Triton Credit Service's --- HELP!!! ---

AHB123

Hi Everyone,

So here's my story...I had a loan from Natwest and had to pay back £11K, i also had an overdraft of £500.
I was late with a loan payment and ended up being charged, which led to me going over my overdraft, which meant more charges. In the end the charges = something stupid likee £300, obviously i was not happy and refused to pay it, so swithched bank's. ( i was with Natwest by the way).

I missed another payment the month after and my debt was then "sold" to Triton, i agreed to pay Triton to pay them £250 a month to begin with, this was 6 month's ago. So in total ive paid them £1500. When they took over my debt it stood at about £11,100. so that minus what ive paid would leave £9,600.

When i phoned and asked for a value which i owe them now i was told £10,700, i asked how this was possible? they said my overdraft was paid off first. I asked how i still owed that value? Obviously they came up with !!!! and bull and i ended up putting the phone down.
Also they said i was £472.00 in credit on my overdraft debt, how can i be in credit? i dont have an account with them? they said it would be deducted from my loan debt asap?

Ive been reading a few things about Triton on the forum and today have cancelled the Direct Debit to them and sent a CCA request letter, as i do not have any proof that the debt is actually with them?

Basically im just totally confused, can anybody help me out pleeeaassee ???

1. Am i correct to cancel my DD and request a CCA?
2. They are utter useless on the phone, is there anyway i can deal with them in writing?
3. Are they correct when saying i am in credit? Surely the Loan and overdraft amount should have been added together and no interest or anything should now be charged?

Sorry if ive waffeld on abit.

Thanks for your help...

Kazipoo

Can't say I've ever heard of Triton myself, but my two penneth worth would be firstly, never cancel payments while you are disputing something because ultimately it could end in default, which is not good. And secondly, I would be inclined to tell everybody not to deal with any company over the telephone, I've learnt my lesson, everything I do now is in writing and tracked.

As far as them charging you interest, I would presume that the bank are entitled to the full amount that they would have received had you stuck to your agreement, unless it was a preloaded loan I can only assume that they are well within their rights. However, someone more knowledgeable than me will be along soon to give you the correct information.

roni08

Triton is part of NatWest, they are not an independent company. They are used by NatWest to try and harrass and bully people into paying what they can't afford.

As has been said, only communicate with them in writing and always send correspondence by Recorded Delivery so that you have proof that the letter has been received. Always keep any correspondence you receive from them.

Letters are better than phone calls because they can say what they like to you over the phone but they have to be more factual if they put it in writing.