l would write to the complaints department, confirming your father had always settled the account.. He would got statements monthly statements, showing nothing is owing. When the item was delivered had someone signed for it. You may find they had added charges.. Also his bank card should show it had been debited... Years of loyal custom, does not registered with them.. They are not very nice part of the company Not so Reliable company. Not sure, the cca will do anything, as he always paid up apart from this hiccup, someone maybe more knowledgeable that myself may help good luck

We settled with JDWilliam, last september 2010, the account had been paid off... We had a letter stating this. We got a statement, with NIL balance, since September we got statement asking for money we kept ringing them up to tell them it been paid and nothing owing, They said so sorry it is a mistake, l got them to take us off their data, etc.. Now we got a statement saying we will take you to Court Action warning, for non payment of this debt, in capital letters it says outstanding balance.0.00. This may mean baliffs, debt collector at our door etc..Again another phone call she said sorry it is an error.. 14 feb 2011. On 28th of Feb, In big Captail bold black letters, Your account is now going to be reassigned This will result in court activity or Debt collectors calling you at your home. Take notice unless you make a payment towards this debt, in the next seven days an appointment will be made for a debt collector to call you at your home.. Failure to respond this will result in a default being registered on your credit file.. they said they will charge us £12.00 added to your balance.. Another phoned to them again, the girl said its placed in the wrong dept, she moved it to another dept l would not get any more letters, I said if l will report them to OFT... I asked why she said because we got defaults, that why they chasing us.. which l think madness.. What is your advice if they still send these letters, etc thank you

did you look at the protection evidence, l would question it, as l thought ireland is part of the uk, maybe more knowledgable people on here will advise you more Now l would ask do the postal order for a cca, to trition, they will pass it on to the mint company, you need template for the cca, again do not sign your name, only print it, as its allegely known for debt collectors to copy it on to a cca.. now if they have a copy, they can use it, in a court of law, but without one, it becames unenforceable in court, again more knowledgable people can help.. You do need a expense form, if you paying something towards your board at the friends address, how did they get your parents address? or was you living there at the time.. It is great you are trying to sort out your problems, with trition, you could do with an email address rather than communicate letter as you not sure where you are going to live.. as you are based temp at a friends house.. l hope you find work and a new home too best of luck

did your mint card have protection on it, if you got reduntant it may that it would pay for itself through card protection.. Trition are terrible to deal with.. now first do not give telephone, if they do ring you, tell them you want written dealings with them. so you got it in black and white which would be in your favor. . .Tell them you are struggling, that you can only send them X number of euros..If they keep ringing you, tell them you will report them to OFT for harrisment. l would use a postal order (because we had to use a basic bank account no cheque book. etc)Trition is a collection debt agent.. l have dealt them we had a visa with RBS.. our debt was going back years, so they could not trace a credit agreement, so the debt was unenforceable... how long have you had the mint card? If you ask for a cca credit agreement, they may produce it, them the debt will be have to paid.. but others can advice more on this.. We went to payplan for our debts. they helped us a great deal.... If you have to go to court you will have to prove what your expenses from week to week, they will have to obey court etc.. But they would incur far more money to go down this route.. I would ask them to suspend all charges and interests to the debt.. Tell them you can only pay that amount.. and send that amount each month, or when you pay it.. they will back down after a fuss. But l would try to get a cccs to handle your problems or go to cab, see what they would advice.. best of luck if you go down the cca do not sign your name on anything, Print it only x

sorry l missed this thank you, we going to do a sar, ty sky xx

we asked barclay card to freeze payment and interest, but it was in the middle of the dmp, we sorry to say niave we did not understand that there is a penalty for being in a dmp, that interest and charges we will ask Payplan after christmas as the office is now closed. Am l right l need ten pound postal order to send to barclay card and any other creditor, for the six years facts and figures.. We would not know what is fair or not, can you give me a brief idea what we could claim for.. thank you for the help merry christmas

we are with Payplan, its came to the end of term, so they asked barclay for uptodate figure, we still owe 700+ interest and charges l feel this is what it is.. We would like to ask can they add more interest and charges to the figure of above.. same with other creditor RBS, can they do the same. How would we know what is fair...on charges and interests... would it be possible to ask them for break down on these figures, to work out when they applied them against a payment going in... after seven years, we found another 24 months to go.. we are very upset that it was not waivered, as we never missed a payment to all creditors in the seven years... all the very best for the season... ty x sky

when you put things in writing PRINT your name, as they could lift the image if you sign your name.. You willl get a letter from RBS, telling you that there is no agreement, if they cannot find it... that they would cancel what you owe.. best of luck..

