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RCS is the most pathetic place I have dealt with. A few months ago I wanted to pay up my credit card. I phoned in to ask for a settlement quote. The lady said they don't do settlement quotes and I must pay the full amount on my statement. I did that. I since used the card and paid it up again a week ago. Requested a letter as I want to close my account. Only to receive an email that I owe more money as I never asked for a settlement quote. The staff is not trained properly and so not advise us properly. Now I sit with more money to pay just because someone could not advise me properly. This is totally unacceptable and absolutely pathetic service