As attached are my docs from Creation

creation33.pdf

so this is now paid off?

dx

no, why did you think that?

ok full story then please

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?

well as wit the satans debt

its still with the OC

so let things run

are you getting regular statements?

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

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

The paperwork above looks all legit though? ie they could take me to court if need be?

thanks for the reply

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

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

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.

OK, i cant write to the CRA to ask them to put it right until ive heard from Creation can i?

or shouldnt they report it right in the first place?

thanks

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

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....

guessed right then...

still continue with the default complaint mind to creation

changes nothing on that front.

have lowlife written yet ?

dx

Creation sent a letter from them along with their own letter

so just the notice of assignment then.

good

So if i cca lowells ill just get the same as i got form creation so no point?

Just keep paying it for now?

thanks

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

so what happened about the default complaint then?

dx

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

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

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

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

so what letter did you send them?