Triton credit services

[sabbath61]

hi there this is my first time on the forum,i too am having problems with triton credit services i will get to that later for help advice i hope.anyway i have noticed that is previous comments it was mentioned that triton credit services has 2 adds ,one in basildon and one in telford.i use to work for natwest dealing with bank debts and they created their own inhouse debt collecting agency called unidebt and was based in the same building as the credit crds.however they moved to TELFORD IN 2000 could triton be unidebt.i also rang rbs in southend for some info about triton and the young lady who answered was insistant that triton in basildon were not inhouse

[debbbbsy]

Hi,

 

It is likely that Natwest had its own inhouse recovery department. As did RBS, which was in Edinburgh. When the 2 companies became 1, I can confirm that the recovery department of the RBS was closed, all documents from this department were destroyed & only fragments of data transferred to CMS in Telford.

Triton Credit Services is defenitely the inhouse recovery department for both RBS & Natwest (there paperwork confirms that this is a Trading name of RBS Plc). They have access to a customers internal Diary & Data, and they themselves put notes on this internal system. An external department/Company would have its own internal system for making notes & logging data.I know this because I have recieved a copy if my "Diary Event History" from RBS when I did a DSAR,( after corresponding with Triton), there notes, including the conversation I had with a very helpful young lady at Triton were included in this Internal Diary.

I have never heard of a Triton from Basildon.

 

Debbie

[sabbath61]

first of all thanks debbbbsy for your reply,i would now like some advice on how to proceed with the following if thats ok,i was made redundant in april 2009 and unfortuantly still am.as i had some savings and a bit of redundancy monies i continued to pay my rbs credit crd.however i found this a struggle what with household bills and mort etc.so in june 2009 i contacted rbs and exp sit saying i was unemp and could only pay a min amt but i had taken out insurance which i had since i had the card back in 2003.they sent the claim form and i sent it off to the ins co who were assurant solutions.i got a lett from them daed 6/8/2009 that they recvd my claim app and had given me a claim no and that it was being assesed,i then recv a lett from them dated 10/8 saying my claim had expired on 13/7 as they were unable to collect the premiums and therefore unable to claim for pymts after that date.they did give me the option of reinstating it if i paid the premiums,by this time i had to cash the remaining savings and they reinstated my claim stating i had to send proof of job searching etc.they finaly made just 3 mnths pymts and i cont to send them proof of my unemp.in oct 2009 i came off of jsa benefits and then was messed about by the dhss saying i had to go on this one then that one and it took five mnths to sort out,during this time the job centre couldnt stamp my ab1 forms,finnally i went onto esa benefits with my partner who is the main claimant ,anyway due to this assurant closed my claim and it was put in the hands ofTRITON CREDIT SERVICES WHO I HAVE FOUND OUT ARE THE INHOUSE DEBT COLLECTORS FOR RBS CREDIT DEPT SOUTHEND.I EXP THE SIT TO THEM AND SENT PROOF OF MY REDUNDANCY AND LETTS FROM THE DHSS,THE BAL ON THE CARD IS OVER £5000 AND ALL I COULD AFFORD WAS £5P/M HAVING SPOKEN TO CCCI WHO SUGGESTED £1PM.WELL SURPRISE SURPRISE THE SCRIPT KICKED IN WE CANT ACCEPT THAT ITS BELOW I CRITERIA ETC,I EXPLAINED TO THEM HOW HCAN I AFFORD MORE IF I AM ON UNEMP BENEFITS.THEY SAID WE WANTS INS/OUTS BEFORE WE ACCEPT SO I DID AAND STARTED PAYING £5P/M.ON JULY 9TH I RECVD A LETT FROM TRITON WANTING TO REVIEW PYMTS . WITH A PARA IN THE LETTER SAYING AS YOU ARE AWARE THE CURRENT ARRANGEMENT WAS AT A REDUCED LEVEL OF MNTHLY PAYMENTS TO ASSIST WITH THE FINANCIAL DIFFICULTIES YOU WERE EXPERIENCING YES!!!!! I AM UNEMPLOYED.SO I RANG THEM AND EXP THE SIT,SURPRISE SURPRISE THEY SAID WANT INS/OUTS ETC.SO I SENT IT AGAIN.THEN I GOT ANOTHER LETTER FROM THEM DTD 15/7 SAYING WANT MORE INFO,DURING THIS TIME I CONT TO PAY £5P/M.AS I HAD ALREADY SENT THEM INFO I IGNORED THE LETT,THEY THEN CALLED ON 30/7 BUT I WAS OUT AND THEY SPOKE TO MY PARTNER,I RANG THEN ON MON 2/8 EXP SIT AND THEY SAID THEY WOULD SEND A INS/OUTS FORM.THE NEXT DAY I RECVD A LETT FROM GREEN AND CO SOLS DTD 30/7 SAYING THEY WOULD TAKE FURTHER ACTION IF NO PYMTS RECVD,SORRY ITS SO LOND WINDED BUT HOW DO YOU SUGGEST I PROCEED.SHOULD I ASK FOR MY CRA

[debbbbsy]

Hi Sabbath61,

The best thing to do is start your own thread. Outline your problem, make it as concise as you can, and exactly what advise you need. Help will come.

