Help! Triton Services!!!!

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

Didn't you post the exact same thing yesterday morning, or am I having a major deja-vu moment???

roni08

Kazipoo wrote: »

Didn't you post the exact same thing yesterday morning, or am I having a major deja-vu moment???

Yes, you are correct. I don't know why this poster has repeated himself by starting an new thread on same subject either.

AHB123

roni08 wrote: »

Yes, you are correct. I don't know why this poster has repeated himself by starting an new thread on same subject either.

because i couldn't find my last thread and im just desperate for some advise????????

aj2703

Sorry but i fail to see how it can be anyone else's fault apart from yours, after all you were late with the initial payment which started this all off. How did a late loan payment affect your overdraft..?, arn't charges put onto your loan account..?.