiongroup.co.uk/forum/showthread.php?185287-Who-are-the-United-Creditors-Alliance

rma re the same too.

I have I think found out that they are owned by jp morgan chase

What I always do in these situations is write and ask why they are writing to me on different letterheadings as "everyone knows [they] are the same organization."

Well so far ihave not heard from UCA or anyone. I will wait

Absolutely. Never write to them first!

I only write first if the letter contains a nuke !Joke by the way