Creation Finance. Help asap

[TylerJones]

Hi there,

 

First post and im hoping there is someone with an idea of what i can do.

 

Firstly 18 months ago my partner took a sofa out on finance with Creation Consumer Finance over 24 months. Everything was fine up until the 4th payment of £55.30 was not taken from our joint account, i noticed this about 10 days after it should of came out. There was plenty of money in the account so there should of been no problem. I didnt take action thinking they will just take 2 payments the following month or they would call us. Neither happened so on the second month i rang and paid over the phone explained what had happened and they were fine about it we set up another direct debt man-date and sent it off the next month it came out as it should of so i thought ok problem solved. For some reason neither of us checked our bank statements online for a few months we knew there was money in there so didnt need too. When i did check i noticed no payments had been made again for 3 months to SCS. So i rang them kicked up a fuss they didnt know what happend and done the same process of setting up new DD. The following month no payment, and the same for the following month, so ive called again and paid they refused to put me in touch with a manager and said write a letter which i did and go no response. Only by chance did my partner see an Ad for Equifax in the paper and signd up shes had loans from HSBC all paid back, A car on finance from blackhorse at 0%APR so her credit was as good as it gets. Straight away she noticed 6 red markers on her name from Creation so i called they said the payments were late hence the late payments so i sent them a copy of the bank statements showing clear funds for the last 6 months regardless of the time of the month so the money was there. Do u think they had any note of this letter NO! We are currently have a hand shake on a house with alot of money at stake, these 6 payments have dragged her score down to 246 according to Equifax, So my question is what can i do ive been to the bank they have told me the reason the money keeps failing and its because everytime they apply for the DD they cant grant permission so the bank rejects to pay the money, however the bank will not put this in writing as its not business practice. Creation are not doing anything is there anyone i can get in touch with or anything i can say to make them think twice as this is not our fault whats so ever. Sorry for the first essay haha

[TylerJones]

Would also like to add all payments are upto date currently. we have 5 payments left until the finance is cleared.

[TylerJones]

IS there anybody that can help.....Pleaseee

[dragonkeeper]

 

Hi TylerJones

 

Pretty sure a Cag guru will respond soon

 

Just hang in

 

 

 

 

dk

[TylerJones]

Hi thanks i hope they do theres alot at state here

[dragonkeeper]

bump

[madcow_57]

Have you tried going to the Citizens Advise? They are pretty clued up.

 

Not much help am I.

Hope you get it sorted.