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    • First of all it sounds as if your retailer is very decent and very responsible. This itself is unusual in these kinds of circumstances and I think we need to bear this in mind. The guarantee is not particularly relevant and in fact the dealer had a statutory duty to exercise a certain responsibility for your computer – probably for several years as their obligation under the consumer rights act. The dealer may not have known this and it simply acting out of a sense of moral responsibility and that is even more noteworthy. You've already suggested earlier that you didn't really want to cause problems for your retailer. I think that you will need the help of your retailer as well in order to get information and evidence. I suggest that you proceed against DPD – but before you do that – I suggest that you have a discussion with the retailer. Tell them that this is what you are going to be doing and you would like to have a copy of anything they have which relates to the special instructions which apparently your dealer has already informed you about in relation to where item should be left. Secondly, maybe you should tell your dealer about this site and also about this thread. I can imagine like many dealers who are frequently sending items by means of couriers, they have had things go missing. Tell them that we will be very happy to help them recover money for lost or damaged or stolen items – and that is regardless of whether or not they have purchased insurance. Apart from being very pleased to help your dealer recover items which have been lost by irresponsible parcel delivery companies, I think we need to encourage the complicity between you and them so they will be pleased to support you in your claim against DPD. It will be helpful if you can get a copy of the instructions that you have referred to above, and also if you can get some written evidence of your own instruction that your laptop should be left in a safe place. Have you done the reading on this sub- forum? You will need to do lots of reading of many of the similar stories on this sub- forum. They won't necessarily be against DPD but the principles will broadly be the same. Also read the pinned topics at the top of the sub- forum in order to understand many of the principles involved. Getting your money back but be quick – but your chances of success are better than 90% that you can bank on it taking anything up to a year. Have you got anything in writing from DPD either refusing you or telling you that they won't discuss with you?  
    • Thank you for telling us the text of the letter you had from the police. As we don't seem to have come across this before, it would be really useful for us to see the original please. HB
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    • UPDATE I went rooting through an old box of paperwork I have and I've found the original Default Notice. It is dated **/**/201*, however.. The copy of the Default Notice that they sent with the LBC has a completely different date on it 😮 Can they issue 2 default notices for the same debt? Where they have changed the date on the copy, they have also changed the amount owed through failed payments and how much is required to be paid by a certain date. In addition, they sent (with the 1st LBC) a copy of the termination of the agreement, which I cannot find the original. However, the termination date is 3 days after the date given on the (doctored) Default Notice, by which monies are to be paid by. So, they gave until the 'x' date to pay the arrears, then terminated the agreement 3 days later. I bet a dollar to a dime they've doctored the termination date also.
    • Having looked through the paperwork, I note they have sent 3 seperate LBCs. Two are in the name of FCA Automotive (1st one issued 21 Jan 2020, 2nd one 21 Sept 2022) and the last one (issued 12 Sept 2023) is under CA Auto Finance UK Limited. In the first one, they did send a copy of the default notice, but this was not sent with the 2nd LBC and neither was it sent with the last one either. .  A quick look at the default notice and I see it states the agreement start date was not the same day as the original agreement was signed. It's a day different but do not know if that makes any difference. Also, I note we received a letter on the 16 Nov 2023 which states of a 14 day notice of intention to issue claim form. Heard nothing since that, until this court claim arrived. 
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Creation Consumer Finance / Lowell


Gaspanic9
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Hi,

I'm in the process of sorting out my debts,

i've just paid one off fully as I had a CCJ attached to it so i'm down to 2.

I'm going to try sort these 2 out 1 at a time, starting off first with this one.

 

A while back I bought a TV from Richer Sounds, after splitting up with the ex I fell behind on payments until I eventually stopped doing so.

 

 

Now I'm looking to get a mortgage in a few years time it's time I started cleaning up my debts/credit report.

 

Here's the entry in Credit Manager:

 

Creation Consumer Finance Ltd

Account number: ********

Name: ********

Account address: ********

Date of birth: ********

Account type: Credit Sale

Account status: Default

Date last updated: 01/11/2013

Account opened: 21/04/2007

Account opening balance: £788

Regular Payment Amount: £29

Repayment frequency: Monthly

Default date: 28/02/2011

Original default balance: £788

 

Now it says the default date was in 2011

however I'm certain I was never paying anything to them (nor did I acknowledge any debts to anybody over a few years),

how would I go about getting this default date rectified?

(In order to help getting it off my credit report sooner).

 

 

I'm not trying to run away from it,

I'll pay what I need to but first I want everything clear on what I owe so then I can set up some sort of plan.

 

What would be the first step towards this?

CCA first then take it from there or what?

 

 

I also had this posted in another thread along with the other 2 debts

(http://www.consumeractiongroup.co.uk/forum/showthread.php?406740-3-different-debts. for reference),

it was said that it probably will be enforceable

 

 

however I may be able to claim extra charges etc back?

If you need any further info don't hesitate to ask.

 

And thanks in advance!

Edited by Gaspanic9
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Hi

Firstly, do Lowell own the debt of collecting on behalf CCF? does Lowells name appear next to the entry on your credit file?

 

If you cannot remember when you stopped paying CCF, it may be worth sending a SAR to them to get copies of statements and payment dates.

This will also show what (if any) charges have been added.

 

If Lowell are chasing you, write at the top of any letter:

 

"I acknowledge no debt to you nor any company you claim to represent."

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Thanks for the response.

