This is the first time writing on the forum, had a read of some posts before but never posted myself. So here goes......
Has anyone heard of RMA? they are the people who are dealing with my Virgin Credit card account on behalf of MBNA. I'm a couple of months behind on my payments to them and so have just received a phone call from them. Well in short, they made me feel like something on the bottom of their shoe!![V] Infact I came off the phone in tears. (which is quite rare for me!!![:I]) I didn't realise that because I'm in debt means that I need to be spoken to like that.
He demanded a payment but wouldn't take my Solo debit card so then told me I had to get a friend or family member to pay it and if didn't then he could gaurentee I would get phone calls from them everyday on every phone number they have for me until I pay something. I'm worried now that they will phone my work number, which won't go down well![:0]
I'm finding it more and more hard to be strong with them, sooner or later I'm going to crack under the pressure of all this.
It's them who are the crud on the bottom of your shoe, not the other way round!
The people who work in the call centres are bullies. They work on comission so will try every trick in the book to get you to pay up.
Unfortunately the calls will continue, probably several times a day. If you have online access to your credit card then I would go in and change any access numbers on there. Just put 010000000, it is usually accepted. You can refuse to confirm your details so they can't continue with the calls. If they did phone at work, just tell them that you are not allowed personal calls.
Are you actually seeking any help with your financial problems at the moment?
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
MBNA use RMA quite a lot but that type of action borders on harassment and could lead to their losing their licence. If this is the only debt you may be able to have the interest and charges frozen and repay what you can afford each month. If there are other creditors beside MBNA it would be worth speaking to an IP firm to see what is the best option for you.
If they threaten to keep calling you at work, home or mobile you could complain to the Office of Fair Trading which is not something MBNA or RMA would like. Tell them a time and number to call when you will talk to them and keep records of everyone you speak to. Good luck and it wasn't a rant.
Last edited by Michael Peoples on Thu Jun 18, 2009 12:45 pm, edited 1 time in total.
Unfortunately there are other debts, amounting to roughly £40000. I have contacted a couple of IP firms, who have told me we would be eligable of a DMP, but not an IVA because we don't have enough DI. We only have about £200 DI a month. The thing is I wanted to do an IVA because I've heard that a DMP is over a long term and an IVA is only 5 years. My biggest debt is with Northern Rock and its got 7 years left to run, so if a DMP would run longer then that it kind of puts me off doing one. Although I do realise that something needs to be done! OH, I don't know what to do. I wish I could bury my head in the sand!!!!!!! I know I can't ignore it but hey I wish I could!![;)]
Can I suggest that you give Cleardebt a ring? You can find the details under the expert link. They do specialise in lower cost IVA's. It may be that NR is a stumbling block, but give them a ring. It can't hurt and can only help.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Whilst that is a relatively low D.I, in itself it is no bar to looking at an IVA. There isn't a minimum dividend level to consider anymore, just a "best offer" scenario. It may be that you could look at a 6 year IVA to help improve the dividend should that become necessary, and there are other things that could help as well. Are you a homeowner? Could you switch to interest only if you are on capital and repayment? Do you have a car on HP that finishes during the course of a proposed IVA? All in all, I would suggest that you consider getting another opinion or two, it certainly can't make things any worse.
Regards.
Last edited by size5 on Thu Jun 18, 2009 1:31 pm, edited 1 time in total.
Cert DR
23+ years in debt advice
I do not post for anyone other than myself
A DMP does not sound like the best option especially if you only have a small DI. If N Rock are the biggest creditor they will extend to six years anyway which would improve the dividend on offer but would still be shorter than the DMP.
If an IVA is not an option bankruptcy must be unless there is equity or your jobs would be at risk. Some IP firms will not do IVAs where the DI is low but that does not mean it is not an option. Speak to other firms and explain your circumstances and at least your debt situation can be resolved once and for all.
Hi no more money keep your chin up and phone around some different companies I did and am now going ahead with someone even though my disposable income isn''t great the company were more than sympathetic and supportive and positive.I'm not going to be great on the phone either but i will have to deal with it so just remember your not alone and my employer is not going to be to happy either
just keep your chin up!!
Can I suggest you subscribe to BT's 'Choose To Refuse' service. You simply dial a number after you receive a call and they are then blocked from ever calling you again - in fact they get a nice message saying "The person you are calling does not want to talk to you"! It worked wonders for me and all my calls stopped - in fact it worked so well even though I'm not out of my IVA I still use it for the mother in law (LOL)! Keep your chin up you WILL get out of your problems, mine were 4 times greater than yours.
We did that, but the only thing I found, especially with Halifax, is that they do use an awful lot of numbers and you can only block 10.
Good one with the MIL - hadn't better tell hubby, he might want to subscribe to it again!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
