Hi everyone.

I am in need of some advice.

I had a loan with royal bank of scotland which (due to money problems at the time) went to debt collectors (Frederikson international)

I agreed a payment plan with them directly with direct debit and paid this off.

2 months later i get a call from the debt collectors again saying i still owe another £500.

I queried this as i do not have a bank account with this bank and only had the one loan.

So there is no logical reason why they would want more money and none of my repayment defaulted.

They said i would need to speak to Royal Bank Of Scotland as they had sent them this 'debt' 2 days ago.

Also i might add that on this day.

..frederikson international took another sum out of my bank account without my authority which im sure is illegal!!

I got this back though.

to cut a long story short

i made a written complaint to the royal bank of scotland who (after a couple of months of investigating)

sent me a letter with good news..

.They had explained what went wrong,

apologised for what had happened,

specified that they now consider this debt to be paid in full,

would amend this on my credit rating and even refunded me £110 for the inconvenience.

I didnt ask for any compensation but that was a really lovely touch i felt.

HOWEVER!!!

The very rude team at Triton credit services keep ringing me (every day so far) asking for this 'debt' to be repaid.

They keep changing the amount too.

Initially it was the full £500.

Then i got a letter from them saying it was around £200,

then i got a call today saying it was £500 again.

I keep trying to tell them about the letter from royal bank of scotland but they dont seem to want to hear it.

Ive offered to fax,email, send a copy of this letter to them to back up what ive been saying

but they claim 'it shows as a debt on the system and cant be changed'

Apparently its all about the system...

Ive gone to the ombudsman who have said they will send a letter, but they still keep calling!!

I just want to be left alone and my credit rating sorted.

Is there anything anyone can suggest? As im getting to the stage now where im tempted to counter sue for harassment and detriment of character.

Thankyou

Im getting married next year and will be wanting to start a family and apply for a mortgage.

So i cannot afford to have this debt on my record.

1st STOP PHONING DCA'S!!

they will tell you anything to keep you being a cash cow.

me thinks freddies cash cowed you, then passed on the tip to triton

check your cra file too..

last tip

NEVER EVER pay a dca!!

they have no legal powers whatsoever

dx

They've probably duplicated the account within a router...... oddly enough I thought it was only RBS that did this but on inspection of a couple of HSBC deeds from 2003 it appears they weren't the only ones.

Triton are within the RBS group by the way

Whilst I couldn't/wouldn't advocate it, and only if inclined to do so, you could invite Triton to call the following to discuss the matter directly with RBoS: 07748 321 155 and 07826 917 362

I would write to the original creditor and insist they get these people off your back ?

Triton are inhouse and I often see that when an RBS or NatWest debt is sent to a DCA by the bank Triton are still trying to collect despite the fact DCA is collecting.

Triton are inhouse and I often see that when an RBS or NatWest debt is sent to a DCA by the bank Triton are still trying to collect despite the fact DCA is collecting.

Thanks for the advice everyone. I've sent a request to rbs telling them to sort it out or I'll take legal action. Should put them on their toes. Will report back

This just shows the total lack of communication in the RBS/NatWest organisation!!

Anyone got an Email addy for Triton?

Personally I would recommend recorded deliver snail mail for this!

Personally I would recommend recorded deliver snail mail for this!

I've requested the agreement by recorded delivery but their whingeing on they've heard from me. The RD should have been delivered by Friday but it's not shown as delivered, just when it was sent. I wanted to tell then I have replied asap.......but I ain't 'phoning.

It can take up to a week for the delivery confirmation to be posted on the RM website. Although I don't understand why when they use those hand held computer thingies for signatures.

IMHO, you can safely assume it has indeed been delivered if it has not been returned to you.

Cheers. I'll leave it then, they're getting on me threps anyway!