I've just been threatened by Triton

v8monkeyboy

Right chaps, I'm back! :rolleyes:

I also need further help, if possible please.

I CCAd Triton as was suggested, and got a reply from RBS (?) stating that they could not locate the account with the Triton reference number I had given. As I hadn't written to RBS requesting a CCA, I ignored their letter and waited for a response from Triton.

Non was forthcoming, and I was just about to send out the 'account is dispute' letter, when through my letterbox this morning came a letter from.... (drum roll) Moorcroft!

It's from their pre-court division and they want £8632.68 within the net seven days, or they will take me to court etc etc etc.

Now, my agreement was with Triton, and I have been faithfully paying them £80 per month, every month without fail.

So, my question is - what next? Do I CCA Moorcroft, tell them to get lost, or do I go to court? (I'd rather not go to court if it's all the same...)

TIA,

Tracy

marcowil

Isn't the account now in dispute as you have not received the CCA request?

v8monkeyboy

Hi Marcowil,

I think it is in dispute, but I'm confused. I pay Triton who took the debt over from Tesco, I CCA'd Triton, but RBS replied saying they can't locate my file using the reference number Triton use, and now, I get a letter from Moorcroft on behalf of Tesco, whom I haven't paid since sometime last year.

v8monkeyboy

Right,

I've come to a decision/conclusion.

The account is in dispute, and I can stop payment if I want. I need to write the acount in dispute letter to both Triton and Moorcroft, telling them to:

1: Prove it - Triton
2: Cease and desist - Moorcroft

Is this right, and if so, where are the template letters? I can't seem to find them anywhere

Thanks!

Tracy

v8monkeyboy

Jus a quick question (or 2!)

I have received a statement from Tesco showing that I took out the loan on 6 March 2007. This means it comes under the old legislation, is that right?

Also, if I stop the payment, and I do end up going to court (if/when they find the CCA), will that not mean the judge will look less favourably on me, rather than if I was paying?

Sorry for all the questions,

Tracy

Mythi

Sorry I can't answer your questions Tracy so am posting to bump your post, hopefully someone will be along to help soon.

Take care.

v8monkeyboy

So, after my last post, I duly cancelled my DD to Triton, and wrote a bemused letter to Moorcroft and the 'account in default' letter to Triton.

This morning, I receive a letter from Tesco (who the account was originally with), using the same address as Triton, again stating that they cannot action my letter using the reference I have given, they do not hold my signature on record and please provide them with another form of identifcation.

They also ask for the original account number and sort code - again.

Now, I asked Tesco twice last week, and they stated categorically that they had 'sold on the debt to Triton' and no longer owned it. So, why am I now receiving letters from Tesco, using Triton's address?

What do I do now? HELP!!!!

TIA,

Tracy

v8monkeyboy

Anyone?

I've also just been told that I should keep paying, and that if it was to go to court the judge wouldn't look kindly on me requesting the original copy etc.

Also I was told that Triton/Tesco/whoever only have to send a true copy of he agreement, not a copy of my agreement, and so, if it went to court, the judge wouls ask if I took out the loan, when I answered yes, they would say 'what's the problem?' and find in favour of Tesco/Triton etc, leaving me with all the costs. Basically, it's not worth my time and effort to pursue this, as Tesco/Triton would win as I was being awkward.

I'm so confused (and quite worried)

alwaysonthego_2

Creditors will tell you anything [lies] so that you will pay up.

I suggest that you contact the CAB and ask them to contact them on your behalf.

v8monkeyboy

Thanks, Always,

The information I've just been given came from the National Debtline. The lady on the phone basically saif that I should keep on paying, and not pursue the CCA route as I would end up in trouble.

I'm just quite worried as I've stopped the payment, and don't fancy going to court.