Oh, and I quickly saw on this thread a mention of "three types of interest". in most cases one would be cash interest, another would be purchase interest and another would be *special* interest such as low interest on balance transfers or maybe a promotional interest rate for certain purchases.

Hey Burlyb, I got a private message from you but could not reply so I found this thread to reply to.... hope this can be of use to yourself and maybe others.... think you were enquiring about creation financial services PPI.... here was my attempted reply; Hey mate, it's been ages since I worked there and I have no idea if the course of action suggested to you is of any value or not. The best advice I can give is that they need to prove in writing that you requested ppi in the first place so if you request a copy of your initial application that might be one line of enquiry open to you?? I can't remember what the process is called but apparently in the U.K. you have the right to request the entire record of your account (for a fee) which I would assume includes the original application. You may be extra lucky as Creation actually have a gap in their files at a certain point which means they're screwed if they come up against clients that were signed up in that period of time *** If you originally applied for a store card or applied for a credit card in store then be warned that the storeperson who actually signed you up may have ticked the PPI box "by default" and in this case you would actually have signed and agreed to this item.... it may seem unfair but that's the whole point of reading what you are signing for. - although you're likely to be peeved off if you fall into this category you may be better off giving up there as basically they have the proof they need (unless you kept the carbon copy of your original application and it shows otherwise) not sure if this is of any help to you but good luck

heya, if you were given the details of how to pay the bill over the phone it was a common mistake for operators to give the details of a bank account used for balance transfers (when you swap a balance from one card to another)... so would not be received by them. Although you are very likely to be in the right the initial payment is likely to either be sent back to you bank or kept in one of their holding accounts until they can work out where it was meant to go! best way is to call them up and provide ALL the details of how the payment was made (including the acc# it was paid to) so they can search their accounts for the payment. also note that when I was there they generally only ever reversed ONE late fee as a 'good will gesture' on each account so if you end up getting a series of late fees coz of the initial late fee you will need to push quite hard to speak to a supervisor and lodge a complaint with their customer care department. (even a supervisor will only reverse one maybe two late fees) - the good thing is that once you tell them all the details they WILL consider the payment as valid until they finish looking for it

Heya, the thread you are refering to was started by someone with a similar alias, I simply jumped on the bandwagon as we both seem to be ex-employees. To answer your question; creation manage store cards for selfridges, brantano, mkone, faith, ann summers. as well as others which I now cannot recall. Credit cards managed by them include adams, jjb sports, football club mastercards (such as everton, wba, etc...) as well as credit cards for several mail order catalogues which I forget the name of now. they also have their own brand "duet" mastercards which come in several varieties. Note that the JJB card is a mastercard and no longer a storecard. Creation still manage the old storecards however new jjb accounts are mastercards. The 16-digit account number quoted by mackenzie hall can help you work out whether it is a storecard or mastercard (6319 - store, 53xx - master) and if you speak to someone with experience at creation (ask to speak to a supervisor) they should (usually) be able to tell you from the first few numbers the "brand" of card. please don't give them a hard time if they can't though if it's a really old brand it could be hard to remember! From working with creation my reccomendation with this account would be to either; 1. speak to mackenzie hall and request details/statements for the account as anyone you speak to on the phone at creation will only be able to advise you to do the same. 2. write to creations customer care dept and request the same - I cannot guarantee that this will be helpful though as I do not know if they are able to do anything. hope this helps!

RE : babygirl10873 Hello babygirl10873. The PPI insurance you are mentioning has been cracked down on by the FSA and the new regulations state that ALL credit applications must have a SEPERATE signature for acceptance of insurance. Unfortunately for you (and many others!) before this amendment was made it was acceptable for a single ticked box to indicate the consumers acceptance of insurance.... obviously to increase sales figures store assistants were possibly able to tick this box (on your behalf!) without telling you how it will effect you or even after you have signed!. If you have already sent off your S.A.R then hopefully you have recieved a reply by now. Check to see if they have included a copy of your application with your request (as they are required to do.) If they have not sent this to you then your next steps should be; 1 - call their call centre and ask to speak to their insurance department (try to avoid lunch time as their insurance dept is not very large) or write to their customer care department. 2 - request that either they send a copy of the original agreement to prove your acceptance of insurance or if they are unable to do so refund the same as obviously they have no proof. 3 - If they ARE able to provide the agreement still look closely and check if there is anything you feel is unusual (is the tick accepting insurance made in a different pen?, did you fill out all other sections of the form and the ticked insurance box is noticibly different?, etc...) Always try to push that little bit further if you can when disputing and if all else fails put it into writing again to their customer care department