Hi guys. I reacieved a letter from Bank smart about a claim for unfair bank charges, I had completly forgotten I had even delt with this company as it was a fair few years ago that I asked them to look into my case (wish i knew back then what I know now and just done it myself) I havent heard a peep from this company now for well over a year atleast!. The letter they have sent me this morning starts by saying... "we have completed our pre-legal process in an attempt to settle the above claim, although we have had great success in settling personal account claims prior to legal action in this specific case it has been possible. We believe the only way to settle the claim is for the issue of court proceedings against your bank." The letter then goes on about the oft and lord philips etc... and also regulation 5 of the consumer contracts regulation 1999. It finishes saying for a fee of £150 plus vat £180 total they will proceed with legel action. there is also a payment form with 3 options.... 1- pay the 180 and prepair my file for solicitors to issue legal proceedings 2- keep my claim on hold 3- cancel my claim for which I will be invoiced ( it was no win no fee when I signed up im sure of it) Any advise would be great, is it worth the £180?? could I still do it myself? and why do i have to pay to cancel when it was no win no fee?? Cheers

I rang cm uk today for an update.. and have been told it will be 12-26 weeks untill everything is sorted

Should I pay Triton or mint then? or is it upto mint now as they have told me that the "debt has been sold" or should I just send these letters and go from there?

BUMP anymore advise?

Thanks

This is the letter I had today from triton... Dear MR xyz The Royal Bank Of Scotland plc has placed your account with us for immediate collection. We have been appionted on their behalf and to avoid further action you are requested to foward a cheque for the full amount by return tho the address quoted above. This should be made payable to Triton Credit Services ensuring that your reference number is printed on the reverse. Alternataively, payment can be made by contacting this office on ....... and using a debit/credit card. If for any reason you are unable to make this payment by return, you must telephone this office immediatly. YOur sincerley Triton credit services how do I send a CCA request and how would I word a a/c dispute letter...sorry but I have no idea.

Hi This morning I recieved two letters..1 from MINT dated 12th June and one from Triton dated 17th.. The mint letter advised me that I owed £107 for two missed payments and that I should call asap to pay of and get the account upto date.. The letter from triton was re the same mint account and they are demanding the full outstanding balance or £2382 21 I rang Mint as soon as I opened the letter to pay of the £107 but they would not accept as they say the debt has been sold to triton and that triton have registered a default against my credit file!! . I asked them why they had sold the account as I was under the inpression that I was on a payment plan with mint to stop this exact thing from happening. This was set up in may! and I was told that £50 would be taken from my debt card every 7th of the month. According to mint no such aggrement had been put in place and I should of rang and payed the £50 every 7th of the month. I also rang triton and they demanded the full amount or 6 monthly payments to clear the balance. Obviously I cannot afford to pay this in full and offered them £150 a month but they refused. Also to make thinga a bit more complicated.... I Payed a company £275 back in jan/feb this year who said they could clear my cards of in 28days (mint,virgin,aa) and this I feel is a [problem]! I started another thread about this on these boards and can be found http://www.consumeractiongroup.co.uk/forum/legal-issues/194270-tate-lloyd-claims-management.html I am lost as to were to go from now as now I have this default I would not be able to credit for 6yrs! is there anyway to get this removed?? Any advice would be great!!

When CMUK rang me today, they did say Legal Redress Ltd was a in house company and that I could ring CMUK anytime for a update on my claim as they will have everything on the same computer files now. So fingers crossed something might happen now. It's a long shot though!!!!!!

I had a phone call out of the blue from CMUK this afternoon regarding my claim.. They told me that Tate-lloyd would be getting no further work from them and gave me the option of having my claim given to another company called Legal Redress. This would be done at no cost to me and they would send the paper work out to me 1st class today... they were very appologectic about the whole situation and basicly told me that tate-lloyd had handled everything extreamly badly and that they just couldnt handle the amount of clients that CMUK introduced to them.. and once again told me that they would be sending no more clients to them.. I have contacted my creditors and set up re-payment plans with them all so I am just going to continue with those and see what happens with Legal Redress..

My perants are unaware of my debt...if I am blacklisted will my perants house be blacklisted also as I live there? Also I have found out today that Tate-Llyod have not passed on my affidavids to my creditors even though they have had these since march 10th.... so my debts have not been is dispute....!! I was told by Tate-Lloyd they were and to stop paying the money!! so since march my credit file has been getting worse and worse!!

I have found these to be very good with contact lately!!

Have you been paying any money to your creditors?

HOw do you know this? I would love to know why!!

Has she forwarded any letters onto you yet?

They rang me today and didnt withhold there number and have been assured the affidavids have been sent etc... although my creditors havent responded yet!!