Debt with natwest - advice please

Capo86

Hello everyone

Basically, I had a £1050 debt with Natwest due to an overdraft which I hadn't been paying into. I got a text from Triton credit about it, saying I could either call them or go to this RBS worldpay site and set up a payment plan. I did the latter, and I set up a £45 a month plan, but debt agencies are now calling me up constantly, first Apex, and now Allied International. I never answer the calls or call back, thinking that my payment plan should suffice as I'm dealing with Triton. What would be the best course of action here? They also don't have my new address as I'm scared bailiffs would come around.

I started paying back last September, and figure that I owe around £780 still.

Tixy

You could write to them and send them the only contact me in writing letter, but this would of course mean you'd have to give them your new address. To be honest I'd make sure they knew your address anyway - you have no idea what they are sending to the old address (eg the could send court papers and you could end up with a CCJ without even knowing it).

Personally I would go with writing to them, giving them your new address and combining the telephone harrasment letter with the don't doorstep visit me letter.
That way they could not visit your home (unless they went to court first).

Telephone letter http://forums.moneysavingexpert.com/showpost.php?p=11571485&postcount=4
don't visit letter http://forums.moneysavingexpert.com/showpost.php?p=23635529&postcount=59

Culex

Such antics are, regrettably, quite typical of the jerks at Triton. The RBS is closing them down to save money and it seems their drones do not like this.

toffe

bailifs can't and wont come to your house until you have been taken to court, been given a ccj with an order to pay x amount per month then failed to stick to that payment plan and the creditor has been back to the court to obtain a warrant to allow them to instruct bailifs to collect the money.

pretty long winded process they would have to go down so assuming you havent got a ccj already i wouldn't worry just keep on making the payments but you may want to contact the bank and make sure the pyments are being credited to your account.

if they are all you need do with the debt collection agencies is tell them "i'm paying it direct to your client so go jump of a cliff" ignore all enuing bull crap that they tell you regarding how you now HAVE to pay them instead an how you will have bailifs running off with your telly if you don't pay them instead of paying direct, it's all lies designed to scare you into paying through them so that they can claim a commission.

pay the people you owe the money to, don't put money in these leeches pockets.

Competetive

I don’t think, ignoring the phone calls and hiding will help you (unfortunately) L instead your situation will get worse and will stress you more. Sort this out as quickly as possible as this will affect your credit history.

If you don’t want to tell them your current address it is fine, but do, do answer the calls (far more easier and quicker way to solve this). Explain the situation you are in and where you stand at the moment, after all they will not bite you through the phone…Once they know your situation they will hopefully stop bothering you with the calls. Good luck, let us know how it goes.


Kind Regards.

Culex

Competetive wrote: »

I don’t think

In other words, you're a typical student? :rotfl:

Competetive

what made you think so? you are correct:p

Culex wrote: »

In other words, you're a typical student? :rotfl:

Capo86

Hey folks

Thanks a lot for the advice. I called up Allied International in the end and tried to discuss my situation with them. I have £854 outstanding, and they've offered me a £600 settlement. I asked for a monthly plan and after going through my expenses they offered a £100 a month payment plan, which I said I would think about (but really can't afford to pay). They told me to think abuot it and call them on Friday. I'm a little bit nervous and not sure how to treat them. I don't have any proof or offer in writing from them, they could just take my money and continue chasing me. Has anyone successfully paid off their debt through a DCA successfully? What should my next step be?

Cheers

Tixy

Hi

Have they provided any written proof of this debt yet? If yes then your next step should be to work out what you can afford to pay monthly (not what they say you should afford) and then write to them to say that is all you can afford each month, enclose the first months payment and then ask for their bank details so you can set up a standing order for future months. If its still £45 you can afford then still offer the £45.
Its always best to deal in writing as you have proof of what has been agreed and they are less likely to try to bully you into paying more than you can afford.

If not then you need to get them to send you proof of the debt and then follow the above.