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Hi,

Can anyone give me some advice on a couple if issues please.

I have written to Creation Finance requesting a 77-78 on two accounts.

The first reply regarding a Allders account said that it was opened with Ikano Financial and transferred to Creation in 2004,and that is who I should contact direct for my original application.

They have sent some statements and kept the £1 Postal Order

Should they not have all the relevant paperwork?

Will I have to make a new request to Ikano?

The second reply regarding a JJB account says that due to a system anomaly, a copy of the signed agreement cannot be retrieved,however under the Consumer Credit Act they have supplied a true copy and some statements.

Any help with my next move would be greatly appreciated.

Edited by kimberley6
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This is common, I believe. But they are wrong! If they are persuing you for moneys which they claim you owe, then they are legally obliged to pass on your request to the OC.

 

There is a letter kicking about here somewhere to this effect.... I shall try and find it for you!! :-)

 

UF

I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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Can you scan up the "copy agreement" they have sent you? Does it have your details and signature? when was the account taken out?

 

 

For now, keep the letter that they have sent you and keep the Postal Order that they have returned!! Because it proves that you made a CCA Request to them and so the 12+2 day time limit has already started ticking and would have started as soon as they received your request!! After the 12+2 days, the account enters dispute!!

 

If they cant be botherd to carry out their legal obligations, that is not your fault!

Edited by UnitedFront

I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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I think it would definately be helpful, for some of the cca people around these parts to have a gander at for you!! ;-)

 

UF

I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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ok now I am certain that some of our resident cca people will be along shortly to have a peek for you!!!

 

Just sit tight, someone will no doubt post shortly!! :-)

 

UF

Edited by UnitedFront
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I am rarely around these parts any more. I only stop by when something has come to my attention that has sufficiently annoyed me so as to persuade me to awake from my nap and put in my two pence.

 

I am a final year law student; I am NOT an expert in law. All of my posts are just my opinion. I cannot be held responsible for any outcome whatsoever resulting from any person following the opinions or information contained within my posts. Always seek professional legal advice from a qualified lawyer.

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