Welcome Guest ( Log In | Register )

Important Announcement:
  • Creditboards is now accepting applications for our moderating team.
  • Our Military Forum is open for our members of the military and their unique challenges.
  • Thinking about Credit Counseling/Debt Management Plan? Check out our new forum.
  • If you're getting an Authentication mismatch error: Clear your cache. Log out of CB. Delete your cookie. Close your browser. Open your browser and log back in.
  • AOL users: In order to post you will need to use Internet Explorer 6.0 (or higher) or Firefox 2.0 (or higher). You cannot utilize all features of this board using the AOL browser.
 
 Reply to this topicStart new topic
> RMJ whats the best way to handle them
megensmom
post Jan 22 2009, 03:09 PM
Post #1


Group: Members
Posts: 281
Joined: 18-August 05
Member No.: 21,280
I got a settlement letter from them for an old acct. I had at Wachovia. I had closed the account but I had a check that was outstanding which caused me to overdraw.
I started to send RJM a letter with full payment not the settlement amount and tell them what had happened and ask that they remove the CL from my CR.How easy is RJM to deal with? I guess I could call this a PFD. This is also showing up on my CR.


We have a bank acct.now but because of this Walmart won't let us cash or write any check there and some other stores are the same way. So I would like to get it cleared up. This is the only thing on my Chex file.
 
    +  Quote Post  Go to the top of the page
Googie
post Jan 22 2009, 03:09 PM
Post #
The MoneyMaker

Group: Accounting
Posts: One in Every Topic
Joined: 1-February 03
From: Mountain Home, CA Member No.: 1


 
      Quote Post  Go to the top of the page
coogs08
post Jan 24 2009, 05:05 PM
Post #2


Group: Members
Posts: 175
Joined: 28-March 08
From: Texas
Member No.: 71,837
Whenever I hear about RJM on here it seems like it has to do with how easy they are to PFD. So I think your chances are good. However, I also hear about how they 'fold like a lawn chair' if you DV them and show them you know your rights. I suggest you DV them first however.


IPB
 
    +  Quote Post  Go to the top of the page
megensmom
post Jan 25 2009, 11:46 PM
Post #3


Group: Members
Posts: 281
Joined: 18-August 05
Member No.: 21,280
Ok I can DV them first that shouldn't be to much trouble and then maybe go for PFD.
I am trying to work with BOA right now on our current account. We hadn't used it in a while and they got us with the 5.95 charge for monthly fee because we don't have direct dep. well that caused the acct to go neg. so I am going to call them tomorrow and see if I can get some love. I don't want to close the acct. but I didn't even think about the fee because we used to always have direct deposit. And I hate to pay $35.00 for that.
 
    +  Quote Post  Go to the top of the page
1 User(s) are reading this topic (1 Guests and 0 Anonymous Users)
0 Members:
 

Reply to this topicStart new topic

 

Powered By IP.Board © 2009  IPS, Inc.
Skin by: Dragonfly © all rights reserved.
© Copyright 2003 - 2008 Creditboards.com. All rights reserved. No portion of this site may be reproduced without explicit permission from the owners. The content of creditboards.com is subject solely to the personal whim of its admins. We reserve the right, at our sole discretion, to remove any and all posts or comments, at any time, for any reason which takes our entirely capricious fancy, or for no particular reason whatsoever, without restriction. Comments or questions regarding the site may be addressed to admin@creditboards.com.
Lo-Fi Version Time is now: 21st November 2009 - 05:12 AM