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    • Hi LFI, With regard to the ANPR cameras in your post #65, while I was on the phone to the Planning Department, they did take a look at Google Streetview and went back to 2012 where they could see the ANPR cameras in place so therefore they would have deemed consent. I had previously read the T&C Planning Regulations and had read the section on deemed consent so I understood the point they made on the phone. It doesn't matter though, that doesn't harm my case any, and I shouldn't really mention this now, but in the past I was a member of a scheme that gave me access to legal advice, I have spoken to a barrister previously through this scheme on another matter and I think I am still a member. I am going to check and if I still am,  I am going to discuss my case with a barrister or solicitor, whichever the scheme deems appropriate. I will let you know the outcome. I am also going to take Bankfodders advice in the sticky and go to the local court and ask if I can sit in on a case in the Judges office.
    • deed?  you mean consent order you and her signed? concluding the case as long as you nor she break it's conditions signed upto? dx Yes sorry. they called it a deed at first in court.  Then Judge said she was happy to have it sealed as something else  exact names of orders in message above.     The disease was tested for when his cardiac testing was done immediately after purchase and part of the now sealed case.   However, results were disclosed incorrectly and I only found out  two days ago.   This disease did not form part of my knowledge during the case as I had been informed of a normal result that was not the case.   it is perfect clarity of a genetic disease where as the previous cardiac issue could be congenital until the pup is genetically tested. 
    • Hi, Halifax recently sold a credit card account of mine to Cabot. I am unemployed and have no assets and was thinking of making token £1 payments for 12-18 months in order to drag things out a bit and reduce the chance of Cabot being able to get the correct CCA documents from Halifax if I requested them in future. However, I saw on the pages on this forum about defending county court claims that one of the standard approaches when defending such claims is to say “I had an account with bank X, but I don’t remember the details and so don’t know if I owe this debt…”. If I made £1 payments to Cabot, would it prevent me from using such a defence in future? OC: Halifax DC: Cabot/Wescot Card account opened: 2016 Defaulted: 2023
    • Paperwork says sealed consent order and composite settlement agreement      YES  ADDISONS DISEASE 
    • Hi, This may be the wrong place for a thread BUT If you receive a defence, can you send a CPR 31.14 request for document mentioned in the defence, and then apply to proceed with the case only after (14) days passed or they respond OR is it only if you receive a claim I see @dx100uk thread is for when you receive a claim, but can you also do the same when you receive a defence?
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    • We have finally managed to obtain the transcript of this case.

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Creation Personal Loan Debt Help Needed!!!


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Hello

 

Creation ….what a nightmare

I sent them my new offer at the same time as all the others, they said on 16th Oct they were putting account on hold for two weeks so that took it to 30th October to allow time for letter to arrive, review it and reply.

 

Today not even a week on they leave me a message advising account now off hold!

I rang them and could make no sense they say yes account on hold but not on hold?????

 

Do I ignore them and wait for them to reply to letter as quite frankly I don’t trust them and at least if it’s all in writing I know where I am?

Or should I call them again?

 

I ended up hanging up on them today after they put me on hold for 17 minutes!

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You should never ever be discussing your debts over the phone with anyone!!

Leaves you with no written proof.....

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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Let it run

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 weeks later...

if you need too. move on to letter 2 £1 for life or do as I ask

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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Hi I have a personal loan with creation which I cannot afford anymore I went to CAB and got advice, wrote to Creation saying please note my circumstances have changed please freeze interest and charges..... they replied saying yes account on hold please forward income and expenditure details.....

 

I sent them in (I sent them in at the same time I wrote to other companies who all but one have accepted my new offer each month which are significantly lower than the actual payment), Creation confirmed account was on hold but two days letter took it off hold with no explanation, they are saying that they have not got my offer letter and income and expenditure form despite sending it the first time with all my other letters and a second time on it’s own....

 

I asked if I could e mail it to which I was told NO! I have been doing everything by letter but rang on one occasion to ask about the e mail address, they took the opportunity to tell me I have to send in wage slips and bank statements which CAB said absolutely not at they will use them against me to try and up my payments.

 

Can anyone offer advice or have experience with Creation?

Edited by Andyorch
Paras
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Have you proof you sent these?

 

 

ALWAYS ALWAYS obtain proof of posting as a minimum.

 

 

If you haven't proof you sent them, then I'd send the i&e form again with a covering letter explaining your financial difficulties and your offer of payment.

 

 

 

If they refuse to assist then you drop their payments to £1 a month whilst you lodge a formal complaint and that's dealt with.

 

 

 

Is this an unsecured loan?

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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I've moved a couple of post over from your other thread so the story makes sense now.

 

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

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