Hi Everyone ... my first post, but many to come as I take on Barclays and the Royal Bank of scotland ... First question is Triton Credit card Services part of the Royal Bank of Scotland or A credit collection company

Try Companies House Website Companies House . Don't know about RBS but know HBOS have at least 150 companies under their belt.

Thanks Tide .. I will take a look

When yo look at this on yhe net it comes up with the following: -

ATM Machines - Credit Card Processing Services

Cheers, Tide

Triton Credit Services is a Debt Collection Agency who work for Royal Bank of Scotland.

I've had them after me once, with regards to a debt with Style Financial Services Limited, who are part of Royal Bank of Scotland.

Mine's a real photo too, I'm only blue cos sombody turned the temperature down in the pool - is this wise? BTW Teeth are all my own

Well folks watch this space I have sent the letter asking for a copy of three credit agreements so the 12 day clock is ticking ...

13 December... Recieved a letter with copy of a RBS ADVANTA (Mint)agreement it does not have a signature box for them to sign but has been stamped with a ordinary ink stamp " On behalf of RBS ADVANTA 27 Jan 1998" and a couple of initials underneath. This could have been done yesterday for all I know.... does anyone else have the same kind of authorisation stamp.

The second account

In the same letter Triton say " Unfortunatlely our client has been unable to to locate a copy of the original Credit Agreement, for the Royal Bankof Scotland account" I am correct in thinking that they cannot now recover monies on theis account or take it to the county court?

I was contacted by Triton on behalf of RBS about 6 months ago and arranged a payment plan of £80 a month, which was fine. Now they have called me again saying that this was only temporary and I now need to pay £210 a month, which I cant really afford. Firstly, I was never advised that the £80 a month was a temporary plan and second, how far do you think the bullying will go before they take any court action?? The guys that call do not want to take no for an answer and are threatening court action, even though I know if it goes that far they wont get anything like £210 a month out of me!!!

I agreed a £85 a month payment plan with triton yet every week they ring me asking for the next payment, threatening me with court actoin if i dont pay......

has any1 else had this problem with them?

Hi ssj3baker,

Further to my conversations with Triton, I eventually told them I would cancel the standing order and that they could just pass it over to their legal team if the bullying was going to continue. They instantly changed their tune and we arranged a more suitable amount to pay. I told them that I wanted the arrangment in writing before I would pay the next installment. They were nothing but helpful after that. It appears that tough love works with them. But we shall see what happens when this 6 month arrangment is up!!

Complete newbie to these forums but joined after looking at some of the chatter about Triton. I received a letter from them after a long standing dispute with Natwest. I was dreading contacting them last week after reading about other experiences but the first person I spoke to seemed quite pleasant (more so than the draconian staff at the Natwest Collections dept). After that initial contact I've received calls from Triton every day, starting off with the 'worst case scenario' threats but I think they do change their tune if you make it known that they aren't scaring you and you are more informed than their average victim. To be honest, I feel that rather than try and negotiate reduced payments with them it would be better if they did pass the debt on to someone else.

I got a call from Triton in work today, and the person introduced themselves as being from 'Natwest'. After challenging him he corrected himself and said he was calling from Triton, but he seemed to be unsure as to who he was acting on behalf of and what he was doing. When I said I'd fax my Financial Outgoings and Creditors list the number I was given was in fact, the fax number for Natwest Collections. Weird huh?

Triton was original owned by Nat West, but obviously was absorbed into the group when RBS took over.

As with all these things, DCAs attempt to exploit a persons lack of knowledge.

I am very surprised that they phoned one of the respondents to this post at work, if you express a desire not to be phoned at work they shouldn't be calling you there - to do so breaks "OFT Debt Collections guidance on unfair practices" and would be sufficient cause for complaint - obviously letting Triton know that you are complaining.

Likewise if a DCA phones you when you have come to an arrangement with your creditor to request an immediate increase in that arrangement, full payment, or payment in advance of your normal date again that breaches the OFT guidance.

A lot of DCAs are cowboys and often make threats they have no intention of carrying out, threatening legal action with no intention to carry it out is also a breach of OFT guidelines.

OFT website with contact details to submit complaint:

http://www.oft.gov.uk/contactus

OFT Debt Collection Guidance on unfair practices, very handy to familiarise yourself with:

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

hi, I have read these posts and feel I would like to comment. I have been contacted by Triton regarding my RBs account. I have missed one payment, through no fault of my own, and they said they'd pass it onto their legal team? any advice?

They are evil

I have letters from Triton Credit Services, PO Box 183, Telford. These clearly state that it is a registered business name of The Royal Bank Of Scotland. Registered in Scotland No 90312.

I too have spoken with unpleasant people there. A few years ago I had to close a small company and had given a personal guarantee for the overdraft with Natwest. This was about 13000 in 2003 and I have been paying 150 a month on a standing order with no problems except that every few months Triton write to me demanding Urgent Action and refer to the "short term agreement" that now needs review. This has always resulted in me continuing to pay 150 per month. Last September they told me the amount outstanding was 9000. I wrote and asked for a full account. How was it arrived at and how my payments have been applied. No reply. I called and was told no letter received. I recently received another letter to tell me the amount had increased by over a 1000. So I wrote again recorded delivery and sent the letter by fax. No reply, so I call and an extremely rude girl tells me that no letters have been received and that in any case they cannot give account details other than the total amount outstanding. This has to be ridiculous.

My own bank - still the Natwest - seem to know nothing about it. I suspect there is a way to bring these people to heel and I now have the time and inclination to find it.

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