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Natwest and Triton... unable to cooperate


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Firstly being new to this forum apologies if this is posted in the wrong place.


Last year for various genuine reasons I fell behind with repaying my Natwest student account overdraft and my debt was passed on to triton. I agreed I could make a £50 repayment in aug 2010 and the remainder (£445) in september. I now feel I was hasty and under pressure when verbally agreeing to this. I took the steps to renegotiate and try to pay a lower monthly sum of £50. The worker I spoke to refused to confirm whether this was acceptable and simply told me he would have to ring me back. He never did and two more phone calls since have gone the exact same way, ending with the promise of a call back that never materialises.


I went to the bank to ask their advise. I do not want to deal with Triton any longer. They obviously do not want to negotiate with me and I feel by their refusal to ring me back, they are pressuring me to abide by my original agreement which I cannot afford to do so. The bank basically told me they had nothing to do with it, they could not help.


I went and payed over the counter what I could afford (£40) and intend to continue to do so until the debt is settled.


I am expecting Triton to start issuing threats etc for me going against my agreement but I have made the effort to imform them of my situation. Its not like I am refusing to make a payment... I just want to lower the amount to a more affordable sum.


Am I right to continue to make minimum payments if thats all I can afford?


How should I deal with Triton should they contact me due to me paying lower than my initial agreement??


Do the bank have any responsibilty to take for my difficulties with triton?


Any advice is welcome


Thanks in advance


Edited by BlueMist
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If this is the most you can afford to pay then they would be daft to try to take you to court to increase any payment. You do not have to answer any phone calls just pay the amount you can afford each month. They will try to badger you, as I say don't answer their calls then they cannot intimidate you.



cannot find it A to Z





Halifax :D

Paid in full £2295


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Capital One:D

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19/01/2008 recovered PPI £2216 + costs


Littlewoods :-D

12/08/2007 write off £1176.10 debt.


JD Williams charges refunded in full £640

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