Mint/Triton now cabot

[essexzed]

Hi there, I am a new cagger. I also have the same problem. I originally requested a CCA from Mint and they sent me a copy of my signeed application form some 21 days after request. I then advised that the account is in dispute, (letter downloaded from CAG forum). Mint have now passed the debt to Triton credit service who have requested the whole amount of £4300. What should i do? Would really appreciate your help.

[maroondevo52]

Hi, essexzed.

 

I've started a new thread for you.

 

Regards.

 

Scott.

[sam614]

 

http://www.consumeractiongroup.co.uk/forum/content.php?426-A-letter-when-the-account-has-been-passed-to-another-debt-collection-agency

 

 

send this.

Edited March 19, 2011 by sam614
missed a bit

[FORMISTER]

Hi, welcome to the forum. Has the debt been sold or are Triton just operating on behalf of Mint? I would advise Triton that the account was already in dispute with Mint and send the letter that Sam in the previous post and given you the link for. It needs a little adapting

[essexzed]

Hi, welcome to the forum. Has the debt been sold or are Triton just operating on behalf of Mint? I would advise Triton that the account was already in dispute with Mint and send the letter that Sam in the previous post and given you the link for. It needs a little adapting

 

Thanks a million everyone! Adapting the letter means just address details i take it??

I will do the necessary and keep you all updated. 8-)

[FORMISTER]

Pretty much, dates, names etc. Ensure that it is all relevant to your case, remove info or add info if appropriate

[essexzed]

Hi Guys,

Once again, thanks for the info. I have prepared the letter and just about to post it recorded delivery and suddenly my phone rings... It was of course triton credit services. I didn't know what to say, so i told them that i did not want to discuss anything on the phone and that they will be recieving a letter from me.

Did i do the right thing?

[sam614]

yes,do not talk to them, if they call again state in writting only,and refuse to answer their security questions.

 

and you can send this if they do keep calling.

 

http://www.consumeractiongroup.co.uk/forum/content.php?493-Harassment-by-telephone-response-letter

[essexzed]

Hello once again all, I hope everyone is well.

since my last letter, i received a call from triton but i refused to talk to them. On the 28th March i received a long letter from Mint. I will try and scan it in so you can read the contents. but the essence of the letter is as follows: The letter first outlines Mint's understanding of my complaint then it covers details of Mint's investigation and how they followed the consumer credit regulation properly. The letter is concluded with an apology and a statement to confirm that they are UNABLE to uphold my complaint and that the debt will need to be paid.

The letter gives 8 weeks to reply. But before the 8 weeks i received a letter from triton credit services threatening a CCJ or court proceedings. I hope this gives you an insight into my situation and would welcome advice on my next step. I will try my level best to scan both letters in by tommorow. Sorry don't have a scanner, have to rely on my brother.

Thanks again caggers!!

[ims21]

Hi essexzed

 

I wouldn't worry too much about Triton. dcas will threaten al kinds of things but I reckon if you look at their letter closely it is full of "might", "may", "could" blah, blah.

 

Triton can do nothing to you....the account is in dispute with the OC so stuff Triton. Sending you an application form isn't complying with the CCA request and until they can comply the account remains in dispute.

 

You are doing the right thing by not talking to Triton on the phone. You are under no legal obligation to discuss personal financial matters on the phone. So there!

 

I would write back to the OC and say that they have not complied with the CCA request as they have sent you an application form and until such time as they do comply the account is in dispute.

 

Are there any charges on the account that you can claim back? I take it this is a Mint Card?

 

Also, a previous post asks whether the debt has been sold to Triton or whether it has just been passed to them to collect. and the answer is.........?

 

ims

[cerberusalert]

Triton are the bank's own in-house collection arm not an outside debt collection agency.

[ims21]

Ah so it won't have been sold then!

[cerberusalert]

Ah so it won't have been sold then!

 

No.

[curly bob]

Hi Esse

 

As Cerberusalert says Try it on Sorry Triton are the banks in house DCA , I have had dealings with them and they can be very slipery you are doing the right thing by not speaking on the phone to them if you do they will try allsorts to try and get cash from you they are bulleys , so everything in writing also if you send letters to them by RD they sometimes show as not delivered on Royal Mails track and trace so if they show up as in the system or smilar ring RM and ask them to confirm delivery apparently the items dont show as they get signed for in bulk by someone from RBS and Triton are very good at saying they have not received any corspondence from you .

Good Luck

CB

[essexzed]

Thanks Ims21,

I just took a sigh of relief!!, as mentioned below, Trtiton, i believe are in house DCAs. In response to your question, yes this is a MINT visa credit card. I don't think there are any charges except the original debt, which totals £4,309.34. I have been paying this at £10 per month interest free up until the account was in dispute.

In the letter that Mint sent me, they are adamant that they sent me "a copy of the credit agreement that i signed". All i remember receiving is a signed copy of my application form.

I take it now i can just sit tight? Triton stated that they have recommended to Mint(royal bank of scotland) to instruct solicitors to recover this debt.

[ims21]

Hi

 

You say that as far as you remember you got an application. maybe a slly question but is there some doubt in your mind? If so I would send another CCA request to make sure.

 

Other threads seem to suggest that they won't want to go to court without a valid document.

 

Shame there are no overlimit or late payment fees though. Do you have the statements so you can check?

[cerberusalert]

Was there any PPI with this a/c?

[essexzed]

Was there any PPI with this a/c?

No ppi with this. although they did try to push it, but i declined.

[essexzed]

Hi

 

You say that as far as you remember you got an application. maybe a slly question but is there some doubt in your mind? If so I would send another CCA request to make sure.

 

Other threads seem to suggest that they won't want to go to court without a valid document.

 

Shame there are no overlimit or late payment fees though. Do you have the statements so you can check?

 

OK IMS, i will make a thorough check of all the paperwork i have received and get back to you, but i am pretty sure that i only received a copy of signed application with T&C's.

I have kept most of my statements, what exactly am i looking for? late payment fees?

[essexzed]

ca7.pdfHello again fellow caggers,

I had to invest in a scanner, because things were getting a little worrying. I have attached copies of the letters received from MINT and triton. in order of receipt.

The letter from mint dated 28/3/2011 is a response to my letter which advised that the account is in dispute. (i downloaded the template from CAG)

and then the other letters followed. page 4 and 5 of Credit agreement will be in next post. can only upload 5 pages per post.

ca6.pdf

ca3.pdf

CA1.pdf

ca2.pdf

[essexzed]

ca5.pdfHere is the remainder of the letters from triton and mint. A few days ago i received a letter from solicitors confirming proceedings will be issued.

triton1.pdf

ca4.pdf

[BRIGADIER2JCS]

To much person info showing

[essexzed]

mint1a.pdfMore letters. From Mint and triton.

triton2.pdf

triton3.pdf

mint1.pdf

mint1b.pdf

Edited June 7, 2011 by essexzed

[essexzed]

sorry...I blanked out my address, should i blank out something else?

[essexzed]

oops...forgot to blank out account no...