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    • Could you post up the letter, with your personal info and their reference covered up, please? It should say Letter of Claim, but let's have a look just in case. HB
    • I know dx, a lot of it was my partner and how she felt about it. I also appear to be addicted to my credit file being clean. I still worry for my partner she has too much on as it is, but I am ensuring I manage both of ours so She can forget about. i guess in terms of time I bet masses are defaulting with this economy as it is right now and high interest rates might be the only thing going for me right now. I guess  I’ll find out
    • Please see below for an extract from the letter more about my case. You have been convicted of two matters of failing to give driver details linked to two speeding offences and been disqualified in your absence. You confirmed that you did not receive the court documentation and the first you knew about the cases was on 3/6/24. As you can make a statutory declaration it is possible that we will be able to persuade the police to accept pleas to either or both of the speeding offences as they were committed within a very short space of time and withdraw the two fail to give driver details offences as normally if you plead to one or other of the speeding or fail to give driver details the prosecution will withdraw the other related offence. If successful you would not face a totting ban. In respect of the speeding offences, it could be argued they were committed on one occasion due to the proximity of the time and location and we may be able to persuade the prosecution to drop one of the speeding offences. You are technically guilty of all the offences because you accept it was you driving when the speeding offences were committed and that you did not update your change of address with the leasing company when it was your responsibility. If the prosecution will not withdraw the two failures to give driver details offences, you will face a totting ban but will be able to put forward an exceptional hardship argument. This  may or may not go ahead at the court hearing date, so we need to prepare for all eventualities. As a safeguard we have lodged the appeal and applied to suspend your ban pending appeal due to the time limit for being able to automatically appeal without getting leave of the Judge. The court have dealt with the matter very quickly and have actually listed your matter for an application to suspend the disqualification pending appeal on the above-mentioned date. We could actually use this date to make the statutory declaration in court having explained the situation to the magistrates and then see if the prosecution will agree to accept pleas to one or both of the speeding offences as a way of resolving the matter without the need for you to put forward an exceptional hardship argument. It is possible the case would need to be adjourned so that we can make those representations, or the court may want to go ahead and hear the exceptional hardship argument. The outcome of your case is always at the discretion of the Court.  
    • Hi,    I will look over your case shortly.   I am sorry for the delay.
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Help - RBS Mint want a fight!


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  • 2 months later...
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  • 3 months later...

Had a letter from RMA (Risk Management Alternatives) demanding the full balance and confirming the alleged account is cancelled.

Can't be bothered to respond unless anyone knows a reason why I should.

Annoyed that yet again a company I have never heard from before, demands money on behalf of the CCC without thee CCC telling me they have passed it to someone else. How do I know they haven't got my details by phishing or other illegal means?

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  • 2 weeks later...

First phone call received from anyone for ages at 08.26 this morning leaving a message saying call RMA urgently. This was to my office number which is a no-no and a little strange as all calls from RBS were to my mobile last year.

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Hi exchange

 

i agree about your views on benson's post above.

 

As regards RMA, I have always responded in like manner to them, telling them to go away, often using the same letter. I know it costs a stamp but I was told by a lady at my local CAB who admitting working for one of the DCAs (before she saw the light) that by responding in writing, your case goes back to the bottom of the pile. The rationale is that the DCA would have to employ a person with more than one brain cell to read a letter. Its easier to press a button and send the next letter in the process. After 3 letters, the file tends to get returned to RBS who then farm it out to another low life. eventually, they get the message. Or at least that's how it seems to me. I'm at 4 years & 3 months since I last paid anything to RBS, so I'm counting the months!!

Arrow Global/MBNA - Discontinued and paid costs

HFO/Morgan Stanley (Barclays) - Discontinued and paid costs

HSBC - Discontinued and paid costs

Nationwide - Ran for cover of stay pending OFT case 3 yrs ago

RBS/Mint - Nothing for 4 yrs after S78 request

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Thanks for the advice Docman, much appreciated. I can se the logic of what you are saying so will write to them, particularly as they have attempted to contact me on a work number which I believe is against the guidelines. Great you are only 1 year and 9 months away from statute barred, which actually isn't that long in the grand scheme.

Good luck with it Docman.

Exchange

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Letter sent to RMA to complain about the calls to my office number and that I will only correspond with them once RBS have confirmed thay have authorised them to chase the alleged debt. After all, I had never heard of them before they wrote to me, how do I know how they obtained the information?

This is one of my pet hates now, as letters should not come out of the blue from strange companies demanding money who have no proof they are connected to the alleged debt in question.

That's how I, and I would hope any reasonable person should see it and it makes them all work a bit harder:).

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RMA letter received today dated the day before I sent a reply to them. Basically they want money still if I feel inclined to pay them anything (yeah right!), but otherwise they are giving up and returning the account to RBS!

I'm a bit disappointed to be honest, as I didn't get a chance to send any sarcastic letters to them. Very weak attempt from them!

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  • 4 weeks later...
  • 3 weeks later...

RMA called my work number again today and left a message to call them. As I have never called them back or spoken to them on the phone, at what point will they get the message that they never will? Bunch of idiots!

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  • 2 months later...

Another letter from RMA arrived yesterday saying it's my last chance to come to an agreement with them after 'exhaustive' attempts to contact me! They said they were returning the account to RBS earlier in the year so I'm guessing RBS have said no thanks, we don't want it back. I haven't actually heard anything from them since August so there 'exhaustive' attempts to contact me are not so exhaustive are they? Anyway, letter filed and wait to see what they do next.

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