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paddy926
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My girlfriend is starting to claim back her charges from Creation and so far so good. That was till her copy statements arrived. After reading through these, the copies for the last 4 months have a balance of £0.0 on them. She called Creation on Friday only to be passed to 4 different people who didn't have a explanation as to why a copy is different from the original. She finally got the answer of 'it is a misprint'. Have they shot themselves in the foot by saying that there is no balance on the account? Also does she charge them the same amount in interest for the spreadsheet as they charge every month?

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Sounds like Creation are trying to delay the inevitable. I'm guessing you sent a SAR to them, in which case they have not complied as they ar required to send all docs/info they hold on you including a full breakdown of the transactional history. Incidentally they are also required to send you a copy of your credit agreement as well, if there isn't one then technically they cannot enforce the debt and you are under no legal obligation to continue payments to them.

 

kind regards,

shane

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Cheers for that Shane. She did send the template letter from this site and is all ready to send the LBA. With regards to the statements thou, there was a balance on the one sent in April, they then missed this off May but its showing £0.0. Continued to put the balance on June & July but as I say, no balance for the copies from Aug to now. Does it matter that the original has a balance and the copies do not?

I think they know what she is up to as the charges will cancel out the debt! :D

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It absolutely matters! Write back to them saying they have not complied with your request and should they not do so you will instigate legal proceedings against them, if required you can ask a court to force them to comply but they will do so way before you need to do that!

 

 

 

kind regards,

shane

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All advice is offered freely & without prejudice

 

 

If my post has been useful to you please click the scales

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Hi Paddy,

 

If there was a o balance on the account for the last 4 months then yes they have complied, I was under the impression you thought there was a balance and they were trying to conceal that, if not then yes unfortunately it is unfortunate!

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All advice is offered freely & without prejudice

 

 

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Hi Shane

there was a balance on the one sent in April, they then missed this off May but its showing £0.0. Continued to put the balance on June & July but no balance for the copies from Aug to now. The 'copy' statements look nothing like the original ones that come throu the post. They just look like someone has put the information in on the computer and forgot to fill the balance bit in! They arent even lined up properley. I thought a copy statement should reflect the original ones that are sent.

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  • 2 months later...

Received a letter from Creation on Saturday 19th saying that as a gesture of 'goodwill' they will offer £125 plus £10.72 interest along with a leaflet from the FSA. As you can imagine this is going to be declined as the charge is nearer £320!! LBA is all ready and on the way to the post office, will keep you all up to date.

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Stick to your guns, if they don't have a level of competancy to calculate what you owe them and send you an accurate statement, then who's to say the £320 charge isnt a "missprint" also.

 

Somthing worth adding to your defence.

 

as far as I can see, if they send you a statement with a zero balance, then nothing is owed, end of story.

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  • 2 weeks later...

Just to let you all know, my girlfriend had a lovely letter from Joanne Redmond offering all of the charges back. The amount of charges were around £320 plus she got £35 in interest so they now owe her money.

Stick at it everyone cos they cave in in the end. :p

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