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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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Lowell and Creation Finance CCA return for ScS sofa Purchase


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so this is now paid off?

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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ok full story then please

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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well i was paying all my debts but then my gf lost her job and i couldnt afford to pay them all,

after about 6 months we decided to try and get help.

 

Payplan seemed ok so we decided to use them-

btw they are absolutely terrible and i dont say that lightly

and ive been paying what we could afford every month

but as things have been getting tighter

 

 

I decided to see how i could try and offset seom if possible

and that led to me posting on here where you said to send the cca requests

 

Do you need to know anything else?

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well as wit the satans debt

its still with the OC

so let things run

 

 

are you getting regular statements?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 2 months later...

Hi

 

Yes i believe so, the reason im writing today is:

 

Ive written to Creation to tell them im not using payplan anymore and they evetually got back to me saying my "account is currently with lowell" in Leeds and to ring them and ask for payment options

 

So my question is, if they still got the CCA stugg they need to take me to court, why pass the debt on or at least get a debt collection firm to handle it??

 

I thought they only used such firms if they thought they couldnt get any money from me??

 

thanks

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No

Other way around

They use or as they have done here

Have sold the debt to lowells

 

Because they don't want to enforce the debt

 

Urm.. Something smells here

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

might not be the only reason

but lowells don't chase debts for others

they buy debts and then chase

so somethings a miss.

 

 

let it run for now

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

Ive just re checked my credit file from earlier this year and Creation are the only [removed] who saw fit to use red marks against my account!

 

All my other creditors still obviously note the default date but it stops there?!

 

Im trying to get a mortgage and this wont help

 

2 things - can they do this?

if so why havent my other creditors done it

and also with my 6 year from default date coming up soon or early next year,

im now worried that my credit file wont be "clean" as id hoped

 

 

it would as if these [removed] keep doing this it will show up until its paid wont it?

 

thanks :-(

 

Screen Shot 2016-09-26 at 17.28.54.png

Edited by dx100uk
behave - dx
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you send them [creation] a letter

and get them to mark the debt as defaulted on the third missed payment date

else you'll complain to the ICO then.

 

 

that way it wont matter what they put.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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they wont

its creation that needs to do it.

 

the ICO states it is unfair to mark a debt for so many years without a default

 

have a read of the AP marker threads

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 3 weeks later...

i just got a letter from creation saying they sold the debt on the 29th July this year.

Creation had written to me on the 1st june i think with (if it was) the CCA request details.

As said before those details didnt include any t&c only the signed copy of my agreement.

 

So now im wondering, if that signed copy didnt actually fulfil the CCA request (as it didnt contain enough info as there should be) so they ve sold it on.

 

 

It says the total sold on was £1410.16 which AFAIK was the owed amount but they obviously didnt pay that for it.

 

Should i now request that lowells provide me with a copy of the CCA request? As you have said before DX, why sell it on if they can take me to court and it was getting paid up til that point.

 

Hmmmm....

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guessed right then...

 

still continue with the default complaint mind to creation

changes nothing on that front.

 

have lowlife written yet ?

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

so just the notice of assignment then.

 

 

good

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

  • 2 months later...

Hi guys

 

Can someone look at this image please and tell me if my Credit file should look like this from Creation. This was from a few months ago, so id imagine a fresh copy shows red marks up to todays date.

 

As you can see they are still showing me as defaulting every month and the default date is the current month! not 6 years ago when it should be

 

None of my other creditors do this -im still waiting to hear back from Creation about this

 

thanks

Screen Shot 2017-01-11 at 11.51.09.png

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so what happened about the default complaint then?

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

They wrote to me yesterday saying they had written on the 23rd Nov but i never received that.

 

They say they've checked and their team says the default date is right!

 

I said - are you telling me that you (Creation) don't know or haven't sent this info to Equifax??

 

They also said as id not replied they'd closed the case.

 

 i wrote back to the complaints address on their letter and sent a copy of the image above.

 

The day before i got their letter id emailed the ICO and they rang me today so i updated them.

 

I didn't realise id already posted a similar pic,

 

my reason for asking was to query if its allowed for a creditor to give that info,

ie showing im in default every month when i've only defaulted once

 

No other creditors do it so surely it cant be right

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no the account is in default is it not

so they will mark it as such.

 

however they should have issued a default on the third missed payment.

go read those AP marker threads I pointed you too.

 

I thought you'd done the complaint post 12 in September!!

 

did you send the complaint letter

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Share on other sites

That was around when i wrote it i think!

 

Yes its in default, no denying that but if it was in regulations surely all my creditors would leave my file like that id have thought anyway

 

AP marker threads? cant see any reference to those

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post 14 use the search cag box of the red top toolbar.

 

so what letter did you send them?

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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