Thread: Mint/triton/green & Co

Hi just wondering if anyone can help. I had a debt of £650 with Mint. They passed it on to Triton who insisted I had to pay £80 a month. I am a full-time postgraduate student. I managed to reduce the debt to £219 through various part time work but now have no job and exams shortly. I anticipate I may be able to pay the debt in a couple of months when I am working full time but have run out of options now. I rung Triton and asked if i could pay less and they point blank refused suggesting I should borrow the money off someone. I have now received a letter 30/1/08 from "Green & Co" stating unless I pay the debt they will commence court proceedings in 7 days.

In addition to this I had a friend begin a claim for unlawful charges on the Mint Card in November. I received an offer of £95 pounds from Mint despite the debt now 'being in Triton's hands' but passed the matter onto a friend who has prepared the complaint to go to the FSO. The total amount of charges is in the region of £300. I am wondering how to progress now with the matter, can anybody help?

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Originally Posted by rebeccalmuir

They passed it on to Triton who insisted I had to pay £80 a month. I rung Triton and asked if i could pay less and they point blank refused suggesting I should borrow the money off someone.

They have no right to insist anything.
I would have insisted that they make do with £1 per month in a like it or lump it sort of way.
As for them refusing your request to pay less - next time you speak to them, say you are refusing to pay anything to them & let them take their "actions" against you etc...
A court would soon put these cheeky muppets in their place

Don't speak to any DCA on the phone; write and tell them you will only deal with the matter in writing. They will invariably try to exploit telephone calls, and insisting that they always write will give you time to think and act.

Pressurising a debtor into further borrowing is contrary to the OFT Guidance; you can report them to Trading Standards for this.

Triton are just another department of the bank, RBS, just like Mint. And if you look carefully at the letter from 'Green & Co', you will see they are just the in-house lawyers at RBS. All cosy in the same family.

I suggest that you send them a CCA request with £1 postal order. See the template letter. If you sretch it, also send a SAR with £10 to gain all you stateemnts over the last 6 yeasr to see if there are any unlawful charges that you can claim back.

Ok will send a CCA letter? Just a quick question though have I not already acknowledged a debt with them by already making some payments?

Hi ok I sent the CCA as suggested by registered post on 6th Feb, Triton then sent me a letter saying they would pass it on to mint. I've heard nothing since but then today I receive a letter from Newman Debt Agency saying they want a cheque for £220. I don't really know what to do next can anyone help?

I suggest this excellent letter to Newmans along the following drafted by Curlyben (suitably amended)

ACCOUNT IN DISPUTE
Dear Sir or Madam,
Account number: XXXX XXXX XXXX XXXX

I must admit that I am rather bemused as to why this account has been passed to yourselves, as it is in dispute with the **original creditor/DCA** and has been since DATE 2007.
Not only is this a breach of OFT collection guidelines, but also in breach of the Consumer Credit Act 1974 and Data Protection Act 1998

My last letter from **original creditor/DCA** was DATE and intimated that my complaint would be
resolved on **DATE**, this obviously hasn’t happened.
As **original creditor/DCA** are now in default of my Consumer Credit Act request, OFT Collection Guidelines, *Subject access request and have also breached *s10 Data Protection Act request , I consider this account to be in SERIOUS DISPUTE.

As you are aware while my Consumer Credit Act request remains in default enforcement action is NOT permitted, under s127 this constitutes a complete defence at law.

Now I would respectfully suggest that this account is returned to the **original creditor/DCA** for resolution of these defaults and breaches, as **New DCA** cannot lawfully pursue any enforcement activities.

If **New DCA** chooses to ignore my dispute and attempt enforcement, I will initiate legal action and file reports with the appropriate authorities, including, but not limited to, Trading Standards, Office of Fair Trading, Information Commissioners Office, Financial Ombudsman Service and possible court action.

After taking advice, I am of the opinion that any continued pursuit is in violation of the Administration of Justice Act 1970 section 40 as well as breaching a number of the OFT Collection Guidelines

I hope that this will not be necessary and an acceptable solution can be accomplished.

I would appreciate your due diligence in this matter.
I look forward to hearing from you in writing.

Yours faithfully