I know what you mean Freedom.It took me a long time to settle with them.They had a high priced lawyer after me, and he thought he could bully me.I have from close friends that had bad expierences with them.They kind of remind the Bush administration,crooked and corrupt.

They are too powerful - no one wants to take them on and I don't have the energy - I'm just struggling to get through each day - settleing debt with creditors etc...

If I ever win the lottery - it would be my first priority

Sue them!

Hi there

Warning for anyone negtiating settlement with RBC visa credit line. We negotiated debt settlement with them last year - over the phone - they said to wait - formal documents would follow in the mail.

Documents did not come - and then RBC emptied out and froze my bank accounts, and my childrens - the last banking day before Xmass because I did not sign and return documents - futher investigation revealed that RBC sent documents to an incorect address - reason I never received the documents - but they said it wasn't their problem that they sent it to the wrong address.

Settlement offer was off the table even though RBC screwed up. - they said too bad - I didn't answer within the 10 days - so offer was off the table.

Ombudsman wouldn't help (big surprise).

ps My bank accounts were for an incorporated business - they had no authority to touch, and my childrens - how low can you go..