Need Advice re DCA / Triton

[jtjrog05]

Hi,

 

First time user. Can anyone advise what the difference is between passing on or selling on debt to DCA?

 

Should the credit card company know the full details of the DCA they have passed the debt to recover? Who should the debt be actually repayed to?

 

Has anyone had any current dealings with Natwest / Triton

 

Hope for advice!!!!!!:-?

[dx100uk]

no they wont know in some cases.

how old is this debt?

if it is old it might have been sold off

if not they are just acting as agents.

 

give us some more info?

how old is it?

are you disputing it?

 

etc

 

dx100uk

[jtjrog05]

It is only from Dec 07, Natwest card services informed me it wasn't sold to Triton.

Should I dispute it?

[dx100uk]

Triton is the in-house collections department of the Royal Bank of Scotland plc [RBS] whose credit card department trade as MINT. In addition, triton also handle debts from Nat West (now that its part of RBS).

 

so are you behind with payments etc?

 

 

dx100uk

[jtjrog05]

Got them up to date last week, but Natwest cards said I would have to deal with Triton

 

jtjrog05

[Docman]

Did Natwest send you a default notice under the consumer credit act either before or after they sent the account to Triton?

[jtjrog05]

I think so, but was still receiving monthly statements from card services as in normal way asking for payments as usual.

[Docman]

They will continue with the statements until they sell the account to someone else or they formally terminate the account.

 

The default notice should state the nature of the breach. Have you now complied with it? If you complied within the time set, the account should return to normal. now.

[FinancialNinja]

This is an interesting one!! The same thing happened to me, i fell behind with payments then made a lump sum payment to get the account back to normal. However once they had the lump sum payment they refused to deal with me.

 

Then I found the CAG site and promptly sent Triton a CCA.

 

If your account returns to normal then great, but whichever way it goes you will be sure to get great advice and help on here!!

 

Good luck!!

[jtjrog05]

Thanks for the advice. I will be sending off to them tomorrow CCA requests, with the £1 postal order, and using the template I found on CAG.

 

Can I confirm I send to Triton and not Natwest card services?

[Docman]

Thanks for the advice. I will be sending off to them tomorrow CCA requests, with the £1 postal order, and using the template I found on CAG.

 

Can I confirm I send to Triton and not NatWest card services?

 

 

Triton are obliged to tell NatWest as theri principal. Further, as they are both in the same RBS group, it really doesn't matter. The CCA will be effective if you send the fee.

[jtjrog05]

what do you recommend for signing off the letter or should I leave it blank?

[FinancialNinja]

DO NOT sign the letter, instead get a digital signature or just change the font in word and sign it that way.