RBS Mint Mrs P V MINT

[The GodMother]

As above and threaten them with the oft if they dont accept you cant pay more.

[phatram]

 

NO !

[The GodMother]

Remind triton credit services of the OFT guidelines on debt recovery namely the section in regards to how creditors want to be contacted and advise them that asking you to call them to discuss payment goes against those guidelines and that unless they are willing to deal with everything in writing then you will be forced to complain in writing to the OFT about them.

 

2.2g is what you want.

[The GodMother]

Also you may want to advise them that the repayment is not up for discussing you can only afford to pay XX a month and that is what you will be paying. Remind them that is they was to take further action the courts will more than likely award them less.

[phatram]

Triton are still pestering me to pay more than £50/month but i'm not too worried about that. What I am worried about is that they refuse point blank to supply me with a statement of account so I have no idea of balance etc. Triton say I must contact Mint and Mint say I must contact Triton. Any ideas?

[The GodMother]

oh the cca 2006 states that once a year they have to supply you with that. Also the OFT guidelines on debt collection says they have to provide you with therequired information.

 

Write to them reminding them that and advise them that unkess you have that info withing 28 days then you will be making a formal complaint to the OFT in regards to this and seeking legal advise.

[phatram]

Been paying agreed amount monthly and then today a letter arrives asking for the full amount of over £3000 to be paid within 14 days!

This to me is harrassment and they should be stopped from doing this sort of thing. ****

[PriorityOne]

Keep paying and ignore.... it's probably computer-generated because companies don't like token payments and like to try and speed things up every now and then.

[phatram]

Received letter from Triton confirming my raised instalment of £60/month (£50 previously) for a 3 month period "in the expectation that you will be in a position by that time to settle your outstanding account in full". I was pressurised on the phone to up my payment from £50 to £60 (affordable) but no mention was made about settlement in 3 months! What should I do about this, please?

[PriorityOne]

Nothing.... ignore it.... and if you can't afford the increased payment, reduce it back down to a level you can afford and let them know in a rec. delivery letter. Have nothing to do with them on the 'phone after that or they'll get you to believe all sorts.

[phatram]

Today,

[PriorityOne]

Stupid b*ggers....

[phatram]

Sent the following,

 

Dear Sirs,

Thank you for your letter dated 22 March 2011 the contents of which are noted.

I would like to reiterate my previous request to you that all future correspondence must be in writing, for this reason I shall not be phoning you to discuss my account or repayments.

I have been in touch with National Debtline and have been advised to remind you of the following;

Office of Fair Trading Debt Collection Guidance

“Putting pressure on debtors or third parties is considered to be oppressive.”

This includes:

· contacting you too frequently;

· pressuring you to pay in full or in large installments you cannot afford;

· making threatening gestures or statements;

“Dealings with debtors are not to be deceitful and/or unfair.”

· not accepting reasonable offers or passing on payments you make;

“It is unfair to communicate, in whatever form, with consumers in an unclear, inaccurate or misleading manner.”

This includes:

· letters that look like court claims;

· not making it clear who the company is or what their role is;

· unhelpful legal language;

· not giving balance statements about the debt when asked;

· contacting you at unreasonable times even when asked not to;

· asking you to contact them on premium rate phone numbers.

As you can see from the above, you are in breach of the OFT guidelines on debt collection. Creditors should not be doing any of the above, and you are guilty on numerous counts.

I will continue to pay £60 per month until the debt is cleared. I have requested a balance statement from yourselves on numerous occasions, which has been refused – I am again requesting that you send a balance statement to me. A failure to comply with my request will result in me reporting you to the OFT.

I trust this is to your satisfaction, and remain,

Yours faithfully,

[car2403]

Threatogram

 

The more you reply, the more they will send you rubbish...

 

State your case once, give threats of harrassment claims on the next contact, then sue them for the same.

 

If you don't, this will continue.

[phatram]

[car2403]

As I predicted

[phatram]

How do I start the ball rolling to sue them for harrassment?

[The GodMother]

First you have to write to them 3 times. 1st time its to ask them to stop harrassing you, second time its to demand they stop harrassing you, third time its to say they either stop or u will be prossecuting them.

 

Have they had the 3 letters if so its time to fill out your claim form.

[phatram]

They've definitely had two probably more but I can only prove two.

[The GodMother]

I would send a letter advising that they are no longer allow to ask u for more money as you have made very clear on more than one occassion u cant afford to and if they do send u another letter asking for more money then u will be suing them for harrassement and breech of OFT GUIDELINES.

 

I cant remember exactually which one but there is a guideline about upping payments when they have been told there is no money or they know the debtor cant.

[phatram]

[phatram]

My wife has been paying £60 a month and not missed any payments.

[phatram]

 

[phatram]

I have told them I'm a self employed foster carer and I don't get wages as such but they still harrass me for more money. [edit]

Edited September 15, 2011 by dx100uk
dx

[car2403]

Why are you still giving them time of day? Pay what you can afford - you've demonstrated that is sufficient more than enough.

 

I hate to say it, but I told you so...

 

Threatogram

 

The more you reply, the more they will send you rubbish...

 

State your case once, give threats of harrassment claims on the next contact, then sue them for the same.

 

If you don't, this will continue.

 

As I predicted

 

Interesting wording in the complaint response - "We" (as in process) but "I" (as in my work) meaning that anyone else dealing with future complaints can simply say the last person got it wrong.

 

This is harassment, but continuing to feed them by responding in a 'common sense' fashion and not dealing with it effectively isn't going to get you anywhere with their approach.

 

They want you to pay more to stop this action, but that's just perpetual as it will all start over again if you do.

 

Be strong...

 

At the very least, please read this:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?307385-CPUTR-2008-questions-and-advice