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Good Old Creation Finance & L of L ( now Lowell chasing )

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Hi all,

 

I am new to this site and looking for some advise an a subject that has been dragging on now for a very dull 3 years.

 

Jan 2008 I bought 2 sofa an the buy now and 0% free interest for a year thing. Which was fine, as soon as they turned up I was going to pay.

 

So the story goes like this, sofas turned up, white cloudy marks all over them, driver says it's probably just dust from the warehouse. Lots of polishing and marks still present, then weeks later all the "leather" (i think plastic) as it was called in the invoice starts peeling off the sofa for no apparent reason.

 

Call l of l and sure enough they send out a repairs chap who has a quick look and says he will repair it....... that was declined by us and I refused to sign his paper work to say that he "paid us a visit".

 

A week or so later (3-4 months after purchase) it is agreed in written words that l of l will be arranging the collection of the faulty sofa's and cancelling my credit agreement with creation as I had still not paid anything. I say that is fine however I will be paying to have them in storage as new sofa's have arrived so they have one month to collect or the sofas will be disposed of as I will not be paying for there lack of organisation past that.

 

They never picked up the sofas and sent a letter to say as they had now been disposed of they will not be cancelling my agreement.

 

I was hounded for a year by creation with up to 25 phone calls a week and endless letters having explained the situation. However after 2 years and 6 months having not heard anything for a year or so) this now shows against my credit rating as it appears creation has been taken over / bought from Lowell Finance.

 

So as you can imagine i'm slightly miffed and wondered if anyone had any experience or ideas on how to handle getting this stupid this removed against my credit rating.

 

Many thanks

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Should mention just incase, l of l = land of leather

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No, Creation hasn't been taken over by Lowells, they are still alive and kicking, sadly.

 

They have however flogged your alleged debt to Lowells, a DCA that specialises in to such things, and they will now be taking up the harassment. Check the Debt forum for Lowells, and you will soon see their tactics. :rolleyes: (Oh, and ignore any post by their CRT, if they're still even trying to post here, lol, pretending to want to help, they just want you to make contact, so don't.)

 

As for your credit rating, that's a different story, and it's a long and hard road to get incorrect info removed. :-(

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Well, if you told L of L in writing that you would be storing the sofas and warned them of disposal after one month, then you could feasably counter-claim for the storage costs, moving costs and any disposal costs, plus time and inconvenience - as long as you have documentary proof of that. Worth considering? After all, you gave them ample notice to collect the sofas.

 

Presumably, any alleged debt has been bought by Lowell at a small percentage of the amount they say is due.

 

Maybe a letter saying that you do not recognise the debt is the best way to go?


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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yes it is all in writting. previously telling creation & supplying documentation about the cancelled agreement didn't work. and I assume as l of l no longer exists, the agreement can't be cancelled by them anyway. All a bit of an inconvenience as the reason for collection was that the goods were faulty.

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Well faulty goods come under your statutory rights as a consumer as the item purchased was "Not fit for purpose".

 

My opinion is that it is up to Lowell to prove that you owe anything at all. There's also the possibility of requesting a CCA and if Land Of Leather no longer exists, I'd imagine that Lowell would have an even harder time than usual, trying to supply you with the requested documentation.

 

Still, if it was me, my first reaction would be to state that you do not believe you owe anything.

 

Maybe someone with a bit more experience will be able to advise on your best first course of action. Once you've proved that nothing is owed, it would be easier to get your credit file amended.


Please note, I am not professionally qualified in legal matters. Should you have any doubts, you should contact a legal expert.

However, I can and will help with matters regarding payroll as I am fully qualified.

 

If I've helped in any way, you're welcome to click on my "star" and thanks, but I gain the most satisfaction simply by helping/reassuring :O)

 

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Hi,

 

I've merged your threads and unapproved the duplicate.

 

Regards.

 

Scott.

Edited by maroondevo52

 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

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There are a couple of points which could be raised, primarily the fact that you disposed of goods that you hadn't bought and weren't yours, but I don't think that helps matters much, especially as L of L no longer exist, and the fact that this 'alleged' debt is now in the hands of Lowlifes, I would say you have a very good case here.

 

Funny enough I rang Lowlifes today, and they were having a bit of an identity crisis and got themselves confused as to who they were supposed to be!

 

Still, probably the best foot forward would be to send them the http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/573-general-debt-letter-if-you-know-nothing-of-the-debt

 

Then as you will have replied to them, they will assume that you are lying and will send you another missive, to which you could send them http://www.consumeractiongroup.co.uk/resources/templates-library/86-debt-collectors/581-cca-request-letter

 

If your credit file, is of any concern to you, then you might want to keep an eye on it, as lowlifes like to leave their dirty footprints on them.

 

ALL financial information must be retained for six years from the closure of said account, so even though L of L have gone to the wall, legally they will have had to retain this info.


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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