Jump to content


  • Tweets

  • Posts

    • Thank-you dx, What you have written is certainly helpful to my understanding. The only thing I would say, what I found to be most worrying and led me to start this discussion is, I believe the judge did not merely admonish the defendant in the case in question, but used that point to dismiss the case in the claimants favour. To me, and I don't have your experience or knowledge, that is somewhat troubling. Again, the caveat being that we don't know exactly what went on but I think we can infer the reason for the judgement. Thank-you for your feedback. EDIT: I guess that the case I refer to is only one case and it may never happen again and the strategy not to appeal is still the best strategy even in this event, but I really did find the outcome of that case, not only extremely annoying but also worrying. Let's hope other judges are not quite so narrow minded and don't get fixated on one particular issue as FTMDave alluded to.
    • Indians, traditionally known as avid savers, are now stashing away less money and borrowing more.View the full article
    • the claimant in their WS can refer to whatever previous CC judgements they like, as we do in our WS's, but CC judgements do not set a legal precedence. however, they do often refer to judgements like Bevis, those cases do created a precedence as they were court of appeal rulings. as for if the defendant, prior to the raising of a claim, dobbed themselves in as the driver in writing during any appeal to the PPC, i don't think we've seen one case whereby the claimant referred to such in their WS.. ?? but they certainly typically include said appeal letters in their exhibits. i certainly dont think it's a good idea to 'remind' them of such at the defence stage, even if the defendant did admit such in a written appeal. i would further go as far to say, that could be even more damaging to the whole case than a judge admonishing a defendant for not appealing to the PPC in the 1st place. it sort of blows the defendant out the water before the judge reads anything else. dx  
    • Hi LFI, Your knowledge in this area is greater than I could possibly hope to have and as such I appreciate your feedback. I'm not sure that I agree the reason why a barrister would say that, only to get new customers, I'm sure he must have had professional experience in this area that qualifies him to make that point. 🙂 In your point 1 you mention: 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver. I understand the point you are making but I was referring to when the keeper is also the driver and admits it later and only in this circumstance, but I understand what you are saying. I take on board the issues you raise in point 2. Is it possible that a PPC (claimant) could refer back to the case above as proof that the motorist should have appealed, like they refer back to other cases? Thanks once again for the feedback.
    • Well barristers would say that in the hope that motorists would go to them for advice -obviously paid advice.  The problem with appealing is at least twofold. 1] there is a real danger that some part of the appeal will point out that the person appealing [the keeper ] is also the driver.  And in a lot of cases the last thing the keeper wants when they are also the driver is that the parking company knows that. It makes it so much easier for them as the majority  of Judges do not accept that the keeper and the driver are the same person for obvious reasons. Often they are not the same person especially when it is a family car where the husband, wife and children are all insured to drive the same car. On top of that  just about every person who has a valid insurance policy is able to drive another person's vehicle. So there are many possibilities and it should be up to the parking company to prove it to some extent.  Most parking company's do not accept appeals under virtually any circumstances. But insist that you carry on and appeal to their so called impartial jury who are often anything but impartial. By turning down that second appeal, many motorists pay up because they don't know enough about PoFA to argue with those decisions which brings us to the second problem. 2] the major parking companies are mostly unscrupulous, lying cheating scrotes. So when you appeal and your reasons look as if they would have merit in Court, they then go about  concocting a Witness Statement to debunk that challenge. We feel that by leaving what we think are the strongest arguments to our Member's Witness Statements, it leaves insufficient time to be thwarted with their lies etc. And when the motorists defence is good enough to win, it should win regardless of when it is first produced.   
  • Recommended Topics

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like
  • Recommended Topics

Triton Credit insisting on increased repayments on very old debt


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5452 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Back in 1994 I had a bank account with Natwest on which I had an overdraft, I got into a bit of trouble financially & the bank asked me to take out a consolidation loan which I did.

 

Unfortunately a couple of months after I took this loan out I was made redundant & could not afford the repayments. I wrote to the bak several times asking them to freeze the interest until I returned to work but they refused and kept on adding interest, eventually the debt was transferred to their debt recovery department & in June 1996 I started to make small repayments of £20 a month they finally froze the interest in June 1997 by which time the debt was £6867.81,(I had managed to pay £260 since June 1996) I then started to pay £30.00 a month until the begining of 2000 when I asked for an up to date statement of account and some further information regarding the interest charged.

