Triton didn't like my first letter and sent it to NatWest Recoveries Team. The Manager of the 'Team' has written on 7th Sept to say again that the credit card is not governed by the Bills of Exchange Act and that a verification of claim forms no part of UK Consumer Credit Law.
She says: "You appear to suggest that a Credit Card Agreement could constitute a Bill of Exchange, this is incorrect. The Bills of Exchange Act 1882 s.3(1) sets out that:
"A Bill of Exchange is an unconditional order in writing addressed by one person to another, signed by the person giving it, requiring the person to whom it is addressed to pay on demand or at a fixed or determinable future time a sum certain in money to or to the order of a specified person, or to bearer."
A credit car clearly does not fall within that description"
She goes on to say that she is "satisfied that what you lawfully owe us has been set out in details and I do not consider it necessary to meet the unreasonable request you have now made"
She also says that "Trition Credit Services are not considered a third party company"
On the plus side she says she has removed my telephone numbers from their records and requested Triton to do the same!
Any recommended response to NatWest?
Now I also have a letter dated 3rd Sept from Green & Co Solicitors, who are instructed by Triton C.S. and employed by RBS group. They say they will "commence court proceedings ...without further notice".
What is the recommended response to Solicitors in this instance? Any at all?
What are they doing and likely to do? Any experience of this?
I'm sending off the 2nd Triton letter, and will continue to the 3rd.
I'll appreciate any advice given!