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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 .