 

Currently on credit manager it says Creation finance

 

 

however I received a letter from Lowells with a statement and

it looks like it's been with them for a while (sorry I can't be more specific, it's only recently that i've started keeping the letters).

 

 

It does however say on it "Original Creditor: Richer Sounds PLC - Creation Consumer Finance"

 

 

so that would indicate to me that they no longer own it?

 

 

I could probably take a picture of the letter and blank out my details if it's of any use?

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It may be that CCF have only just sold the debt to Lowell so your data on the credit file should also change soon.

 

How soon after the 2007 opening date did you stop payments?

 

As for the default date showing 2011. This could be wrong. Defaults should be placed as soon as possible and certainly within 6 months of the first missed payment

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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As far as I remember it would have been round about a year. It's probably close to being barred but I couldn't say for certain, I know that I've definitely not made any payments while I've been living in this home and that's been around 5 years.

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Well unless you are in Scotland you are looking at anther 12 months at least (may be more) until this is statute Barred.

 

Send the SAR and if Lowell start getting aggressive we can help slow them down

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

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Send a postal order as cash can go missing.

 

That template is fine or use the pdf underneath which you can fill in.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 4 weeks later...

Right, I have a pack full of information back but as i'm at work I won't have the time to fully go through it.

Had a quick scan but I haven't seen any signed contract for this account, nor do I see the default date which is on my profile on any of these documents.

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Had another check, definitely no credit agreement in there, should they have this anyway?

What I can see on one of the forms are these bits of information

 

Date of last payment: 22-Sep-08

Charge off date 28-Feb-2011

Default notice date 19-Feb-09

 

Shouldn't the default date on my credit report be 19/02/2009?

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Default notice date 19-Feb-09

 

Shouldn't the default date on my credit report be 19/02/2009?

 

From what you posted, it is!

 

It is sometimes company practice not to include the agreement within a SAR as silly as it sounds. (may be they haven't got it)Unfortunately, as they haven't included it, you could send a CCA request. This costs another....quid!

 

The default will fall off your credit file next year so that gives you 12 months to get your deposit sorted. I wouldn't bother even attempting to get a mortgage until it has gone.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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Thanks for the response!

 

Are there any types of forms I need to send off to get them to rectify this?

 

My plans for a mortgage aren't just yet anyway, i'm just trying to get everything paid off and off the credit report for the future when I will get one. I still have another debt to deal with after this one.

 

Edit: I think I know where we're getting our wires crossed.

 

On my credit report (and the first post) it says Default date: 28/02/2011

On the documents I received with the SAR it says Default notice date: 19/02/2009

Edited by Gaspanic9
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If you look in the library, there is a CCA template letter.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I don't know if you seen this bit as I edited it:

 

On my credit report (and the first post) it says Default date: 28/02/2011

On the documents I received with the SAR it says Default notice date: 19/02/2009

 

I can send off the CCA to them to get the credit agreement though.

I just want all the information correct and know where I stand so I can take it from there.

 

Cheers

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The default date should have been as soon as the default notice time expired so yes we did get our wires crossed.

 

Filing a default 2 years after the cause of action is wrong and needs addressing with CCF. They issued a default notice dated 19/02/2009 so they should have defaulted you within a month of that date. If they refuse to adjust it, you will have to complain to the ICO. You can place a notice of correction (up to 200 words) on your credit file to explain what is what.

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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I would wait and see if lowells have purchased this debt

or if they are already chasing

 

CCA lowells.

 

as for the default date.

 

theres not direct relationship between a default notice

and the defaulted date on the CRA file.

 

all a default notice does [if the default sum is not met ]

is ALLOW the creditor to default you at some point.

 

ideally this of course 'should' be near the date of the DN.

 

you could question creation as to why your file was not actually defaulted until 2 yrs later.

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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  • 4 weeks later...

I'm still awaiting the CCA back,

 

the request was signed for on Signature Time: 07/02/14 07:28:00 GMT

(however I have had a letter to say they're looking for it),

 

should I be doing anything now or just continue to wait?

 

I'd just be tempted to leave it until they come back but after this debt is sorted out I want to get my final one done.

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Just continue to wait. The Leeds Losers know the rules and hope you don't. In other words, don't poke the dog

If you are asked to deal with any matter via private message, PLEASE report it.

Everything I say is opinion only. If you are unsure on any comment made, you should see a qualified solicitor

Please help CAG. Order this ebook. Now available on Amazon. Please click HERE

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  • 3 weeks later...

I know it seems i'm getting pushy however i've still not received anything bar a few letters from them saying they're awaiting it. I'm quite eager to get it done and dusted so I can start off on my final debt, is there anything I can send them to give them a nudge? If they are unable to find it is there a a general timeframe that they would let me know within or will they likely just keep me hanging on?

 

Thanks

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if they've failed the 12+2 working days deadline

 

you could send the failure to comply letter

and stop any payments.

 

however, if in the future they do manage

to find the SIGNED agreement.

 

then it could get interesting.

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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if they've failed the 12+2 working days deadline

 

you could send the failure to comply letter

and stop any payments.

 

however, if in the future they do manage

to find the SIGNED agreement.

 

then it could get interesting.

 

 

I haven't been paying them anyway. I guess I should see what they say/do next although I have a feeling I could be waiting forever. Once this is sorted out i'll then try and get the default date rectified before paying any monies to them.

 

Cheers!

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  • 2 weeks later...

I finally got a reply saying they have been unable to find my original credit agreement for this account and that they are closing my account.

Is there anything I should be doing now or is that it?

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