RMJ whats the best way to handle them

[megensmom]

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.

[coogs08]

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.

[megensmom]

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.