RMA and AMEX Card

[Andy01]

Hi This is another thread and I hope is the last one.

 

 

Again like the others Its been going on since last 8-9yrs approx.

they are getting £1.00 since then.

 

 

During this period I made them 10%-20% and the last F/F settlement I made 27%.

 

 

they kept on refusing and I continued with my token payment.

 

 

I have 2 card account with them and they both are with RMA Resolve.

Like I mentioned this the offer letter I sent them before I came to know this wonderful site. Every one is here very helpfull.

http://i698.photobucket.com/albums/vv342/Andy01/RMA1.jpg

 

 

Similar offer I made to my 2nd account too.

Some one from RMA phoned me and suppose to be acting on my behalf with Amex to get this settled but Amex refused my F/F offer.

 

 

Then they wrote me on 10th may to settle my account http://i698.photobucket.com/albums/vv342/Andy01/RMA2.jpg .

 

 

then I came accross with this site and I send request for CCA on 18th May.

They replied me on 20th May http://i698.photobucket.com/albums/vv342/Andy01/RMA3.jpg .

 

 

I have not heard any thing from them and I send them "Account in Dispute" quoting that they are in default from 9th June as they failed to comply with my request. They have received my reply on 12th June.

 

Now after almost 1 month i got 3 calls saying they need to speak to me.

I refused to speak to them and asked send me any reply or Q's in writing.

 

 

unfortunately I spoke to the same man who was acting for me to settle the the account with Amex.

He sitll want to know is my F/F offer still stands.

He doesn't know about any of my CCA request as its different department etc etc.

 

I think they can't find my agreement and gone back to settlement figure.

I am waiting to see what next but my F/F offer will be very small this time.

Any thing else I should be doing meanwhile?

Edited July 9, 2009 by Andy01

[cerberusalert]

It's too much of a coincidence that they ask whether your F&F still stands after they receive a CCA request.

[Andy01]

You are right Cerber That's what I am wondering they may not find any thing and ok lets go for settlement. well I am keeping my finger cross.

[Andy01]

Since I wrote a letter "account in Dispute" since 9th June and they received on 12th june, apart from a call for F/F settlement, I have not heard or received any correspondence from them. What you guys suggest shall I keep quite!

[Andy01]

Am write to say that I should not pay them £1 this month to see if they reply to my letter which I wrote on 9th June or any other ?

[cerberusalert]

They're in default of your legal request so you are entitled to withold any future payments until they comply by providing an enforceable CCA.

[Andy01]

Hi Cerber I have not paid £1.00 payment to them (AMEX)for the last month.

 

 

At the same time I have not heard any thing from them either. No calls, No letters etc.

 

 

Same is happened with my "Direct line card" and "Natwest" they have not been paid since 10/06/2009.

 

My "Halifax" and "BOS" accounts there onlt reply I got to continue paying £1.00 a month but as they have default I stopped paying them too.

Please if you got time look into those 2 threads. Thanks

[cerberusalert]

Which two threads?

[Andy01]

Andy01 V Halifax and Andy01 V BOS Posted 6th Aug

[Andy01]

Hi since 12th of june for my reply Account in Dispute I got this reply from Westminster solictors.

http://i698.photobucket.com/albums/vv342/Andy01/amexwest.jpg I got 2 letters the same for my both Amex account. They never ever send me any of my CCa request. So What should I be replying them.

[cerberusalert]

Send them this; http://www.consumerforums.com/resources/templates-library/86-debt-collectors/575-letter-to-solicitors-threatening-legal-action-in-default-of-agreement-request-

[Andy01]

thanks Cerber Its been a while and I thought Its all over. oh well lets get into the writing mode.

Edited October 6, 2009 by Andy01

[Andy01]

Hi Cerber I can,t see the template link which you send . when I go to template library they ask me to register and log on I did it still not works. Can you please look into this. Thanks

[Andy01]

I got it Cerber Thanks

[Andy01]

Westminsters Solictors

Kingston upon Thames

KT1 9LD

　

RMA Ref: xxxx

RMA Ref:xxxx

　

　

Dear Sirs

 

I refer to your letter of 29th Sept 2009, which I received on 6th Oct 2009, regarding the above both accounts. The content of which is noted. No debt to your client is acknowledged.

 

On (18th May 2009) I made a formal request to your client pursuant to s.78 (1) of the Consumer Credit Act 1974. Your client has failed to comply within the statutory time limit, or at all. The only reply I received from your client, was on 20th May 2009, confirming that they are in receipt of my request and they will be dealing with it within the time limit.

My second letter dated 9th June 2009, was posted on 11th June 2009 and which they have already received on 12th June 2009. I had confirmation of this from Royal mail. Copy of my each correspondence with your client is enclosed for your ease.

It should not be necessary to have to remind solicitors that the provisions of s.78 (6) now apply.

 

In the circumstances, RMA Resolve threat of legal action would appear to be a breach of the Consumer Protection from Unfair Trading Regulations 2008 and the Office of Fair Trading Guidance on Debt Collection. Should you or your client bring proceedings, they will be robustly defended, and the Court's attention drawn to the above statutory breaches.

Furthermore, I reserve the right to bring the conduct of your client to the Court when the issue of costs is being considered.

 

 

Yours faithfully

　

　

[cerberusalert]

That's the one.

[Andy01]

Thanks my friend the letter has been send by recoded delivery yesterday. lets wait and see. How come they just remembered after 3 months not to send me my CCA request but solictors letter? I think they may not have any CCA!

[Torexxx]

Bump

[Andy01]

Hi cerber/CB Its been while since they wrote me and now I got this from Moorcroft Ltd.They are the one could not provide me with any Agreements at all. RMA used to deal with them untill they send it to Westminister Solicitors and now these moppets. Advice Please Thanks

http://i698.photobucket.com/albums/vv342/Andy01/AmexMoorcroft.jpg

[cerberusalert]

Send them the letter in post #15., just omit the bit about reminding solicitors.

[Andy01]

Hi Cerber/CB please check this for me Thanks

 

 

Moorcroft Debt Recovery Ltd

P O Box 17

2 Spring Gardens

Stockport

SK1 4AJ

Dear Sirs

 

I refer to your letter of 10th April 2010, which I received on 15th April 2010, regarding the above account. The content of which is noted. No debt to your client is acknowledged.

 

On (18th May 2009) I made a formal request to your client pursuant to s.78 (1) of the Consumer Credit Act 1974. Your client has failed to comply within the statutory time limit, or at all. The only reply I received from your client, was on 20th May 2009, confirming that they are in receipt of my request and they will be dealing with it within the time limit.

My second letter dated 9th June 2009, was posted on 11th June 2009 and which they have already received on 12th June 2009. I had confirmation of this from Royal mail. Copy of my each correspondence with your client is enclosed for your ease.

It should not be necessary to have to remind that the provisions of s.78 (6) now apply.

May I respectfully suggest that you too, as RMA RESOLVE another DCA, has return the account to the original creditor in order for them to resolve this long standing dispute?

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect.

 

This means you must request your client to remove all information regarding this account from their own internal records and from my records with any credit reference agencies.

Please note that my address above as you have send my DATA to the wrong address.

 

I would appreciate your due diligence in this matter.

 

I look forward to hearing from you only in writing

 

Yours faithfully

[cerberusalert]

That's fine.