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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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