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Creation Consumer Finance / Lowell

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Hmm. Usually Lowlifes say that they will close the account but should the agreement appear in the future, they reserve the right to recommence collection activity.

 

At the moment this is a win. Keep the letter safe just in case another DCA picks it up (as has happened in the past)


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So it seems like they still haven't updated my credit report so I contacted them in regards to it.

 

The request I had from them was

"With regards to the Creation Consumer Finance account I can see documentation has being requested which can take a couple of days to reach.",

 

 

I advised that I had requested the CCA and they had been unable to provide it and that they've advised they're going to close the account

(I also said I didn't acknowledge the debt).

 

 

They've replied with this.

 

"Thank you for your resposne.

 

As you have advised you received a letter saying the account would be closed, can you please send in the letter as a proof?

 

Looking in to the notes, I cannot see who advised the account would be closed, can you let me know who told you? Was it over the phone?

 

Further more, I can see the account is being looked in to, and you will receive the documentation shortly.

 

I look forward to your resposne, so I can assist you further."

 

Now, i'll not be sending the letter back but I will email them a copy of what they have sent,

 

 

is there anything else I should be doing in the meantime?

 

 

What would I do if they go back on their word of closing it?

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So i'm still waiting for them to get this taken off my credit report, I contacted them and they've asked for me to send them a screenshot of my credit report. Is it safe to do so?

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So i'm still waiting for them to get this taken off my credit report, I contacted them and they've asked for me to send them a screenshot of my credit report. Is it safe to do so?

Yes it is often requested in this situation, you only send a shot of the one account nothing more.


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Thanks!

 

 

Happy to help.


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Sorry to bump an old thread but it seems apt seeing as it's about the same account.

 

I've been looking at my credit file and it still seems to have this account on it set as settled,

will this be on my report 6 years from that date?

(They closed the account as they couldn't find my original credit agreement,

will this affect my file for years to come?)

 

Creation Consumer Finance Ltd

Account number: xxxxxxxxxxxxx

Name: xxxxxxxxxxxxx

Account address: xxxxxxxxxxxxx

Date of birth: xxxxxxxxxxxxx

Account type: Credit Sale

Account status: Settled

Date last updated: 01/09/2014

Account opened: 21/04/2007

Account opening balance: £1148

Regular Payment Amount: £29

Repayment frequency: Monthly

Settlement date: 24/09/2014

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so the defaulted date is 2011 from the earlier post?

 

 

dx


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so the defaulted date is 2011 from the earlier post?

 

 

dx

 

 

On the report it says 2011 yes but i'm sure it is earlier than that!

 

Currently i'm unsure as to what to do, i'm eager to start rebuilding my credit so I can buy a house when the time comes but i'm not sure how much this one is affecting my report. Does settled have any baring on it? I'm hesitant to poke the dog so to speak.

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So it will vanish on the defaults 6fh birthday

Regardless. To you doing anything


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So it will vanish on the defaults 6fh birthday

 

Regardless. To you doing anything

 

 

 

 

Yes but it should be earlier, this would be another 15 months on what it should be which is a bit of a hassle seeing as I'm also needing a new car soon.

 

I'm adamant it is wrong so is there anything I should do?

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Polite letter to the original creditor f asking?

 

There. No longer any ICO guidelines that suggest its now unfair


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sorry I was on a small screen

if there is evidence from the OC

that says a DN was issued in 2009

 

 

then I'd copy that and send it to the OC

asking them to put the CRA files correct.

 

 

dx


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So I need to drop an email to Creation and ask them to provide the details of the account or just the default date?

 

On my credit file it is still under Creation but last time it was Lowell chasing it, so would I send this onto Lowell or ask Creation to sort it?

 

Would there be any commupence for me contacting them would you think?

 

Cheers

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you already state in post 11 that the sar says default notice issue date of feb 2009

I would politely ask CCL to move the defaulted date to more inline

with when they issued the DN.

 

 

dx


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you already state in post 11 that the sar says default notice issue date of feb 2009

I would politely ask CCL to move the defaulted date to more inline

with when they issued the DN.

 

 

dx

 

 

 

So I did (it has been a while, totally forgot about that SAR).

 

I've fired them off an email, i'll let you know how it goes.

 

Thanks for your help, it's much appreciated!

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Contacted Lowell who was originally chasing and they have said they have already removed the default. They asked for a screenshot of my credit report which I sent. (Below is what I sent them which it currently shows in my report)

 

Creation Consumer Finance Ltd

Account number: ****5761

Name: XXXXXXXXXXXX

Account address: XXXXXXXXXXXX

Date of birth: XXXXXXXXXXXX

Account type: Credit Sale

Account status: Settled

Date last updated: 01/09/2014

Account opened: 21/04/2007

Account opening balance: £1148

Regular Payment Amount: £29

Repayment frequency: Monthly

Settlement date: 24/09/2014

 

This is the email I received.

"Thank you for your email.

 

I have confirmed with the relevant department and they have confirmed that the default relating to your former Richer Sounds PLC account (ref: xxxx1865) has been removed from your credit file.

 

In addition, the screen shot that you attached to your file shows an account number ending in ‘5761 and a balance of £1148 which does not correspond to the former Richer Sounds account.

 

I hope you find this information useful towards your enquiry.

 

If you have any further questions please do not hesitate to get in touch.

 

Kind Regards,"

 

Now the reference number that is in my credit report (ending 5761) i'd guess is the Creation ref and the one ending in 1865 is the Lowell ref which is where I think they have got mixed up. The values are also both different so I delved a bit further.

 

I re-checked my credit file from when I first started sorting this out as it keeps all of the old searches ( http://www.consumeractiongroup.co.uk/forum/showthread.php?406740-3-different-debts. )

 

and it shows this

Creation Consumer Finance Ltd

Account number: ****5761

Name: XXXXXXXXXXXX

Account address: XXXXXXXXXXXX

Date of birth: XXXXXXXXXXXX

Account type: Credit Sale

Account status: Default

Date last updated: 01/09/2013

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

 

So even though the amounts are different, everything else seems to tally up, including the references numbers, account opened and regular payments.

 

How should I go about getting this rectified (sorry if I havent explained it well, i'll answer questions if needs be to make it clearer)

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as post 41

 

 

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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