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LyndaGilly

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  1. Hi Pls could i get some advice. Creation have contacted me today re: a debt they claim is owed. I bought some leather sofa's from Land of Leather in 27th December 2007 and was due to make a payment in full prior 27th December 2008 to so that I would not be liable to any interest charges. I posted a cheque payment for the full amount on the 15th December 2008 but for some reason it did not reach creation,- so they say until 28th December, and they cashed the cheque the same day. I can not prove it arrived on time, but neither can they prove it didn't. They have taken 10 payments of 41.49 from my bank account, so in totoal i have paid 1179.00 for a £599.00 suite, and still have arrears for over £400. I have explain many times what has happened but they continue to pester me .The person on the phone said they had sent me a letter to say that they had reciived payment, but in was only in part because it was late- but i had not received this . Could someone please provide me some advice? I have been contesting this for over 18 months and nowI was told over the phone that it had now been passed to a debt collecting agency.
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