NCO Europe Ltd again T/A RMA Sent a card to say someone will be visiting and can I ring to confirm if this is not convenient. No one turned up (surprise surprise!). Have written and phoned them to explain proposing an IVA and stop harrassing me - no response. Typcial DCA behaviour!

Thanks Cornucopia. Will be sending a harrassment letter to MBNA tomorrow. Definitely doing an IVA though - have debts in six figures and repaying them even with frozen interest would take 20 years! Looked into this for ages but appreciate the advice. Might start a thread if anything else interesting happens but I'm also on the iva.co.uk forum and my fingers will wear out if I doing anymore typing!

Update for all you harlots our there Phoned RMA and told them to stick it where the sun don't shine (after faxing copies of letters I'd already sent them and MBNA). They point blank denied I had ever contacted them and still asked for payment. Don't think they like dealing with people who know their rights and told them any further contact will be forwarded to TS and hung up. Hope that's the last I'll hear from them. Now to MBNA - tried the same tactic and although they were actually quite reasonable over the phone they just tried to talk me out of an IVA and get me to make a payment there and then. After repeatedly telling them no and realising I wasn't getting through I told them not to phone me anymore and my IP would be in touch to complain about harrassment. Then hung up. And then got chasing phone calls every hour up to about 8PM tonight! Sounded like an Indian call centre and they denied all knowledge that I had ever spoken or written to anyone at MBNA and how would I like to settle my arrears! So they will be getting a call from my IP too very shortly. Anyway that's all for now - if anyone gets MBNA chasing them then they have my sympathies as they don't seem to know their ass from their elbow!

Hi, I got exactly the same letter on Friday saying the same person Mr C. Green will call on Monday! (I am proposing an IVA but RMA are totally ignoring this despite phone calls / letters etc). I wonder if this 'Mr C. Green' gets about by helicoptor as he seems to have a lot of people to visit! I spoke to my Insolvency Practitioner about this and they said it is just another bully boy tactic and they are extremely unlikely to turn up. If they do the advice already posted is sopt on - send them away with copy letters and if they won't go immediately phone the police. I'm going to phone RMA and MBNA again today (for about the 10th time) and advise them I will be sending harrassment letters to them and trading standards. Don't let them get to you!