I have, SP seems to think everyone is a DCA. Why on earth would I be on here at 01:00 if I was part of a DCA. I have tried to find holes in what the DCA have done. I have sought legal advice...Unfortunately they have dealt in the proper fashion. SP mentioned the FRF.. they have agreed to waive this. I cannot dispute anything else.. they have provided a CCA and a SAR. There is nothing more I can do. SP if you don't believe me then so be it. But you must be very cynical.

why are you being arogant towards me. I have done you no harm but yet you persist and seem to enjoy having a dig at me. WHY??? All I have tried to do iss warn people so they don't get in the same sticky mess as me. And you dig at me for this?? Doesn't make sense. Do you treat everyone as if you are talking to a DCA? I don't understand why you are being like this?

what do you mean by this??

ok seeing as you ask so politely.

The demand is still for the full balance on my CCJ for the charge card. But I can pay £50 pm for by credit card. RMA are refusing to accept anything less than full balance on my charge card on the basis that I have assets and equity. The charge balance is £4500.

The File referral fee was in my terms and conditions and so were all the other charges. I had a credit card and a charge card. they sent me a CCA for the credit card, and copy of the terms and cond's for the credit card and the charge card. I am not refusing to pay my CCJ.

I have just been registered with a CCJ after RMA's solicitors Westminsters got involved. I have sought legal advice on their legal right to do this and it turns out that they are fully within their right. Their horrible plan now is to get County court bailiffs to attend my property and cease my things. Some please help????? BW

if a warrant of executuion is obtained then they are in their right to do this.

with respect Paul, I am merely trying to make others aware that from my experience and according to my solicitor RMA have followed the correct procedures, and are right to place the CCJ. RMA could be beaten if they hadn';t followed the law. But unfortunatly they have.

thnaks ODC, but RMA did provide me with a CCA. Plus is was a Charge card so not under the CCA. They still sent me a copy of my application form. I have already sought legal advice and I was told that if RMA get a warrant of execution then there is nothing I can do. The bailiffs can turn up with the police if need be.

Why have you done that, I posted this on a lot of threads as I don't want others making the same mistakes I did. Posted on more than one thread to make sure people see it.

oh I did my research alright.. The only way you can get a CCJ set aside is when you dispute it at the claim form stage. I had no grounds to dispute my debt at all. I had spent all that money and agreed to the interest rate when I took the card out therefore I couldn't set this aside. Just read a letter also in my huge pile of mail this morning stating they are going for a warrant of execution and this will be issued by the court in due course. help what can I do??

since when was I sticking up for them?? What an insult. I was an amex member for 33 years then they cancelled my card because I missed 3 payments for my min due. I was warning everyone what RMA are capable of then no one is under any illusion they are harmless. You need to retract that statement immediately.

troll spotting? how do you mean?

not really.. one way or another I have spent amex's money. I got a lot of nice things. The fact of RMA sending me a CCA doesn't change this. I signed and used the card as per T&C's of the card. I now used to owe £7000 I now owe £10500 was warned by RMA. But my own stupid fault I didn't pay any attention. At the time I just laughed at them down the phone, and told them to only deal in writing. At this point they said they would but through their Solicitors Westminsters.. If only I co-operated with RMA I wouldn't be in this mess.