I've just been threatened by Triton

v8monkeyboy

Morning all :hello:

I've just had a call from Triton Credit Services (at 8am!) who wanted me to increase my monthly payments from £80 to £90, and increase which we can't afford. I explained this and was told that they review cases every 6 months and expect an increase in payment.

When I told him they had my SOA and they could see there was no more money he became very threatening. I then said I would not deal with them by phone anymore and would only deal with them in writing. The guy on the phone got more angry and told me I would go to court. I explained that I felt he was threatning me and he literally said 'Well, I'll make sure it goes to a solicitor so you pay more' and put the phone down on me.

So, this has left me shaken, and wondering what to do?

Tracy x

fermi

Ignore idiots like this and just pay what you can afford.

pinkneonmartini

I agree, if they've got your SOA they know you can't pay more, and can't force you to hand over money you don't have. Don't worry about, it's a bully's tactic.

McKneff

And if he rings again, tell him the phone call is being recorded and repeat to him that you will deal with his company by letter only

edinburgher

Don't worry about, it's a bully's tactic.

Agreed - I seriously doubt that it's up to call centre staff (albeit those working for a debt collector) to decide to take legal action! Pay what you can afford, keep your creditors informed and keep smiling.

tallyhoh

These people get paid commission by how much they can get off you, they will say anything to increase their wages regardless of the law.

Igore them.

rog2

v8monkeyboy wrote: »

I've just had a call from Triton Credit Services (at 8am!) who wanted me to increase my monthly payments from £80 to £90, and increase which we can't afford. I explained this and was told that they review cases every 6 months and expect an increase in payment.

They can 'review' cases as often as they like, and they can expect increases in payments.

However, what they can 'expect' and what they actually 'get' can be, and often is, two different things. :mad:

The OFT Debt Collection Guidelines clearly state that a it is 'unfair practice' for a creditor or dca to pressurise a customer by making unfair demands or expecting them to pay at a rate they clearly can not afford.':

http://www.oft.gov.uk/shared_oft/business_leaflets/consumer_credit/oft664.pdf

BeautyandtheBeast_3

tell them to get screwed next time and then you put the phone down on them.xx

v8monkeyboy

Me again.

So, I've had no more calls from Triton since I told them I would only deal by letter. However, today I've got home from placement (working 12 1/2 hrs :eek:) to find a letter from Triton stating:

"The agreed short term repayment arrangement is due for review and as previously indicated we are looking for you to fully repay your debt now, or substantially increase the level of payment. Failure to do so will result in the matter being passed to our solicitors who may then commence one of the following actions:

• Charging order/inhibition against your assets for the sums outstanding. This may even result in our client being granted possession of your property.
• Attachment of earnings/wage arrestment. Your employers will be instructed but the Court to deduct a set amount from you salary/wage to repay the balances outstanding.

You will be liable for the costs of legal action."

So - I will send my SOA - again. But if it shows that between us my husband and I have £3 left over each month, and that they are getting £5 more than my other creditors can they realistically take me to court? And if they did, would the judge not say that they are unbreasonable?

As for getting money from my earnings, I get £544 each month as a bursary and that's it. Out of that I pay around £300 in debt repayments.

I'm so tired - I've been up since 6am and have worked 11 hrs today, plus 2 hrs driving, and I can't even think what to do.

Any ideas gratefully received

Tracy

v8monkeyboy

Anyone? I'm sorry to be a pain, but this is bothering me.

T x

rachaelfleur

Are you on a DMP with anyone. If so I would contact them and see what they say. If you're doing a self managed DMP then I would suggest you just send your SOA to them and prove you can't increase payments. I'm pretty sure it's in their best interest to accept this as court fees will cost them money. I think this may just be another bullying tactic. Sorry I can't be of more help to you.