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    • Sorry I didn’t think to come and update this.    So the outcome was that he went to court. Apparently the judge told the landlord off for not sending a letter before action but did nothing about it. He didn’t accept all the damages the landlord claimed, and told him off for accusing my friend of deliberately and maliciously damaging anything, and he awarded him small amounts of the damages he claimed for. The landlord had also made an awful lot of things up that never existed and accused my friend of stealing them, and the judge didn’t accept any of those claims.   However, I’m back asking advice now. So he made an offer of payment via the court forms, sometime before Christmas and straight after the hearing. The landlord didn’t reply so the court accepted the payments.  My friend has been paying the £10 a month each month. Then a couple of days ago he had received a letter from court with a hearing date in a couple of weeks, and a very irate letter from the landlord saying that my friend has consistently lied and that nothing he says should be believed, and that he wants the bailiffs to be called on him and that he absolutely refuses the payment plan. The letter is marked as received by the courts in December and this is the first that’s been sent since then. My friend and his wife are now panicked, what does this mean? And can they now get bailiffs sent round? He earns an ok wage, which somehow the landlord has referred to in his letter, but he equally has a lot of expenditure and can’t afford to pay any more. What will happen at this hearing and can they send out the bailiffs just because the landlord wants them to?    I have no clue what to advise him, can you help at all please?
    • Thanks Bank – I took your cynicism / experience on board and responded thus: Thank you for your response Mr Schnur  I set out my position quite clearly in my letter of claim and nothing has changed. Your insurance requirement is unlawful and is contrary to section 57 of the Consumer Rights Act, and also section 72 of the same statute. I would also refer you to the outcomes in PENCHEV v P2G (225MC852) and SMIRNOVS v P2G (27MC729).  My deadline for action - 1 May 2024 - still stands.
    • The other thing is that you are making a big mistake imagining that they are at all concerned about wasting court costs et cetera. They are only concerned about being obstructive and discouraging others.  
    • I have dad's last will from 2019 which mentions the trust. I am in the process of going through probate as the only thing that needs probate is a couple of shares he has (under £3000).  Speaking to my brother and my dad's wife they wouldn't mind going with another solicitor if we need to pay extra for the trust.   
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Storecard PPI - Creation Finance


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Oh and with regards to the CPP - they have also sent me the memo notes from my accounts and on 10/05/03 there is a note which reads 'CPP policy cancelled as per report from CPP'?? There is also a note dated 11/10/01 which reads 'double cover cancellation*C did not request'

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  • 2 weeks later...

Hi claireb1983,

 

Have you had any luck, have just had my response from the questionaire i got from MSE site........They have shut me down straight away, sent me unreadable forms saying i agreed to ppi etc and that a refund is unwarranted.......

 

Any luck?

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well ofcourse they will if you dont dos the fos cq a spreadsheet and covering letter

 

just following a site template they've seen 1000's times before

its obv you've not researched it.

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Well excuse me dx!!!!!!

 

Only did what any normal person would do, most people i know (real life) have only had to make a few phone calls and have had money refunded, i guess i hoped with my letters and quetionaire's i may of had even more of a chance!

 

But thanks for your informative and friendly comments!

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show them you mean business

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Hi sianb1979,

 

No I havent had any joy yet in relation to PPI, I also did a SAR and have all my statements but cant make any sense out of them at all. Whilst they have rejected my claim for PPI, they did refund all my charges and sent me a cheque for this.

 

I havent yet taken my PPI claim further as I believe that they werent under FOS juristriction at the time so not quite sure of the best approach and whether it may be more hassle than its worth.

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  • 2 weeks later...

i am having same problem with creation,they have rejected ppi claim as box ticked on original agreement {form filled by shop assitant},incorrectly spelt name on original agreement and was not in employment when form filled out{thisis part of their eligibilty requirements for cover},this is their final response but have said i can go to the FOS.

 

According to my sar they closed my account in 2008 but since then they have carried on putting charges ,3d insurance and interest onto account.

 

has anyone got any good ideas how to take this further?

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well tell them that then

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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  • 3 weeks later...

I have just received my SAR from Creation. Now I have the evidence to make my claim for mis-sell.

 

On the application form (filled in by the shop assistant) I have declined an additional card for my partner but yet they have ticked 'Yes' for Creation 3D protection, not for me but for my partner? :-x

 

Also the CPP section has been crossed through, yet still added same time each year :mad2:

 

So here we go, let's see them wriggle out of this one.

Good luck everyone

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  • 4 weeks later...

good news i have won ppi claim with creation with interest after sending them evidence that was mis sold due to being disabled before account opened no claim would have been paid.

on another point can they now reopen the account and add charges going forward {interest etc}.i have notice from them account closed in 2008 then reopened in 2009 with over £3k of more charges and interest added since 2009,now looking at my credit file it says account open now they have taken ppi off.

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can anyone tell me if they have broken any rules by closing the account in 2008 then reopening in 2009 closing it again in 2010 and now reopening again after removing the ppi and interest from balance,surely when the account was first closed this terminated the original agreement so how can they does this to suit themselves?

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closed is not terminated me thinks.

 

you'ed hve a termination letter .

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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not had termination letter but one saying account closed in 2009,they never charged interest from 2008 to 2009 then started again late in 2009 until late 2010 then nothing again and passed to dca,now after removing ppi account now saying on credit file account open surely if they have closed account they have ended the agreement

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Creation refused to pay me back any ppi money what so ever so I sent my complaint to FOS and they told me they could not help either but reccomended i try trading standards to try to leaver them into paying me.................Creation are the scummiest dirty basts even their switchboard staff are the lowest of the low

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