Are Triton Credit Services Debt Collectors hassling you about an outstanding debt? Are you unable to pay the debt? Are you being advised that you may be taken to court? If you relate to any of these questions, this article is just for you!

It’s not your fault. Complaints to the Financial Ombudsman have risen this year from 830 to 2,006, so it’s safe to say that you’re not alone.

Deal with your debt today and feel amazing tomorrow.

Triton Credit Services Debt Collectors

Who are Triton Credit Services Debt Collectors?

Triton is located in the UK and provides professional debt collection services to clients throughout the UK, the likes of which include Royal Bank of Scotland (RBS) and Natwest. The company also offers professional debt management advice and was established in 2000.

Read what to do if you can’t pay back your debt.

Don’t worry, here’s what to do!

You could get rid of debt collectors by writing off your debt. I’ve put together a 4 question debt calculator which will tell you if you’re eligible:

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This 4 question debt calculator will tell you if you’re eligible.

What is the total amount of your debt?

fight back when you get a debt collection letter

What is the reason Triton Credit Services Debt Collectors are contacting you?

If Triton Credit Services Debt Collectors are contacting you, it means you owe money to an organisation, and they are chasing it on their behalf. They buy the debt from another organisation, and they don’t make a profit until you pay up! Hence the constant contact to pursue the debt.

If you are struggling to cope with the contact from Triton Credit Services Debt Collectors you are not alone. Many debt collectors act in a way which is not acceptable, and their contact can often feel threatening and attacking. The Office for Fair Trading (OFT, 2010) have said that unfortunately poor practices seem to be common within debt collection companies.

Is this your debt?

Before you even think about paying the debt, you should make sure it is your debt. Debt collection agencies can sometimes get it wrong, and may be contacting you about debt which is paid off, or isn’t even yours. You should always get confirmation – particularly if you don’t recognise the debt.

Triton Credit Services Debt Collectors should be able to provide you with a copy of the original credit agreement. If they fail to do this, you do not have to pay it back. They should always be able to provide this, if they are legitimate in their practices.

Are you struggling to pay the debt?

If you owe the money, you have a responsibility to pay it. If you are struggling to pay, Triton Credit Services Debt Collectors should be willing to allow you to set up an arrangement to pay it back in monthly instalments. They may ask for proof of your income and expenditure though.

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Is all this information starting to feel overwhelming? Don’t panic! I’ve put together a 4 question debt calculator so you can quickly and easily find the best solution for you. Answer the four questions now.

How debt collectors can affect you

Debt collectors often use a range of tactics to try and get you to make repayments to your debt. This may include constant phone calls and text messages which drive you to the point of despair.

As Triton Credit Services Debt Collectors and other debt collection agents can make debtors feel stressed and anxious, there has been pressure on the government to crack down on irresponsible lending, and they have done this – to a degree.

Triton Credit Services Debt Collectors and what the law says

The Office for Fair Trading (OFT, 2012) published guidelines as a result of bad practices from debt collection agencies, and there are regulations they must adhere to. These include:

  • Treat debtors fairly and with respect, without showing aggression.
  • Ensure all information is clear and concise, without room for confusion.
  • Be considerate and understand the difficulties faced by the debtor.
  • Take the debtors circumstances into account when determining how to deal with the debt.

If Triton Credit Services Debt Collectors are failing to follow the guidelines issued, you have the right to report their behaviour to the OFT. If they deem it appropriate, they may remove their license.

You can make a complaint against Triton Credit Services Debt Collectors, via this online complaint form.

When dealing with debt collectors, make sure that what they are saying is legitimate – and that they are who they say they are!

Steps for dealing with Triton Credit Services Debt Collectors operates

These are some steps you can take to deal with Triton Credit Services Debt Collectors.

Pay off the debt

If you can afford it, the best step is to pay off the debt you owe Triton Credit Services Debt Collectors. If you can’t do this, then you may be able to arrange a partial payment, or failing that, you can enter into a repayment plan, where you pay off a certain amount each month, until the debt is fully paid off.

When dealing with Triton Credit Services Debt Collectors stay strong, and don’t arrange to make payments which you can’t afford, and will leave you unable to pay your usual bills and expenses.

Keep in touch

If you arrange to make repayments to Triton Credit Services Debt Collectors, you should ensure you stick to the payment plan. If you are unable to make a payment, for any reason, you should inform the debt collection agency in advance of the payment and inform them.

If the debt collection agency are failing to follow the OFT guidelines, you should inform them that you plan to contact the Financial Ombudsman about their behaviour.

The Financial Ombudsman is available by phone on 0800 023 4567 or 0300 123 9123

Keeping your cool when the heat is on

There are many tactics deployed by debt collection agencies, and they key to dealing with them is to keep your cool. The more stressed you get, the worse it will be, so always try not to get stressed when discussing the debt.

You are not alone when it comes to dealing with debt collection agencies, you can report threatening behaviour to the OFT using this online complaint form.

What if they talk to other people?

It may seem reasonable for debt collectors to speak to your partner about your debt, but this is illegal and a breach of privacy laws. If they do this, they are breaking OFT guidelines, and privacy laws and you should definitely report them.

The Financial Ombudsman will be happy to discuss your issues on 0800 023 4567 or 0300 123 9123.

Sending in the bailliffs!

If Triton Credit Services Debt Collectors are threatening to visit your home and ‘send in the bailliffs‘, this is not permitted and you can contact the police if you feel threatened. Do not allow them to access your premises, under any circumstances.

Dealing with stress

Debt collectors can be relentless, and can leave you feeling deflated and stressed. If Triton Credit Services Debt Collectors are contacting you persistently, and you are getting frustrated with the contact, you can stand up to the behaviour. It is important that you get out of debt, but you must stand up for yourself and not let them get you to the point where you can’t cope.

Do you need debt help?

If you are in debt and need help, luckily there is lots of help available. There are commercial debt management companies who will usually charge you for using their services, and not-for-profit organisations. You should go to the not-for-profit organisations first, as there is no charge to use their services. These are some of the organisations you can choose:

  • Citizens Advice Bureau (CAB) – offer help with a range of issues, including getting out of debt.
  • Christians Against Poverty (CAP) – provide free debt help and support.
  • StepChange provides free online debt advice and assist people with taking charge of their debt.

Enter into an IVA

If you are struggling to pay your debt, there is the option of writing a lot of it off through an Individual Voluntary Arrangement (IVA). With this formal agreement, you arrange to make payments to some of your debt, and the rest is written off. You should be cautious with this option as you will not be able to get access to credit for some time after you enter into an IVA.

Find a local licenced IVA insolvency practitioner here.

A Debt Relief Order (DRO) is another option. With this option, you must have a budget of only £50 left, after essential bills are paid.

To apply for a DRO you should go through an authorised debt advisor. You can find a list of authorised debt advisors here.

Getting help

There has been a lot of changes to the legislation regarding the way debt collectors operate, but despite this, many still act in a way which makes debtors feel threatened and/or distressed. If you are feeling this way due to the action of a debt collector, you should contact the Financial Ombudsman and make a formal complaint.

Triton Credit Services Contact Details

Company Name: Triton Credit Services Ltd

Other Names: The Royal Bank Of Scotland Public Ltd Company

Po Box 5827
SS14 1XS

Contact Number: 0843 557 0065


Numbers they call from:



CONC 7.3 Treatment of customers in default or arrears (including repossessions): lenders, owners and debt collectors

CONC 7.9 Contact with customers

About the author

Scott Nelson

Scott Nelson is a financial services expert, with over 10 years’ experience in the industry, including 6 years in FCA regulated companies. Read more
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