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?

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?

Hi don't ring them at all they will just try to browbeat you into making a payment. Send them a letter stating the amount of the debt is in dispute due to charges and any interest that has been applied to those charges. These letters are normally we MAY commence proceedings etc, advise them that if they do issue proceedings you will be making a counter claim for charges etc. Then wait and see.

all the best dpick

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?

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 Just put a large heading "THIS ACCOUNT IN DISPUTE" Then when they comply with your CCA 1974 abd S.A.R - (Subject Access Request) requests you can check

1) is the "agreement" supplied enforceable

2) Calculate the charges and any interest applied to those charges, If that would not clear the balance and the agreement is valid then I would start paying them and reclaim charges etc to reduce your balance.

If on the other hand the agreement is unenforceable by the creditor it is still enforceable by you. This is my position with MBNA and I am at court with them to declare agreement unenforceable and refund charges, interest etc.

all the best dpick:)

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)