Creation Store Card from 1998~9

[cygnus]

Hi, great resources from everyone on this site.

 

I've used a CCA request against Creation today.

Does anyone know how long they usually take to return the required documentation and statement of account?

I believe they have only 12 days from the day letter was received with the GBP1.00 crossed postal order and a different signature to what I use.

 

What are my next steps? I can do on this to prepare myself, I've read lost of posts and threads from here and now my mind is bustling with random bits of info.

 

What if they take longer than 12 days to fore fill my request?

 

Also are they legally allowed to send cards stating a rep will come and visit me?(what they don't realise, is I'm out lots anyway.)

 

Also they send me these cards etc but they always post 2nd class and usually arrive 3~4 days later. Is this also allowed? as this cuts down time for me to reply etc should I have the need. Surely this is unfair practice.

 

Anyway.... enough of me gibbering on, in someways excited about the reply and nervous about the outcome.

 

Thank you all for reading and all the previous details I have picked up so far.

Cygnus

[dx100uk]

its 12+2 working days, then we start the next process

 

now can we have a bit of history please

 

last payment etc etc.

 

don't worry about the cards, no-one will turn up anyhow.

 

what was the reason behind sending the CCA?

 

dx

[cygnus]

Hi dx100uk,

 

I've looked into many ways of clearing debit, even more so now due to recession and having to take a pay cut but still work.

 

I didn't like the sound of IVA in case I wanted a mortgage at a later date. Although I did start but then heard about this issue, I havent paid since June 2009.

 

I'm currently privately renting and have two jobs to even try and keep head above water, but it's not happening.

 

So I decided I'd give this CCA a go and firstly it's kinda free and I have seen success storys about it on this very site.

 

I have other cards pre-2006 from Virgin(MNBA), Barclay Card, Argos Card, Capital One, Vanquis etc. not maxed but unused for a long while as I'm still paying off.

Would any of these also be a good bet to give a go at?

 

If you need anymore info, just let me know.

Cygnus

[PGH7447]

you can cca all the above, whether unused or not, the principle is still the same

[cygnus]

Ok, 14 or so days gone by, nothing received.

 

So what can I do now?

 

Sorry, I have read though, but some of the threads loose me.

[IdaInFife]

you can send the letter in this link

 

http://www.consumerforums.com/resources/templates-library/86-debt-collectors/571-failiure-to-provide-a-copy-of-the-agreement-within-the-prescribed-timescale

 

ida x