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    • If you are buying a used car – you need to read this survival guide.
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    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

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    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
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    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

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      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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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

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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 ?

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

1: How can BCOBS protect you from your Banks unfair treatment

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.

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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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  • 7 months later...

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!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

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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.

Have we helped you ...?         Please Donate button to the Consumer Action Group

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

1: How can BCOBS protect you from your Banks unfair treatment

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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