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Creation - Charges for sending letters?????

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I have finance with creation consumer finance ltd.


I have made payment every month since taking out the finance, 5 months in i cancelled the direct debit as it was coming out late in the month, I wanted to change it to the 1st/2nd of the month. I cancelled the direct debit with my bank, phoned creation and made payment via credit card over the phone, also setting up a new direct debit in the process, this direct debit was not set up as requested though. I have been issued with a £25 administration charge because the account is in arrears, dated the 31st March 2009, upon receiving the letter I phoned creation made payment for the amount that should have come out via direct, as they agreed to remove the £25 admin charge. It has now become apparent that they took the money from my account included the charge which I did not agree to, is this legal?


Also I have received a letter dated 01st April 2009 (1 day after the first letter) which states that my account is still in arrears, so they added another £25 admin charge! Surely this can't be legal?


Unfortunately I cannot contact them today as they are shut. I did make contct with them yesterday and I was informed that the second letter was a mistake, but that does not wash with me! Who can I report them to if it is illegal what they have done? because I really hate companies like this!


Thanks in advance,



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In the first instance I would write a letter stating the above and demanding the 2 x £25 admin charges are removed.


ida x

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