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tor1977

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  1. The harassment continues. RMA are out of the picture now, nothing to do with them they say. MBNA however are sending letters, texting me, emailing me, everything. I hate them so much, their staff are so bloody rude, heard a story that they are going to cut a load of jobs and laughed my head off - the way their staff behave is revolting and I hope they all end up jobless and in debt and on the end of the phone to someone who treats them as they treat me
  2. So I FINALLY received a response to my CCA request. They sent me a leaflet of terms and conditions and a computer printout of my financial information (earnings etc...) at the time I got the card. Ummmmm not exactly conforming to the act with that - good luck getting a penny out of me now! lol As far as SAR goes - no response AT ALL from MBNA or RMA (surprise surprise)
  3. I'm really glad you are not letting them get to you Perdita. Wish they still called me, after I CCA'ed them they have run away and hid. I got to almost enjoy the round in circles security question thing.I told one of them that I wouldn't go through security because I thought he was stood really a stalker that was stood in a telephone box across the road from my house and told him I was waving at him through the window. LOL
  4. Hi Perdita, RMA stands for Risk Management Alternatives and as Nornirongirl said, they are indeed a debt collection agency. I have had dealings with them and have to agree with Babybear and refuse to deal with them in any way other than by letter. Also it may be an idea to keep a log od ANY calls they make to you as they can be rather persistent and often unpleasant. If you search these forums for RMA you will find many examples of their conduct. Calling you at work is completely unacceptable and harrassing behaviour. Do not tolerate it
  5. Thanks for that info Noomill, it is a great help. I hope to do anything I can to put a spanner in the works of NCO/RMA and their objectionable business practices
  6. Thanks noomill. That is great information
  7. Yes it is a credit card. I didn't know that. I thought that now they had reduced their late payment charges to £12 that they were allowed to do that. I realised later that I should have started a new thread so moved my post here: http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/158582-mbna-rma.html#post1697057
  8. Thanks so much for your reply PGH, I really appreciate it. I will do the things that you suggest straight away and let you know what happens
  9. Thankyou brassed off. I have done that now. I think I have done it right *crosses fingers*
  10. Hi I originally posted these elsewhere not realising that I should have started my own new thread - sorry Hi, I am new here and have read the posting guidelines but forgive me if I do something wrong and do let me know. I have read through all of this thread - it took a long time. I have been receiving vast amounts of calls from RMA when I have specifically requested that they do not call. I refused to answer their security questions as I told them they could have been anybody. They do not own the debt, it is still MBNA's (who I have been in contact with and whose staff have all actually been quite nice - except one of them who must have been there on work experience from RMA). I have kept a record of the dates and times of RMA's phonecalls (25 in single day) but would like to record them. However I do not know how to do this and cannot afford to buy any special equipment - we can barely afford to eat. What I haven't figured out from here is who I send a CCA request to, MBNA or RMA, as the debt belongs to MBNA? Also, a guy from MBNA asked on the phone if I could borrow the money from my family. After reading through this forum, I saw a link a few pages ago for OFT debt collection guidance and it says in there: 2.6 Examples of unfair practice are as follows: b. pressuring debtors to sell property, to raise funds by further borrowing or to extend their borrowing. I would have thought that this applies to borrowing from family members also. What should I do? Both RMA and MBNA have said that because I left my job x-amount of time ago and voluntarily entered into Higher Education they will not accept any reduced payment from me - it must be the full monthly payment they want. I tried to explain that I had to leave my job as I had a back operation and was unable to continue in the position and because of a lack of formal qualifications the only jobs I could get were similar phsically demanding ones but they don't care. I got help for about 3 years from family to make the payments to MBNA - stupid me. RMA and MBNA told me that the reason they couldn't help me was because I had done this and continued paying the full amount under severely reduced circumstances - and there was me thinking that by continuing to pay by any means available I was doing the right thing. I am really scared and have had barely any sleep for weeks. I am frightened to answer the phone in case it is those RMA people. It is good to see from here that I am not the only person to go through this with these awful people, but in another way it scares me more as they don't seem to have left many people on here alone no matter what they do. This is making