You are not legally obliged to provide any data about your income & expenditure. Only a court can force you to supply this information. Tell them to get stuffed.

Do not speak to these people on the phone.Do not call them back. All correspondence MUST be done in writing. Send all letters recorded delivery.

Have you asked for the account to be frozen ?

Are you recieving statements?

You have had the card since 2003, have you done a CCA request ?

THE NEXT DAY I RECVD A LETT FROM GREEN AND CO SOLS DTD 30/7 SAYING THEY WOULD TAKE FURTHER ACTION IF NO PYMTS RECVD,SORRY ITS SO LOND WINDED BUT HOW DO YOU SUGGEST I PROCEED.SHOULD I ASK FOR M

Carol Green, of Green & Co, is the Banks "Internal" solicitor.

I suggest you respond in writing, basically....tell her to do her worst. If they do get judgement.....thats not guranteed.

A CCJ will freeze the account. No interest or charges will be added.

Benefits cannot be used to repay this debt.

 

I'll look for your thread.

 

Debs x

[The GodMother]

Debs

 

Just because benefits cant be used to pay the debt they courts can still issue a order and order that you pay out of benefits as they are classed as a income.

[debbbbsy]

Hi Godmother,

I am only passing on what I have read on other threads.It was my understanding that benefits are intended for essential day to day living expenses, and could not be used to pay off debts. I apologise if I have misunderstood previous threads, are you saying that Benefits can be classed as an income & a court will force you to pay off these debts using your benefit at the detriment of essential outgoings such as Rent, Council tax, gas, electric, food, clothes...etc...

 

Debs

[sabbath61]

thanks very much for your replies re my problem,i now need a little bit more advice,i have now recvd an ins/outs form from triton shouls i send that back with my cca request or just ask for cca first

[cerberusalert]

Posts moved and new thread created so as not to confuse issues in the original thread.

[cerberusalert]

Send the CCA request also reclaim the PPI again, there has been a new ruling from the FSA about that. Have a read through the PPI forum for help on that. http://www.consumeractiongroup.co.uk/forum/forumdisplay.php?111-Payment-Protection-Insurance-%28PPI%29

[sabbath61]

much appreciated for advice thanks

[The GodMother]

Debbs.

 

Iam not saying they can be but Judges dont seem to notice when they have been told they law. I know several ppl who have a judgement against them and are paying it out of there benefit as a judge has said they have to.

[debbbbsy]

Iam not saying they can be but Judges dont seem to notice when they have been told they law. I know several ppl who have a judgement against them and are paying it out of there benefit as a judge has said they have to.

 

I completely agree. Any person who goes into court, regardless of how strong the case. If they get a judge that is basically anti the consumer, if you have spent the money they will hit you hard. This is so wrong. I personally have had experience of a judge like this at a charging order, she was a woman with power, & oh my god was she going to dictate the proceedings....even though what she said was completely wrong, she had completely misinterpreted the file. When I phoned the courts just 1 week later to clarify points she had raised. I was informed that she was nolonger an acting judge, the impression I got from the clerk was that She had made some major mistakes & been.....relieved of her position.

 

All we can do is go in, armed with as much knowledge as we can. Is there any case law which specifically relates to benefits & debts?

 

Debs x

[sabbath61]

s strange developement re triton credit services.today in the post i recvd a letter,check and ins/outs i sent to triton in june to the po box in basildon retd by the royal mail with a unable to deliver sticker on it but no reason,the strange thing is the triton add is crosses through but the envelope i sent it in was open

[2Grumpy]

I sent letters - ordinary & recorded - to Triton @ Basildon and all were delivered.

 

The Basildon address is a PO Box that is used for forwarding - I don't think that they are actually in Basildon - maybe London (Don't they have an 020 phone number?). Try sending again.

 

The envelope might have been opened by the post office to get your address to return it to you

 

Triton are part of NatWest / RBoS - sometimes they admit it but mostly they deny it.

 

n.b. I saw in your first post that your PPI refused payment because you hadn't paid in july when you got into trouble in April - surely they should pay because you were paying up to when you got into trouble? Worth a complaint to the FOS after you have exhausted their complaints procedure