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Creation Finance are threatening me with default charges

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I had car finance with Creation finance and

 

I never mixed a payment

 

I stopped receiving statements and for many months I kept requesting for statements but never received any then

 

In December 2012 my bank notified me that a request for £600 had been taken from my bank account

and since my monthly payments where £109 per month I disputed this request and

the funds where re-called .

 

I tried to contact Creation regarding this matter,

wrote to them but never received any acknowledgement .

 

However fast forward to November 2013 I noticed numerous missed calls from different numbers .

 

I have today received a letter stating that and I quote

 

" This letter s regarding your finance agreement a direct debit of £621.19 was retuned in December 2012

and this has now put your account in arrears .

 

A £25 late payment charge has been applied on the account .

 

A you are aware the terms and conditions of the above account being in collections

there will be charges applied to any late payments."

 

I would appreciate any advice regarding how to deal with this issue .

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tell us the full story please

 

any PENALTY charges are just that - a penalty and they are unlawful and can be reclaimed.

 

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

spreadsheets 

 

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I had fiancé for a car for a period of 4 years ,

 

I used to get regular statements and never missed payments

then they just suddenly stopped sending statements

 

The last statement I received from Creation detailed what I paid and what I owned and when I would finish paying for the car

I recall having 6 payments left

 

I called Creation when the statements stopped and after many attempts I spoke to a gentlemen who informed me that one would be sent

 

nothing was sent and calls would go unanswered so

 

I wrote to them and never got a response.

 

In December 2012 my bank called me to say a direct debit for £621.19 had been requested my monthly payment was £109 so

 

I was rather alarmed at this as I had no prior knowledge of this amount being requested.

 

My last payment would have been in November and as far as I was concerned the car was paid for.

 

I received a letter today 13.11.13 informing me

 

Account was in arrears

 

this is the first letter I have received from them since about June 2012.

 

That is the full story.

 

I am therefore unsure how up proceed with this situation.

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strange!

 

have you still got the original paperwork?

 

if so post it up please

set your default scan page size to A4 less than 300DPI [150 will do]

scan the required letters/agreements/sheets - as a picture[jpg] file

don't forget you can use a mobile phone or a digital camera too!!

'

BUT......

ENSURE: remove all pers info inc. barcodes etc

but leave all monetary figures and dates.

.

*********************************************************

{DO NOT USE A BIRO OR PEN OR USE SEE THRU TAPE OR LABELS]

*************************************************************

.

DO IT IN MSPAINT.EXE or any photo editing program

goto one of the many free online pdf converter websites ...

http://freejpgtopdf.com/

..

if you have multiple scans/pics

put them in a word doc FIRST and convert that to PDF

or http://www.freepdfconvert.com/

or

use www.pdfmerge.com

 

convert existing PC files to PDF [office has an installable print to PDF option]

..

 

it would be better to upload a multipage pdf if

you have many images too rather than many single pdfs

.

or if you have PDF as an installed printer drive use that

or use word and save as pdf

try and logically name your file so people know what it is.

though dont use full bank names or CAG in the title

i'e Default notice dd-mm-yyyy TSB

.

open a new msg box here

hit go advanced below the msg box

hit manage attachments below that box

hit the add files button on the top right

hit select files, navigate to your file on your pc

hit upload files

.

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

spreadsheets 

 

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When you say original paper work do you refer to the original agreement and statements? It will take me some time to find them I hope I still have it as I extremely worried about the turn of events.

 

Thank you

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theres not a lot they can do to you.

 

you're well over the repo mark

 

as for the charges not an issue either

 

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

spreadsheets 

 

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