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rowan666

Any dealings with drydensfairfax re old creation [adams store card] debt?

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Hello,

 

how has other members dealings with drydenfairfax been please ?

 

they have just written saying they have been instructed by Creation Finance ( Adams card ) to collect the debt,

 

They have also informed me their client will only allow any payment plan to run 24 months,

so i would need to re-pay £180.00 per month to clear the debt, this i cannot do, i can re-pay £50.00.

 

They have said in that case the client will accept £50.00 'without predjudice'

and at some time the 'most likely' take me to court, ccj me and get a charge against my property.

 

any feedback on this would be great, as im really staring to worry about this all.

R x

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tell us about the debt please

 

does it show on your CRA file?

 

dx


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their client will only allow any payment plan to run 24 months,

 

they do not dictate to you. if they want money they are going to have to play now by your rules.


PHOTOBUCKET TUTORIAL IS NOW DONE HERE IT IS

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Yes it is on my credit file, it is a debt from a Adams store card.

 

In 2008-09 when things started to go pear shaped, all my other creditors accepted reduced payment plans and froze interest (or their in house dca did )

but Creation Finance would not, they also would not put me to the in house dca, but continued making payment plans with i could not stick to.

 

I wrote dozens of letters to them,( as the interest they continued to charge me, nearly wiped out the £50/60 per month i was paying ),

asking them to freeze the interest, but they would not.

 

I wrote to re-claim the £12 o/fee & default charges back, and got nearly all of them back,

 

in june of this year i cca them,

after a month of nothing i wrote saying account in dispute,

 

i reported them to oft, for non-compliance and the way they have dealt with me,

and told them i had done this, again asking them to put me into a payment plan that had no interest,

 

as of july of this year, even though i have made over a thousand pounds of payments to the account, i still owe as much as when i started

- i have had no reply to this,

apart from they are looking into my complaint.

 

i still have not had my cca to me,

so when i received this letter from drydenfairfax i was annoyed,

as i have never denied this debt, but want to pay it off, not just pay their interest, and thats where we stand.

 

I have chopped this down as there are dozens of letters back and forth.

regards r

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if they have failed your CCA request

 

then time to send the failure to comply letter

 

and stop payments.

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

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I have sent a failure to comply to both Adams/Creations and reported them OFT, and i did stop payments TO Adams/Creations.

They have passed my account to Drydensfairfax to collect on their behalf.

I have made d/f aware on situation

My original post is for when they produce the CCA

As it is not that old a account, and im sure they will produce it.

I want to get ahead of the game.

R

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ok

 

good move

 

well await the CCA, then post it up here. if it ever comes

 

till then ignore.

 

if the CCA proves enforceable

 

then

tell them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrin from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

then pay by your internet banking site only to the OC

 

dx


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so even though drydenfairfax are now dealing with this on Adams/creations behalf, your advise is to pay the oc if and when the CCA is produced ?

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well await the CCA, then post it up here. if it ever comes

 

till then ignore.

 

if the CCA proves enforceable

 

then

tell them they are only going to get £xxPCM for xx mts

as a goodwill gesture

and as a reciprocal GOGW they must freeze int & refrin from levying PENALTY charges.

if they wont

drop them to £1PCM for life.

 

 

so even though drydenfairfax are now dealing with this on Adams/creations behalf, your advise is to pay the oc if and when the CCA is produced ?

 

Well if it was me and an unenforceable CCA (or none) turned up, I wouldn't be paying them a penny, let alone £1 per month for any amount of time :roll:

 

Rob

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is that not what i said.........

 

dx


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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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both:lol:


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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is that not what i said.........

 

dx

 

Apologies DX :embarassed:

 

I read your post too quickly and posted in haste! (Had some food cooking and didn't want to spoil it - excuses, excuses I know!)

 

Rob

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quick update - no cca from oc,

 

D/F say they are also waiting on info from o/c

 

about the complaints i raised to them over non compliance of cca and i have different balance owed than o.c ,

 

i have made 2 payment to D/F as i want to pay this debt off, and show willing.

R

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...i have made 2 payment to D/F as i want to pay this debt off, and show willing

if you have decided to pay?, pay only what you can afford not what they 'want'. and ensure interest frozen. they won't take it court.

Edited by Ford

IMO

:-):rant:

 

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yes i want it paid off,

 

im paying the amount i said i could, the interest is frozen,

 

when i spoke to D/F a couple of days ago the guy im dealing with said if i could get a lump sum together,

they would most likely be able to knock about £1000 off bal,

 

i told him i did not have any savings to do that, and would be paying it all back.

 

i hope as you say, they will not push down the court / ccj / charging order route,

 

i want to get all my debts paid off, this time 3 years ago i owed about 8k more than now,

 

due to claim backs of ppi, and hard solid work of payment plans in place, ive reduced my debts down.

r

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you need to findout WHY they are offering a discount

 

send an sar to creation

 

prob charges &/or PPI

 

IMHO i would stay off the phone too.

 

 

dx


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Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

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..as i want to pay this debt off
as they so far can't satisfy a cca request, maybe could've waited a bit see if they can comply. if non compliance, maybe could've got more favourable payment terms/settlement discount. Edited by Ford

IMO

:-):rant:

 

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Thanks for replies,

 

ive re-claimed late fees/ over limit fees / £12.00 charges back from Creation earlier this year,and there is no PPI

 

i have spoken on phone when i ring them to make my monthly payments to D/F,

so only twice,

if they started to ring all the time it would be letter only ..!

 

I know i could have waited as they still have not produced the CCA,

but i want to start getting it paid as quick as poss,

 

as now there is no interest & charges being added all the time

 

will keep an update going though

 

thanks again

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you still need to findout why they are offering that discount.

 

what interest did you get on the £12 charges reclaim?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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I used the 'calculator' one you gave me in another thread about another re-claim i have/had going on

I suspect the discount was spoken about by D/f, as they are aware Creations have not produced the CCA... only a guess though.

R

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don't usually get a discount due to no cca

 

so you got back what you calc'd?

 

dx


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

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Yes - as 'gesture of goodwill' though, not agreeing they did wrong by applying all those charges ..

but no matter, it came back, and thats the point isn't it

The 'if you could get a lump sum together, your looking at around a grand off the balance' came when i was doing my 2nd payment to D/F, and asking if they had heard back from Creations, as i dispute the balance of the account they have given D/F.

So i have never gone further into asking the whys / hows of this, as i have no lump sum to use to pay it off.

R

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