More from NatWest/Triton

[psirius]

And I have a letter from Triton Credit Services (a trading name of RBS, apparently), saying that they want "immediate collection" and "to avoid further action".

These guys move fast! They don't give time to reply to one before issuing another! It suggests they think they will 'nip it in the bud'!

[ceylon]

any question?

[mescalito]

Hi all,

i delt with triton, they closed there file and now natwest are saying they see no reason why they shouldnt look to me to recover the debt. that was about 3 weeks ago and no new letters, im guessing they are gonna pass it onto another debt collector soon, alot of good that will do them, but hey thats there standard routine aye

[ceylon]

if they do ad my extra bits that will end it.

[psirius]

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!

[psirius]

Oh and when do I send an Estoppel? How much time after the last communication? Just wondering because mbna haven't said anything for a couple of months!

[ceylon]

right a lot of info and questions there if i dont get them all ask again.

first for me the solicitors use debt letters and get them in a agreement with the tacit.
everything above that is just threats.
best time if no contact is about 4 weeks so if longer do it now.

think thats all if not let me know.

[grifflaw]

It is not the crdit card "agreement" that constitutes the bill of exchange but what they purport to "lend" you, that is cash - promissory notes. They ARE governed by the BOE Act 1882 and don't let anyone bullshit you otherwise.

[ceylon]

grifflaw nails it again for anyone that is unsure, nice one mate

[BLT]

Well defined griff