 

They stated that they we unable to locate a copy of the loan agreement form at that time but they had recreated my position and they said I had borrowed £3582 at a rate of 29.5% (I can't recall how much the loan was for) - I resumed payments & increased them to £35 & then £40 a couple of years ago but have always refused to increase the payments further.

 

This week I have received a letter from Triton Credit Services stating the balance is now £2232.81 and they want either full repayments or a substantial increase in the level of repayments or they will instruct solicitors who will get a charging order/inhibition against assests or a bankcruptcy order but I have not missed a single payment in 8 years.

 

Now the loan was taken out in my maiden name which is how they still address the letters but I do own a house (with a small mortgage) in my own right in my married name.

 

I don't really want to increase the repayments by much as if they had frozen the interest when asked I would have cleared the debt some time ago. What is the best approach to take with this?

 

Thanks in advance for any help

Link to post
Share on other sites

Tell TCS to get lost..they have no legal powers to dictate what you must pay - report them to the OFT & trading standards.

Charging orders can easily be set aside & are nothing to worry about unless you actually sell the house.

You have the power to say what you will pay & when, so if thats a £1 per month then thats what they must accept or else go to a county court.

I would consider reporting Nat West to the FO as well ;)

Link to post
Share on other sites

Ask Tinitron for a copy of the credit agreement. You already know the bank don't have one but if you ask formally and when they cannot send one you can place the account in dispute and don't have to pay another penny.

 

Creditors and DCAs - Letter Templates & Budget Planner

 

Scroll down to Letter "N". Enclose a £1 postal order, print, don't sign your name, and send by recorded delivery so you have proof of receipt.

Link to post
Share on other sites

Ask Tinitron for a copy of the credit agreement. You already know the bank don't have one but if you ask formally and when they cannot send one you can place the account in dispute and don't have to pay another penny.

 

Creditors and DCAs - Letter Templates & Budget Planner

 

Scroll down to Letter "N". Enclose a £1 postal order, print, don't sign your name, and send by recorded delivery so you have proof of receipt.

 

should I sign it with my maiden name as that is what they have used

Link to post
Share on other sites

i would love to hear how this one pans out... it will teach them not to be gready as you were paying the unenforcable debt off happily but when they dont supply the credit agreement bang stop paying.

Link to post
Share on other sites

Sheer greed from triton credit services goes along with their heavy handed tactics

 

don't worry about there solicitors, Green & Co another fictitious solicitors firm which doesn't exist if you get letter from them, check the envelope it would of come from triton credit services

Link to post
Share on other sites

  • 2 weeks later...

I have today received a letter from them it does not acknowledge my request for a copy of the agreement instead it is a standard letter basically saying "we are pleased to have come to a temporary agreement with you and wish to confirm the terms of the arrangment to cover the next 6 payments"

 

what should my next move be?

Link to post
Share on other sites

You might as well shoot off the 'In Dispute' letter at them;

 

Account In Dispute

 

Ref:

 

 

 

Dear Sir/Madam

 

 

 

Thank you for your letter of xx/xx/xx, the contents of which have been noted.

 

You have failed to respond to my legal request to supply me a true copy of the original Consumer Credit Agreement for the above account.

On **DATE** I made a formal request for a true signed agreement for the alleged account under consumer credit Act 1974 s77/8. A copy of which is enclosed for your perusal and ease of reference.

 

You have failed to comply with my request, and as such the account entered default on **DATE**.(12+2 days after you sent the CCA request)

The document that you are obliged to send me is a true copy of the executed agreement that contained all of the prescribed terms, all other required terms and statutory notices and was signed by both your company and myself as defined in section 61(1) of CCA 74 and subsequent Statutory Instruments. If the executed agreement contained any reference to any other document, you are also obliged to send me a copy of that document.In addition a full statement of this account should have been sent to me detailing all debits and credits to the account.

 

Furthermore;

 

You are aware that the Consumer Credit Act allows 12 working days for a request for a true copy of a credit agreement to be carried out before your client enters into a default situation. This limit has expired

 

As you are no doubt aware section 77(6) states:

 

If the creditor fails to comply with Subsection (1)(a) He is not entitled , while the default continues, to enforce the agreement.Therefore this account has become unenforceable at law.

