Triton doing my head in

Raquela

Haven't been here in a while, and back in January, I came to the conclusion that I would have to restructure my DMP, as my employment situation is very very precarious, and there was no way I could pay off one specific loan on the wage I've currently been able to get.

On Tuesday I had a phone call from Triton, I had no idea who they were, googled them, turned out it was on behalf of Natwest. I actually had what I thought was a very sensible conversation with a nice person, thought that would give me a few days breathing space. I explained I was on a debt management plan with the CCCS, and that Natwest had been sent the paperwork, and I had sent copies to my old graduate manager. I took down their address and promised I would ask the CCCS to forward details and the offer. I also gave them my CCCS reference number. I actually got off the phone feeling quite positive and that not all debt collectors were horrible!

Unfortunately it's gone downhill, they called me again yesterday and again today, with seemingly no knowledge of the fact I'd already spoken to someone, and not actually caring. Seriously, is it worth their effort to keep having the same conversation over and over again, in less than 24 hours since I've spoken to them? Do they not actually take any record of what has been said?

I seem to remember if you request them not to call, and to deal in writing only, is this correct? Because I said that yesterday, and the guy 'wrote it on my notes', but was told yesterday they aren't going to stop ringing until they receive the info from the CCCS. Which obviously they've already received. About three times (originally, the copy I sent, and the copy I resent to Natwest. I fail to believe that if Natwest are instructing them they aren't going to send them all the details).

I'm not going to answer the phone anymore because it's too stressful dealing with people with no common sense.

Am wondering if the DMP was the worst thing I could have done; I've gone into default with two companies I could pay, and obviously this one as well. At least when I wasn't on a DMP I could pay extra every so often when I had it

DarkConvict

DMP is about splitting out your payments, so even if you could pay 2 off them there were others you could not, you would have been advised when entering a DMP that you are likely to get defaulted on, its common practice.

As to the telephone harassment templates -> http://forums.moneysavingexpert.com/showpost.html?p=11571485&postcount=4