MBNA and RMA

[tor1977]

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

[PGH7447]

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). send them the phone harrasment letter this can be found in the templates section, until they get this, answer the phone say in writing and put the phone down, do not get tino any type of conversation with these cretins

 

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. - keeping a simple record of call frequency is good, what you can do is report them to to OFCOM for continous calls after being requested to stop, do this now

 

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? CCA RMA and SAR 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: This is against the FSA and OFT guidelines, demand their complaints procedure and get a complaint in about this phone drone

 

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? - see above

 

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 What a load of tosh, what the hell has it to do with them what you do with your life - IDIOTS - 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. MORONS

 

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. Do as stated above, they are nothing but lowlife ****, they cannot hurt you send you to prison or interfere in your life in any way, the more you talk to these cretins the more power they think they have over you, they are nothing remember that, just phone drones out to make a quick bonus by intimidating you to make payments you cannot afford

 

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. - when you get the statments after requesting them on the sar we can start to reclaim these back:)

 

 

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. when you get the agreement post it up on here for people to check it out

 

Sorry if this is all a bit long-winded

 

PGH

[tor1977]

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

[PGH7447]

Good Luck

[noomill060]

I also SARd NCO/RMA (same company)

 

The resultant mess they made of my S.A.R - (Subject Access Request) cost them dearly.

 

I got my data in the end, after taking them to court. It wasnt complete, and I complained to the Information Commissioners Office. Their disregard of direct instructions from the Information Commissioners Office has led the Information Commissioners Office to monitor NCO/RMA and they would welcome any further complaints aginst them.

 

Check these threads, they may not mean much to you at the moment, but all info regarding non-compliance is useful for future reference.

 

http://www.consumeractiongroup.co.uk/forum/data-protection-default-issues/135360-noomill-nco-round-2-a.html

 

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/113638-re-r-subject-access.html

 

 

page 15 in this thread- photo of the settlement cheque I received from RMA?NCO http://www.consumeractiongroup.co.uk/forum/general-consumer-issues/34337-nco-europe-keep-calling-15.html?highlight=NCO#post1107604

Edited September 9, 2008 by noomill060

[tor1977]

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

[tor1977]

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)

[tor1977]

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