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  1. Morning both Thank you for the clarification and update @theoldrouge . I've been behind the scenes looking for an independent engineer. Wasn't so easy tbh. I have one on the cards and another company who I want to use but they are away till Monday. I hope that by the end of next week I can instruct for the assessment to begin. I've been given a price if £750 so far. Can I check that this is a standard looking price for this sort of thing? Fyi to date the finance company still hadn't gotten back to me . Much thanks
  2. Hi There, Let me know what you think? Pcp, docu sign, signed agreement, reconstituted copy of notes. Doesn't really tell me anything, apart from confirmation of pcp. Would like some help in terms of how the body of my complaint to FOS should go. Thanks docs (1).pdf
  3. OK bear with me, I'll get the docs over ASAP. In regards to the dealer asking for my physical presence to confirm identity, could I just send them my drivers licence?
  4. Good evening Have something of nothing really to tell BigMW - I received an email yesterday from the business manager requesting that I attend in person...rather ironic considering I'm imobile hhmmm.... " If you require further information could you please come to site and present valid ID. The purpose of this is to prevent fraud" I would deem this an unreasonable request!! Firstly it's taken 36 days to respond, why isn't my drivers license feasible? Please advise here Creation Finance - Received Docs from Sar request - Doc confirming pcp attached....What do you think? Further to the above, I should have heard back from their investigation (20/05/2022) . I've heard absolutely nothing! Do I at this point send a nudge email to them or just go straight to FOS regarding both parties? Thank you PCP contract_.pdf
  5. Hey, Just so I'm clear! So I should hold fire on sending a reminder of obligations letter to BIGMW?
  6. Good evening, Thought I would give a little uodate in that the dealership BIGMW have failed to respond and ignored my SAR request. Will send out another letter tomorrow I'd be grateful for any links to letter templates of this aspect. Thank you
  7. Noted! I'll comply today. Nope I've not moved at all. How does the one calendar month work then, as their working to their own timeline?
  8. Evening I need some advice. Received a call today (couldn't answer) then an email. Was from creations acknowledging my SAR request dated 12.4.22, they need me to confirm my identity. Firstly I'm confused as they wrote to say they didn't k ow who I was and also addressed me as "your client" Furthermore! Sar request should be actioned within 30 days, yet they are contacting me about 2 days prior to the 40 day limit. Need help on what I should do as this makes no sense to me . letter 10th may 22.pdf
  9. I'm actually wondering if the dealer would come back with anything at all. But yeah!! I can only hold on for hope and exhaust all my avenues with Fos. Thank you and I'll update ASAP
  10. Hi there, Apologies for the long delay, had some personal stuff going on. Firstly I have no idea why Creations are referring to me as "Your client", the letter was not written as a third party as I referred to myself and gave all my personal details including address. If it bides them time, then so be it as I sent the letter addressed to the correct dept which was received and signed for on 14th, so they have until 13th June to send everything over. In regards to the dealership (BigMW) they signed for the letter on 14.04.22, of which I should be due all the docs by thursday. DO i need to chase them or remind them of their duties and obligations? although this should be something they know. Noted to continue making the payments and to hang fire on the VT. Hopefully both companies abide, which can then help build a case for the FOS or possibly going further. Apart from awaiting both companies to respond to my SAR request, Creation should get back to me on or before 20th May 2022 with regards to their investigation (8 weeks).
  11. Noted, regarding the independent inspection that's always been at the back of my mind. If I were to hire a car, could I claim the cost back? For the warranty, I still making those payments. Should I continue or stop? I was worried that if I stopped, I may need to fall on it in some way....ie courtesy car? Should creations refuse to fix the vehicle, could I propose they pay a percentage and I cover the balance? In regards to vt, which part would be the trickiest/costly for me. Should I be ready to hash this out in court? Sorry so many questions, it's giving me major anxiety.
  12. Morning I would love some feed back on the above. Furthermore, although I was annoyed with creations, simply saying that they have no idea who I am. I resend the SAR request to CREATION CONSUMER FINANCE LTD. I had a call from my mechanic this this. He now wants the courtesy car back that he borrowed me. He is happy to wait for Creation to finalise my complaint, which will be in 2 weeks time, however this predicament could go on for ages.....its an unusual situation for me so I have no idea. Anyway, when that time comes and creations are not willing to fix the car, it then leaves me in a dire situation. I'm a trainee teacher and a single parent to 3 children. My daughter has breakfast and after school club, due to the time I have to start work. My work place is also in an area that's extremely difficult to get to from my house. I'm stuck, at my wits end with stress and not sure what back up plan I could put in place here. Help
  13. Morning, Just wanted to update. Had a letter back yesterday from the finance company, simply saying that based on the information I gave them....which was my full name address and telephone number they have no idea who I am. Furthermore I'd have to send a separate request to Creation financial services Ltd. Whether Creation consumer finance limited or creation financial services Ltd, they are one of the same people. Registered at the same address and also residing at the same postal address. My letter did state that " if you do not normally deal with these requests, please pass the letter to your data protection officer or relevant staff member. Are they being silly with me or is this normal. I also noticed that on their reply, they spelt part of my surname incorrectly. Furthermore I've never had an account number, just a customer reference number which begins with "3". letter received 19_4_22 Creation SAR response.pdf
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