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    • going by your figures    £5239.50 was added to the £21k loan making the amount we borrowed  £26239.50.   so the PPIPCM% was: ppi/loan+ ppi*100=%   5239.50/26239.50*100=19.97% so lets call that 20% so 20% of any payment made on its date was PPI.   now you'll have to fill out the statint sheet as if you haven't yet been refunded then add in the payment you got on its date as a minus figure on the sheet on its date to the sheet   that will tell you whats outstanding from the refund   thus what you owe today.   dx          
    • Next you need to send off for a breakdown of the charges the Bailiff applied.  . Here's an example,  use and ADAPT at will and best sent initially by email backed up by a copy in the post. . "From: My Name My Address . To: Acme Bailiff Co Bailiff House . Ref: Account No: 123456 . Dear Sir . With reference to the above account, Can you please provide me with a breakdown of the charges.  . This includes: a - the time & date of any Bailiff action that incurred a Fee. b - the reason for the fee. c - the name(s) of the Bailiff(s) that attended on each occasion a Fee was charged. d - the name(s) of the Court(s) the Bailiff(s) was/were Certificated at. e - the date of the Certification. . This is NOT a Subject Access Request uest under the Data Protection Act S7 1998  You are obliged to provide this information. . I require this information within 14 days. . Yours faithfully . Ripped off customer" .
    • well no you did tell them you'd cancelled the fact that you omitted to pay one extra dd after that date is somewhat immaterial now.   your problem is you've done all this by email. you now need to stop using email and block and bounce them totally   using royal mail send harlands a letter offer them one months payment as you cancelled the dd without leaving 30 days for the next  payment to be taken. but refusing to pay any unlawful admin fees.   if they fail to accept that. you ignore everyone.   dx        
    • not your problem   use the custom google search on the top right    pcn claimform get reading up on what is to come if they proceed. and no you don't need to add to your defence.   dx
    • Hi Slick.    Originally my contract was with someone else and was a 12 month thing (which I was past) so I assumed it was a one month rolling contract. However when my gym changed ownership Harlands took over my DD (and put the price up).   I didn't tell the gym directly I just cancelled it with my bank due to miss information from my gym. The last DD payment was late last year probably around October time as this has been going on for a while with emails between myself and Harlands.
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    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
        • Like
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 57 replies
Missdion

Triton Credit Services Harassing me

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Hi everyone.

I am in need of some advice.

 

I had a loan with royal bank of scotland which (due to money problems at the time) went to debt collectors (Frederikson international)

 

I agreed a payment plan with them directly with direct debit and paid this off.

 

2 months later i get a call from the debt collectors again saying i still owe another £500.

 

I queried this as i do not have a bank account with this bank and only had the one loan.

 

So there is no logical reason why they would want more money and none of my repayment defaulted.

 

They said i would need to speak to Royal Bank Of Scotland as they had sent them this 'debt' 2 days ago.

 

Also i might add that on this day.

..frederikson international took another sum out of my bank account without my authority which im sure is illegal!!

 

I got this back though.

 

to cut a long story short

i made a written complaint to the royal bank of scotland who (after a couple of months of investigating)

sent me a letter with good news..

 

.They had explained what went wrong,

apologised for what had happened,

specified that they now consider this debt to be paid in full,

would amend this on my credit rating and even refunded me £110 for the inconvenience.

 

I didnt ask for any compensation but that was a really lovely touch i felt.

 

HOWEVER!!!

 

The very rude team at Triton credit services keep ringing me (every day so far) asking for this 'debt' to be repaid.

 

They keep changing the amount too.

 

Initially it was the full £500.

Then i got a letter from them saying it was around £200,

then i got a call today saying it was £500 again.

 

I keep trying to tell them about the letter from royal bank of scotland but they dont seem to want to hear it.

 

Ive offered to fax,email, send a copy of this letter to them to back up what ive been saying

but they claim 'it shows as a debt on the system and cant be changed'

Apparently its all about the system...

 

Ive gone to the ombudsman who have said they will send a letter, but they still keep calling!!

 

I just want to be left alone and my credit rating sorted.

 

Is there anything anyone can suggest? As im getting to the stage now where im tempted to counter sue for harassment and detriment of character.

 

Thankyou :mad2:

 

Im getting married next year and will be wanting to start a family and apply for a mortgage.

 

So i cannot afford to have this debt on my record.

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1st STOP PHONING DCA'S!!

 

they will tell you anything to keep you being a cash cow.

 

me thinks freddies cash cowed you, then passed on the tip to triton

 

check your cra file too..

 

last tip

 

NEVER EVER pay a dca!!

 

they have no legal powers whatsoever

 

dx


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1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

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They've probably duplicated the account within a router...... oddly enough I thought it was only RBS that did this but on inspection of a couple of HSBC deeds from 2003 it appears they weren't the only ones.

 

Triton are within the RBS group by the way

 

Whilst I couldn't/wouldn't advocate it, and only if inclined to do so, you could invite Triton to call the following to discuss the matter directly with RBoS: 07748 321 155 and 07826 917 362

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I would write to the original creditor and insist they get these people off your back ?


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Uploading documents to CAG ** Instructions **

 

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Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Triton are inhouse and I often see that when an RBS or NatWest debt is sent to a DCA by the bank Triton are still trying to collect despite the fact DCA is collecting.


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Triton are inhouse and I often see that when an RBS or NatWest debt is sent to a DCA by the bank Triton are still trying to collect despite the fact DCA is collecting.

 

Thanks for the advice everyone. I've sent a request to rbs telling them to sort it out or I'll take legal action. Should put them on their toes. Will report back :)

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This just shows the total lack of communication in the RBS/NatWest organisation!!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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Anyone got an Email addy for Triton?

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Personally I would recommend recorded deliver snail mail for this!


Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

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Personally I would recommend recorded deliver snail mail for this!

 

I've requested the agreement by recorded delivery but their whingeing on they've heard from me. The RD should have been delivered by Friday but it's not shown as delivered, just when it was sent. I wanted to tell then I have replied asap.......but I ain't 'phoning.

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It can take up to a week for the delivery confirmation to be posted on the RM website. Although I don't understand why when they use those hand held computer thingies for signatures.

 

IMHO, you can safely assume it has indeed been delivered if it has not been returned to you.


Please consider making a small donation to help keep this site running

Click here to

donatelink3.gif through PayPal (opens in a new window)

 

Uploading documents to CAG ** Instructions **

 

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

 

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -

HERE

2: Take back control of your finances -

Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors?

Read Here

4: Staying Calm About Debt

Read Here

5: Forum rules - These have been updated -

Please Read

 

 

BCOBS

 

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

 

 

 

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

 

PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE:D

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Cheers. I'll leave it then, they're getting on me threps anyway!

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