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Found 11 results

  1. My wife CCA'd the RBS regarding her credit card. They have sent back a copy of her application form (below) and a copy of a 7 page Credit Agreement. The copy of the credit agreement is unsigned (in fact there is nowhere on the agreement to sign) so I imagine if thats their best effort, the agreement is unenforcable. What do you think folks.
  2. Hi folks, having yet more "fun" with Natwest credit card, due to one thing and another I have not been able to make my payments for the last two months, I contacted Natwest and explained the situation and gave them outgoing and income figures over the phone, was then told they would send out an income and expenditure form for me to fill out and return which I have done with the same figures and also a covering letter as requested explaining my situation and making a repayment offer I think I could afford, which I did, today got a letter back from them saying the f
  3. I am trying to help a family member with a tough financial situation. She is an OAP and had a mastercard balance with Natwest which while still within limit ran into problems as she had quite a serious medical situation so lost track of things, I believe this was a long standing account and she still calls it her Access card. The balance is over 10k and was passed to Triton who are part of the same group. They are not professional and apply undue pressure to increase monthly paymenst even mentioning court even though no payments have been missed. Have Triton bought the debt for a fraction or
  4. I have been helping a friend of mine who has been struggling for a few years - just moral support ! Takes my mind off my problems. She has a Nat West bank account and has been paying Triton for several years and her debt with them is reducing gradually. Every so often they ring her and ask about her situation and she agrees a slight increase in the payment. She was unemployed from 2011 and has begun taking on self employed work as a temp since last September. In order to keep her finances straight she also has a savings account with another bank. She has today received a phon
  5. I am making financial arrangements with the RBS and they want to discuss my Incomings and Outgoings over the 'phone. I have previously done this but I feel a bit uncomfortable not having a record of my conversation; I do not have the means to record my end. I know I am within my rights to resort to postal communication only but is there a specific rule/law that I can refer to?
  6. I am fuming .. Three years ago I had a Triton Safeguard t100 care shower fitted into my disabled sons wet room .. With the recent hot weather he came to turn the temperature handle, and it did not work .. I got an electrician to remove the front cover and check why ... a very small ( about as big as a five pence) plastic splined 'D' shaped plastic part had split .. he said contact Triton .. get the part and he will fit it.. So .. I have just phoned Triton .. "Oh sorry we cannot supply that part .. you will have to buy the complete valve for ........................ £109 ..!! ..
  7. 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 spe
  8. Does anyone have an email address for Triton Debt Collection. It is a natwest credit card. They are looking for 690 odd quid but at least 250 is charges. They are nasty buggers on the phone and I would much rather email as If I have to complain to Ombudsman I have all the emails to send.
  9. Has anybody had any dealings with Wescot Credit Services I would be interested to about experiences you may have had and how best to deal with them. They seem to follow the same general way of most debt collectors " threaten first and the back off when you fight back". Regards Mike
  10. Good Morning, I have been using the templetes on here to chase Triton/RBS for a CCA request. To cut a long story short I though my old current account had been closed then about a year later got letters saying it was £500 pounds overdrawn in charges. I have been arguing ever since and thanks to CAG found the correct route. Now I recieved this letter Our Ref: CMSXXXXXXXXXX Triton/NAtwest/RBS Dear shirl944 Re: Request for copy of Credit Agreement under section 77 of the consumer Credit Act 1974 Account: XXXXXXXX We write with ref
  11. Hey guys, First of all, I'd like to thank all the people here who do a bang-up job of helping others with their issues. Unfortunately, it's now my turn to ask for help because while I think I understand the basics, I need some support with this issue. I've recently gotten a letter out of the blue from Triton Credit Services demanding that I pay them £450 immediately. They have not yet threatened court action, but they're robocalling me 3-4 times a day often at obscene hours (such as 7am all the way up to 8pm). This debt was originally a Natwest Student Credit Card. Like I said, this
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