triton credit services/ RBS

[aquatandrep]

Can anyone offer advice on the next step to take, last week I received a letter from Triton Credit Services, stating that I needed to contact them as my outstanding credit card balance had been transferred to them for collection as I had missed the last months payment (£160) on my RBS Mint card, I contacted Triton and was greeted by an obnoxious lout on the other end who stated that I had to repay all of the 10,000 that I owed, or as a minimum he would accept payments over 6 months. I responded by saying I could only afford to keep paying the £160 a month. He then said tough luck as it was 10,000 pounds he could do nothing and I would hear from there solicitors in due course. Today I got a letter from triton stating they were dissapointed to note I had failed to make a payment or satisfactory repayment proposal. Alsi it may be appropriate to request that a debt recovery agent call on me to discuss and agree proposals for repayment.

I rang them again and explained the situation and that I had tried to offer what I could afford but again the advisor!!!! said she could only allow a minimum of £1000 a month repayment, I politely re-inforced that under no circumstances could I afford to pay that amount and ststed that I could pay £160 per month. She then informed me as before I would hear from their solicitors,

what should I do next?, I note from the letter Triton is a part of the RBS seems like bully boy tactics,

[Bazooka Boo]

Firstly, do stop speaking to them over the phone, unless you are able to record your calls?

Secondly send them this template and remember 'if' they do turn up on your doorstep they have absolutely no more legal right to enter your property, than I would!

Tell them to leave as you have nothing to discuss and all communication must be in writing.

 

Tell them you will call the police if they don't leave immediately.

 

Remain calm and polite at all times.

 

Walk away from the door so the visitor cannot try and talk to you.

 

If they don't leave, call the police to report that you are being harassed and the visitor refuses to leave.

 

And finally if £160 pounds a month is all you can afford then that is all you will have to pay, if it goes to court, a judge will not make you pay more money than you can comfortably afford, so if £160 a month is a struggle, then tell them you welcome your day in court, as the judge may advise you can only afford a £1 a month!

[Bazooka Boo]

Are there any charges added to that amount ie. late payment charges etc?

You can claim all those back if so, that will reduce the total amount.

 

You may want to seek some advice from the National Debtline

 

Also when was the Credit agreement taken out? Was it pre April 2007, was it in person or over the internet?

I'm just thinking along the lines of asking them for the Credit agreement, which they may or may not have!

Edited June 1, 2009 by Bazooka Boo
Link added.

[aquatandrep]

Are there any charges added to that amount ie. late payment charges etc?

You can claim all those back if so, that will reduce the total amount.

 

You may want to seek some advice from the National Debtline

 

Also when was the Credit agreement taken out? Was it pre April 2007, was it in person or over the internet?

I'm just thinking along the lines of asking them for the Credit agreement, which they may or may not have!

 

Hi many thanks for the advice, yes the amount includes late payment charges and the agreement was taken out quite a few years ago, definately pre April 2007, how should I request the Credit Agreement and from whom, Triton or RBS? and what will requesting the credit agreement do for me.

regards

[aquatandrep]

Hi many thanks for the advice, yes the amount includes late payment charges and the agreement was taken out quite a few years ago, definately pre April 2007, how should I request the Credit Agreement and from whom, Triton or RBS? and what will requesting the credit agreement do for me.

regards

Hi forgot to add I think it was done over the internet, or by mail, but was not in person

[Bazooka Boo]

If you CCA them, they (Triton) will have to seek the original agreement that you completed, if it was over the net then it will probably be a tick in a box, if it was via mail, you may have actually signed the agreement which they will have to provide as evidence that an agreement was made.

 

I would CCA Triton, as it is they who are asking for payment, they will in turn send you the standard 'we will have to ask out client for this information' letter, they basically have 12+2 days to comply with your request.

If they fail to provide it within this time, then they are unable to take any legal collection activity against you, including applying for a CCJ.

 

Once they have gone over this time the account will be formally in dispute.

 

And until they can provide evidence of the agreement, they cannot enforce any collection activity or make you pay anything toward the alleged debt.

 

Take a look at the letter templates to reclaim the charges on the account.

[angry cat]

Triton are the in-house collection department of RBS