I had car finance with Creation finance and I never mixed a payment I stopped receiving statements and for many months I kept requesting for statements but never received any then In December 2012 my bank notified me that a request for £600 had been taken from my bank account and since my monthly payments where £109 per month I disputed this request and the funds where re-called . I tried to contact Creation regarding this matter, wrote to them but never received any acknowledgement . However fast forward to November 2013 I noticed numerous missed calls from different numbers . I have today received a letter stating that and I quote " This letter s regarding your finance agreement a direct debit of £621.19 was retuned in December 2012 and this has now put your account in arrears . A £25 late payment charge has been applied on the account . A you are aware the terms and conditions of the above account being in collections there will be charges applied to any late payments." I would appreciate any advice regarding how to deal with this issue .

Hi People, For the past 12 months or so, I've been chased by an alleged debt from Creation Finance (Premium First), the outline circumstances are this:-- I took out some business insurance on monthly direct debit via my insurance broker, the finance was arranged via Creation. The broker sent me a renewal letter which said if you want to continue, do nothing. I didn't receive the letter as I had moved premises. I had however cancelled the direct debit as the insurance was no longer required (after one years premiums paid) Broker said its in the hands of finance co - Creation. Creation wouldn't listen to me, basically said tough....pay up or else! They subsequently set WMD on to me. After following advice on here, I sent them the 'prove it, send me the assignment letter" followed by the threat to report them to the OFT. This has then been followed up by relentless correspondence from Moorcroft. I sent them recently the assignment letter which was responded with "We're looking into it YOU NEED TO PAY" followed by "Your account is suspended YOU NEED TO PAY" and then today, a further 'possible litigation' letter. I've had nothing about the assignment other than confirmation that it was verbal from Creation, surely this isn't sufficient? Any ideas on how to proceed, follow up letters etc.? Feel free to ask questions if there is anything thats too vague, the letters received are the standard ones others have posted. Thanks