me really ill. I am just so frightened and then really angry at myself for allowing these RMA people to intimidate me - which is exactly what they want. I feel like asking them if they want me dead, because at times they make me wish that I was - at least I would have a break from the phone calls and text messages then. I have an appointment with Student Financial Services at my university tomorrow who have said they will try and help me but I don't know what they can do - if anything. If anyone at all has any advice it would be greatly appreciated. Thank you all in advance for your time I forgot to mention that the reason I can no longer get help from my family is because of how much the payments have increased by since taking out the card. I believe it was 15.9% p.a and is now (as of September 2008 ) 34.9% - so more than doubled. Also MBNA agreed to stop late payment fees for three months while I 'try and sort myself out' - their words, but are still bunging hundreds in interest on top. One more question from what I have read here. Does the age of the CCA make a difference as to how it is? I am a bit clueless as to these matters. I got a Virgin/MBNA card in 2005 and can't actually remember what (if anything) I signed besides an application form. Sorry if this is all a bit long-winded
  11. Thanks for that. I'll do that now - well try to anyway. lol
  12. Hi all, A question from what I have read here. Does the age of the CCA make a difference as to how it is? I am a bit clueless as to these matters. I got a Virgin/MBNA card in 2005 and can't actually remember what (if anything) I signed besides an application form. I have gone into this in more detail here: /debt-collection-industry/44578-rma-nco-debt-collectors-20.html
  13. Hi, I am new here and have read the posting guidelines but forgive me if I do something wrong and do let me know. I have read through all of this thread - it took a long time. I have been receiving vast amounts of calls from RMA when I have specifically requested that they do not call. I refused to answer their security questions as I told them they could have been anybody. They do not own the debt, it is still MBNA's (who I have been in contact with and whose staff have all actually been quite nice - except one of them who must have been there on work experience from RMA). I have kept a record of the dates and times of RMA's phonecalls (25 in single day) but would like to record them. However I do not know how to do this and cannot afford to buy any special equipment - we can barely afford to eat. What I haven't figured out from here is who I send a CCA request to, MBNA or RMA, as the debt belongs to MBNA? Also, a guy from MBNA asked on the phone if I could borrow the money from my family. After reading through this forum, I saw a link a few pages ago for OFT debt collection guidance and it says in there: 2.6 Examples of unfair practice are as follows: b. pressuring debtors to sell property, to raise funds by further borrowing or to extend their borrowing. I would have thought that this applies to borrowing from family members also. What should I do? Both RMA and MBNA have said that because I left my job x-amount of time ago and voluntarily entered into Higher Education they will not accept any reduced payment from me - it must be the full monthly payment they want. I tried to explain that I had to leave my job as I had a back operation and was unable to continue in the position and because of a lack of formal qualifications the only jobs I could get were similar phsically demanding ones but they don't care. I got help for about 3 years from family to make the payments to MBNA - stupid me. RMA and MBNA told me that the reason they couldn't help me was because I had done this and continued paying the full amount under severely reduced circumstances - and there was me thinking that by continuing to pay by any means available I was doing the right thing. I am really scared and have had barely any sleep for weeks. I am frightened to answer the phone in case it is those RMA people. It is good to see from here that I am not the only person to go through this with these awful people, but in another way it scares me more as they don't seem to have left many people on here alone no matter what they do. This is making me really ill. I am just so frightened and then really angry at myself for allowing these RMA people to intimidate me - which is exactly what they want. I feel like asking them if they want me dead, because at times they make me wish that I was - at least I would have a break from the phone calls and text messages then. I have an appointment with Student Financial Services at my university tomorrow who have said they will try and help me but I don't know what they can do - if anything. If anyone at all has any advice it would be greatly appreciated. Thank you all in advance for your time EDIT: I forgot to mention that the reason I can no longer get help from my family is because of how much the payments have increased by since taking out the card. I believe it was 15.9% p.a and is now (as of September 2008)8 ) 34.9% - so more than doubled. Also MBNA agreed to stop late payment fees for three months while I 'try and sort myself out' - their words, but are still bunging hundreds in interest on top.
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