 

As you have Failed to comply with a lawful request for a true, signed copy of the said agreement and other relevant documents mentioned in it, Failed to send a full statement of the account and Failed to provide any of the documentation requested, any legal action you pursue will be averred as both UNLAWFUL and VEXATIOUS. Furthermore I shall counterclaim that any such action constitutes unlawful harassment.

 

Please note you may also consider this letter as a statutory notice under section 10 of the Data Protection Act to cease processing any data in relation to this account with immediate effect. This means you must remove all information regarding this account from your own internal records and from my records with any credit reference agencies.

 

Should you refuse to comply, you must within 21 days provide me with a detailed breakdown of your reasoning behind continuing to process my data. It is not sufficient to simply state that you have a ‘legal right’; You must outline your reasoning in this matter and state upon which legislation this reasoning depends. Should you not respond within 21 days I expect that this means you agree to remove all such data.

 

Furthermore you should be aware that a creditor is not permitted to take ANY action against an account whilst it remains in dispute.

The lack of a credit agreement is a very clear dispute and as such the following applies.

 

* You may not demand any payment on the account, nor am I obliged to offer any payment to you.

* You may not add further interest or any charges to the account.

* You may not pass the account to a third party.

* You may not register any information in respect of the account with any credit reference agency.

* You may not issue a default notice related to the account.

 

I reserve the right to report your actions to any such regulatory authorities as I see fit. You have 21 days from receiving this letter to contact me with your intentions to resolve this matter which is now a formal complaint. I therefore request a copy of your official complaints procedure which you are obliged to supply.

I would appreciate your due diligence in this matter.

I look forward to hearing from you in writing.

 

 

Yours faithfully,

Link to post
Share on other sites

They are in default of your CCA request. Tell them that no further payment will be forthcoming until they fulfill their duties under the CCA 1974 to provide you with a true copy of a properly executed agreement - and send that to their complaints department at the address you have for them, adding that you have sent a copy of their first letter to the Office of Fair Trading as it made threats of legal action which is unlikely to take place. If you haven't already done so, send a copy of the first letter to the OFT.

Link to post
Share on other sites

Is that 12 working days or just 12 days I sent the letter on the 24th April - their letter is dated 29th April - they have send be a "bank statement" showing the last 6 months worth of payments

Link to post
Share on other sites

they have send be a "bank statement" showing the last 6 months worth of payments

 

That's thoughtful of them, you can now see how much they have been screwing you for over a six month period.

 

Triton are a joke.

 

When your request times out, Account in Dispute letter and stop paying them.

 

David

Link to post
Share on other sites

That's thoughtful of them, you can now see how much they have been screwing you for over a six month period.

 

Triton are a joke.

 

When your request times out, Account in Dispute letter and stop paying them.

 

David

 

I've noticed one the bottom of the statement it actually says "Do Not Send"

Link to post
Share on other sites

An update - I didn't get a chance to do the letter suggested this week as I've been up to my eyes & this morning I've received a letter from NatWest saying they can't find the loan agreement and although they appreciate they won't be able to enforce repayments the loan remains valid and any continuing defaults will be reported to Credit Reference Agencies (I will scan a copy of the letter on Monday) - is my course of action the same - send the letter above & stop any repayments

Link to post
Share on other sites

Right - attached is the Letter I've received from Natwest (hope the copy is ok)

Do I send the Account is Dispute letter and stop payments

 

 

That's what I would do.

 

Make sure you keep that letter.

 

For "misfiled", read lost. That letter in response to you request would cause very severe problems for them should they try to "recreate", (as they put it), the agreement in the future.

 

David

Link to post
Share on other sites

They live in a dream world all of their very own. In one paragraph the admit they cannot take further enforcement action, then in the last paragraph they state that if you don't contact them recovery action may recommence. :rolleyes:

 

2u7t9g1.gif

 

Make a complaint to your local trading standards & the OFT with regards to their harassment and threats, they are in clear breach of OFT guidelines & CPUT;

 

Debt collection guidance - Final guidance on unfair business practices - oft664

 

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/DebtCollectionComplaintForm.DOC

 

The Office of Fair Trading: Contact us

 

[email protected]

 

The Office of Fair Trading: Debt collection practices

 

tel: 020 7211 5823

Link to post
Share on other sites

Goodbye to them - put your feet up and have a nice cup of tea. Remember to report them to the OFT for pursuing you for an alleged debt that had no agreement - it will benefit everyone, especially those who haven't yet found CAG.

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...