Hi Everyone. I am having a heart attack as we speak! My business went into insolvency in 2008. I owed 18k in an overdraft to RBS. We had 9k in a payment for maternity pay from the tax man. I duely paid that into the overdraft. Owing 9k. We had a few letters from RBS about making regular payments to clear the loan which we did and have done so for 3 years. We have had one letter from Triton in june 2009 in my husbands name requesting we carry on the short term repayment plan for 6 months then a new one would be set up. We have never heard anything since. We have been paying every month. I took up the quest of sorting out the payments and maybe pay the last bit off completely. I couldnt talk to anyone as it was in my husbands name. He tried a few times but was on hold for ages each time. No one knew of our account. It had gone to some other dept. we have requested a statement a few times..you then give up and go on with your life having 4 children!) I spoke to my bank manager (at RBS) who had no idea who Triton were. He had someone ring them and they were really awkward with his staff. My husband has rung a few more times and finally we have an account statement.......OMG!! The intial amount is correct as far as I can see but the 9k we paid in from the tax man is not there and we have all sorts of figures and numbers I just do not understand and we still owe 14k!!!!! After reading your pages I am filled with dread. Also the debt account letter is from NATWEST?? It is also addressed to me in my maiden name and not my husbands?????? PLEEEASE HELP. I JUST DON'T KNOW WHERE TO START AND THEY WON'T TALK TO ME AS MY NAME ONLY APPEARS ON SOME LETTERS BUT NOT ON ANY OTHERS???! Someone at Triton told me as she couldn't see my account to stop paying. I want to pay the debt but not any fines etc. I feel like I am having heart failure over this. Hubby works abroad a lot so I can only deal with this when he is home. Its in such a muddle and I feel betrayed by my bank manager and bank which I have been with for many years...not much longer though. As they have not been ringing me or threatening me and I have been the one to ring them I want to get the legal situation sorted so I am ahead of the game as it were. I am going on holiday wednesday and this has ruined it for me.. Any help will be greatly recieved.