I would think there is a settlement figure, though you are paying part of the total figure so that is right, l would want it in black and white that this bill will be settled nothing owing etc.. l would hope that some more people more knowledgeable than me, will answer it... good luck,

we never got total of a termination, just a letter from Triton, we did a cca, they could not find credit agreetment with RBS... so it was cleared.. They are very nasty to deal with.. it with the help of consumers forum.. many thanks to them.. We are two payments now in ending our DMP, with payplan.. They said if we owe some more as in interests charges, we still be with them. fingers cross. both stay or creditors cleared all balances nothing more to be paid.. we live in hope for the latter best of luck those who are dealing with Triton, of course all debts.. too sky xx

Thank you for your great advice, we know how much the balances were from the very start of the dmp, when we filled in the forms to payplan. We know that Barclay had agreed to freeze payments to the account. We had not a statement from them for years.. Until they started to send them this (about under a year) why we know that they have given us charges and interests.. RBS, the same, we did not know that they would be adding charges or we was so naive not expecting it... IF the worse case we have to deal with them, how do we go about sorting the charges etc.. We never missed any payments while on payplan x ty sky x

Hi friends, any one had a DMP with payplan, we owe just under two more payments... after seven long years.. now our balances are not the same as some of our creditors, l know they will approach them, see if they can cancel them out.... l would not like to be with out a safety net of Payplan.. when we may have to deal with these creditors on our own... any advice will be grateful..I think its due to interest payments and charges.. if we have to deal with the creditors who refuse to waiver the interest and charges which have been made since going on a dmp....could we pay them the same as we did with Payplan.. the ones we may have a problem with is Barclay and RBS, they amount to approx £800.00 and £600.00.. if this is so we would be stuck for another couple years paying them back,, We not sure how the benefit system will work next year due to the changes. Please can you give us some advice how to approach the creditors who refuse to cooperate with payplan.. ty sky

If they phone you again, tell them to stop hasselling you, then report them to oft, tell them communication only in letter form... brrr, they are so horrible.. do not give them time of day, again on the phone.. or, if they do ring you, tell them just a mo, put phone down. five ten mins later hang up they get the message.. I done it to cold call customers.. they got that message too, hope a sars will do the trick.. all the very best sky xxx

hi Lisac first click on this link http://www.consumeractiongroup.co.uk/forum/showthread.php?48047-Triton-Credit-Serives-Why-don-t-they-listen read zootscoots posting It will give you an idea.. what you will need for triton letter....To me l believe you rather than Trition, I put the onus on them to prove they had not got any payments, from you....in writing..from them....If they found out to be lying, I should think this is a no no... Write to them, sorry if you already done a letter.. Stating you deal with them by letter only.. tell them, the offensive manner you was treated, by saying you are liar, etc on the telephone etc .. That you do have proof of payments made, if they wish to see them you will send photocopy of dates and reciepts etc.. do not sign ur name Print it.... Lets see if they ask for them by letter.. Some of these letters from places like Trition, they are standard incline to scare people etc.. Research here.. they will help you... to understand their reasoning, etc.. Because agreement plan, is been made... You did not break it.. The proof of the debt is the ulster bank credit card.. Trition is acting for them... Look at the reference number, of account, it may match.. You may need proof of all your out goings, like bills, etc.. So they can see what you can afford.. priorty bills etc... Look for the sticky for budject information... with or without a dmp, you would work out what you can afford after you taken all bills that have priority like major bills.. research trition on here, it will give you some idea, what they are like and what you can do to cover yourself... I know that you want to pay the minimum, they will keep trying to push you to pay more etc.. I would still advice, you to go through a dmp.consumer debt line.. free one... You can also ask for a booklet to be sent to you.. Explaining the debt or debts you have... It would be in your favour if you did this it is tough, but you do not want the hassel of Trition... They will have to adhere to any Dmp.. otherwise they can come upstuck.. hope you can understand this, best of luck to you hugs sky xx

hi lisac First do not worry. easy said than done. Have you a repayment plan with any consumer debt groups. like payplan etc.. Do you have the agreement of the plan, in a formal letter..IF you have to speak to them again Stating from now on you will only be by communicating in letter form only..Do not sign your name, print it only, How long have you been paying £100.00 euros to them. I know lot of questions, but it will help us to help you.. Also, do you know whom Trition is acting for what credit company.. How long the debt has been owed.. etc.. Green lawyer letter is standard.. .. First you may have to supply a Financial statement. like Income and Out Goings, your main debt is the rent/mortgage. council tax, tv liences. electric gas utitlies food, .. If you are having problems with creditors, then seek consumer debt groups. like Payplan etc.. or citzens advice group will be a big help.. Now. Trition can be nasty demanding, scary.. Do not argue or agree with them.. if they keep ringing you will speak to them in letter form only... Also you can put that your in dispute with Triton, to Green lawyers, over missing payment. which you will have to show record off. How do you pay this? is it in cheque, or postal order?? post order is good, why cos you got paper proof.. They cannot get to your bank account if they acting for same bank as you are in.. Hope this helps you a little bit... Then if you can give us more information.. best of luck... hugs sky xx