triton credit services-please help!!!!!

michlahey1978

i have never heard anything like this in my life!!!me and my husband took out a loan last year with natwest and we were paying £222 A MONTH over 5 years(£101)was p.p.i which i cancelled in july this year and we were paying out so much a month that we were always overdrawn.so i decided to have a look on the moneysavingexpert.com website and saw that a charity run debt counselling service could help us which were c.c.c.s they put us on a debt management plan to pay natwest £100 a month and then we would still have enough money left over and get back on the right track.
natwest confirmed that we could do this but stated that we needed to send our cash cards back and that our account would be put into recovery with triton credit services and that we needed to find alternative banking.all our direct debits were cancelled and whatever was paid into this account would go towards the loan which they said was in arrears even though we were still making payments and we never missed any what so ever,everytime we contacted triton credit services they were rude and we were told the bailiffs were going to be sent to our home and we were disgusted as we had never missed a payment and we had banked with them for over 12 years.and now that we have made claims for p.p.i from 5 previous loans that the refunds will go into that account to pay off the loan we are in arrears with and we cannot touch it!!!i am so angry but apparently they have rights how unfair is this????don't us consumers have rights too??????this is making me really ill and i already have a mental health illness please help!!!!!!

Apples2

Take a breath for goodness sake!!

michlahey1978

pardon?what do you mean?

LeeSouthEast

Fullstops are customary in written words. It helps mentally break up what you are trying to say.

Without them, it's very difficult to read.

LeeSouthEast

michlahey1978 wrote: »

I have never heard anything like this in my life!!!

Me and my husband took out a loan last year with natwest and we were paying £222 A MONTH over 5 years. £101 was p.p.i which I cancelled in july this year. We were paying out so much a month that we were always overdrawn so I decided to have a look on the moneysavingexpert.com website and saw that a charity run debt counselling service could help us which were c.c.c.s.

They put us on a debt management plan to pay natwest £100 a month and then we would still have enough money left over and get back on the right track. Natwest confirmed that we could do this but stated that we needed to send our cash cards back and that our account would be put into recovery with triton credit services and that we needed to find alternative banking.

All our direct debits were cancelled and whatever was paid into this account would go towards the loan which they said was in arrears even though we were still making payments and we never missed any what so ever. Everytime we contacted triton credit services they were rude and we were told the bailiffs were going to be sent to our home and we were disgusted as we had never missed a payment and we had banked with them for over 12 years.

Now that we have made claims for p.p.i from 5 previous loans that the refunds will go into that account to pay off the loan we are in arrears with and we cannot touch it!!! I am so angry but apparently they have rights how unfair is this???? Don't us consumers have rights too?????? This is making me really ill and i already have a mental health illness please help!!!!!!

Some will berate me (and others above) for being anal.. but hopefully this will make it easier for everyone else to read and offer advice.

dolly47

Obviously everyones circumstances are different but we had a similar situation with NatWest. As far as they are concerned even though you are making agreed payments its not as per the original agreement and will appear as arrears on your credit rating. As long as you have confirmation of the amended repayment arrangement in writing from NatWest and you stick to it then I'd ignore the bully boy tactics of this company, its all designed to get more cash out of you and for them to meet their targets.
As for the refunds inform them this is account is not longer used and see if it can be paid into an account elsewhere.

PNPSUKNET

what you have to ask youself is what are you going todo with the ppi money if it went to another account, waste it or pay of debts?

dolly47

I agree with you to a certain extent but if the cash was not put into the Natwest account and it was enough to cover most of the outstanding amount then they would be in a better position to negotiate a discounted settlement figure. it's what we did......