:) :) HAPPY DAYS!!!!!! I bi-passed Triton and went straight back to RBOS her orginal creditor and explaine that she was being advised to default existing credit agreements to pay Triton more including her existing RBOS debt. They were not pleased with Triton and agreed to take her debt back on and have set her up on a monthly payment paln of £60pm. She is releaved and I have been asked to forward all evidence to RBOS for how Triton have acted, so hopefully the case may cause them some hassle. I would like to thank everyone for all there advice, it has proved invaluable of retaking control of her situation. She nevewr denied the debt was hers but the attitude of Triton was beyond reproch. I fully support the rest of you in your battle and it just goes to show that after 7 months of fighting you can get the outcome you want. again Thanks:D

I spoke to them on her behalf this morning and the guy I spoke to was rude in the extreme. Basically they say they won't accept her payments because they have the largest debt of her creditors and what they are being offered isn't fair pro rata. The problem we have is that her other creditors Royal Bank of Scotland and Lloydds are not in default or in the hands of a DCA she has kept up her payments on them and all is good. They want her to write to these companies and provide them with a financial statement and get them to take less money so they can have more......I thought this can't be legal so I got in touch with a solicitor ............. he said in the eyes of the law it doesn't matter wether it is good debt(ie that she has kept up) or bad debt ie what is owed to Triton etc. and that they are quite within their rights to ask her to ask these creditors to ask for less money???? This seems ludicrous get in more debt to get out, to be honest he sounded a bit of a pratt, he suggested trying to up her payments asap to get it paid off This is madness.. I REALLY REALLY NEED SOME HELP TO GET THESE PEOPLE TO SEE SENSE!! She doesn't want to go to court and get declared bankrupt but I can't see why they are pursuing this so vigorsly, why not just take the regular payments......please someone show us a way out of this mare!!!

do you know where I can find an example of a cca letter

also we never asked for the orginal credit agreement and I have seen this over every thread, so I am guessing it's important. As this has been going on since Oct'06 is it now to late to request this????

Hi Guys You may recall my little sis had issues with these animals and they refused to take her payment of £50pm which she raised to £60pm before we took some advice on here. I thought things were all sorted she has been paying her £60pcm and has sent in a budget sheet showing her weekly disposable income and also showing what she is paying any other creditors. she dug her heels in and said she couldn't afford to pay more and I even got her to use one of the letters on here saying she will ask the court to take into account the fact they won't accept her consistant offers. Today she got a letter saying after consideration her offer to pay £60 is unacceptable and in accordance with the clients instructions she must pay £308.73pcm (which would nicely pay the debt off in 12 months) and that it must be paid by the 16th. I really fed up off their bullying tactics, obviously she can't pay £308pcm and they know it. So as Alan kept telling me I'm getting her to take control. It states in the letter it is important that she telephones the office, despite having written two letters asking for all correspondence to be in writing. So I want her to write back and say why did I bother to provide you with a financial breakdown if you were just gong to ignore it etc etc and wanted to know if anyone had any ideas. Also she should be paying her £60 around now should she continue to do so, obviously this will mean a call to their office.

Just to give an update: After sending multiple letters they accepted a monthly payment of £60pm, they started calling again after 3 months saying it now needed to be reviewed and asked for a budget sheet. We sent one and are awaiting there reply, despite stating in all letters that we want correspondence to be in writing they continue to call. My sis has got a lot tougher with them and has found this thread really helpful, to the point I only get called once a week or so. I would like to thank all who offered help, it was gratefully received. I wouldn't hesitate to use or recommend this site to others. Cheers Dave aka Mav

How do you do that? I have told her to say this is all I can afford but they keep turning her down and understandably she doesn't want a CCJ against her. Is it better to get her to write a letter to them and be proactive?

Okay guys, Thanks for all your help but this has now gone a step further and I've even had to get involved. Sarah called up and paid £50 by debit card to show willing and was advised by the operator she would recieve another letter in 7 days. The letter duely came and said she needed to call to make a reasonable repayment plan. She did now offering £60 as she is scared stupid of going to court, they said the minimum they could accept was now £450. She explained that this was ludicrous and she was advised it wouuld have to go to the lefal dept then. Another week and another letter, advising of a notice of legal proceedings. She called them whilst I was present and they offered a new repayment plan of £270pm again madness. My sister is now contemplating getting a high finance loan out with Black horse to pay them off. As they say they will now instruct their solicitors to write to her and advise her of a court date????? Why won't they accept a reasonable repayment plan? and as she is no longer recieving statements how can she check if they are adding charges. The way these companies work is dispicable, I tried to speak with them but they said they would only deal with the account holder. HOW DO YOU GET THEM TO SEE SENSE???????Is there anything legal she could threaten them with????

Okay guys, Thanks for all your help but this has now gone a step further and I've even had to get involved. Sarah called up and paid £50 by debit card to show willing and was advised by the operator she would recieve another letter in 7 days. The letter duely came and said she needed to call to make a reasonable repayment plan. She did now offering £60 as she is scared stupid of going to court, they said the minimum they could accept was now £450. She explained that this was ludicrous and she was advised it wouuld have to go to the lefal dept then. Another week and another letter, advising of a notice of legal proceedings. She called them whilst I was present and they offered a new repayment plan of £270pm again madness. My sister is now contemplating getting a high finance loan out with Black horse to pay them off. As they say they will now instruct their solicitors to write to her and advise her of a court date????? Why won't they accept a reasonable repayment plan? and as she is no longer recieving statements how can she check if they are adding charges. The way these companies work is dispicable, I tried to speak with them but they said they would only deal with the account holder. HOW DO YOU GET THEM TO SEE SENSE???????

Hi Guys My Sisters was at Uni and ran up a credit card debt of about £4k, she made a payment plan to repay at £30pm to the card company but fell behind and the account got passed to Triton Credit Services. She now has a job and doesn't want to have her credit rating damanged. However, and this is what I don't understand when she contacted them to set up a payment plan on a standing order, they said they could only accept the following. 1. repayment in full 2. six monthly payments of £692. The poor girl is now freaking out as neither option is viable. She is worried about being taken to court (which is what they are threatning) as it would permenantly damage her credit rating at such a young age. Why won't they accept a payment plan? is it because she didn't keep up her payments? She has offered to repay at £50pm which is more than they would get in court so I don't understand their problem, If anyone can shed any light on this I'd be grateful as I don't have a clue but it appears really heavy handed????