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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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Creation Consumer and Drydens different information blaming each other for extra 1500 debt added


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Hi, thanks in advance for looking at my post.

 

Basically, in 2006 I took out a buy now pay later deal through land of leather with creation. land of leather told me i would be contacted when i needed to start making payments but never did. after taking out this deal i went through a rough patch after having a prem baby and becoming a single parent in the space of a few months with no job and was extremely depressed and i forgot about the sofa payments.

 

the next i heard i had court papers, i contacted creation to ask if i could start making the payments asap and they told me i had to pay the full amount plus the interest i would have been charged or they would register the ccj. i couldnt afford to do it and the ccj was registed and a charge was put on my house.

 

anyway, the house is being sold, its meant to exchange next week. my solicitor has contacted creation for a balance and it is 5139.19!! the sofa originally cost 1495 and i took a 2 year warranty 240. on my credit file under creation it states 3639 and they have logged every month since 2006 sustained arrears.

 

i contacted creation to ask why the balance is so high, they told me it was now with drydens. i called drydens, they told me the 5139.19 is the balance creation had sent to them and they had never added any fees and didnt have a breakdown. i recontacted creation and i was given the balance of 3638.55 and they told me any other fees must be drydens adding them. i am so confused and neither company is offering to help me or give me the information i need. i am about to lose my buyer.

 

please help me :-(

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Ok thank you, I do not have any references or anything though, can I just put the property address? Is there any way of hurrying them up so I don't lose my buyer and incur fees from the solicitor etc.

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Ask your solicitor the best solution.

 

Can your solicitor hold (e.g. The £5139.19, and some more to cover interest) on your behalf, from the proceeds of sale, giving an undertaking to Creation this will be used to settle the CCJ once the correct sum is clarified.

This might persuade Creation to allow the sale.

Or, similar but giving an undertaking to the buyer's solicitor the charge held by Creation will be satisfied.

 

They can then transfer to you anything left over from the proceeds of sale.

 

Then the solicitor can write to both Drydens and Creation to clarify the correct settlement sum. If there is then anything further left over they can then release it to you.

 

Ask your conveyancing solicitor for advice, and if this (or similar) would be a solution. You may have to pay them to do this, but will it be less costly than risking loosing your current buyer?

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Hiya, thanks for the reply again. My solicitor has not been great with the whole situation to be honest. I can hardly ever get hold of her and she never calls me back. She told me the sale cant go through until the charges are lifted and I doubt Creation will lift the charge for that to happen :-( This is stressing me out so much! Creation are meant to be calling by 12pm today, but I bet they dont!

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