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orlauk

8yrs old Creation Finance Credit Card debt , was Moorcroft, now got Clarity Chasing me.

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has anyone had any dealings with this company

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

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WMD

 

lots of times

 

they try to fleece people on lemon debts.

 

no powers unless they OWN the debt.

 

 

see your CRA file.

 

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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i owe sygma credit card £3k

 

im just wondering are they an in house dept belonging to sygma?

 

i ask this cos their letter headings and phone number are very similiar to them.

 

they very pushy when i ring up to pay,

 

saying things like would u like to up your payment and are u prepared to pay it all off now.

 

im paying 30 pound a mth at the moment and dont intend to pay anymore.

 

when i first contacted them to offer a date when i could pay it they said it needs to be paid by the 2nd and u need to be paying 50 pound.

 

i said sorry cant pay till 4th and can only pay 30 and if u dont like it u will have to take me to court.

 

they replied well as long as u pay by the 4th then and pay that amount we will accept it for three months.

 

my three months are up now.

 

im just gunna keep on paying that amount and see what they hit me with next.

but i wont be brow beaten by bullies

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Do you have all your statements for this account as there will more than likely be charges you can re-claim, how old is the card.


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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how old is this debt/card

 

is it on your cra file?

 

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

spreadsheets 

 

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sygma have charged me about 500 pound interest.

 

yes got all statements but dont know how to go about doing it?

 

yes it is on my credit file.

 

i was on a payment plan with sygma for 3 years.

 

i paid 30 and they charged me about 27 pound interest so it never really got paid off.

 

then they wanted 3 mths wage slips and bank statements which i refused

as i dont like the idea of sumone going thru what ive spent me money on plus what happens if they get lost in post?

 

i could have my identity stolen.

so i refused to send them.

 

they chucked me off the payment plan and charged me all that interest before sending it to west midland debt collections

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ok def not fair

 

have they been levying £12 PENALT charges & have you PPI?

 

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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no ppi but have been levying twelve pound charges

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fill this in then for EVERY PENALTY CHARGE

 

 

This fourth spreadsheet is useful in calculating a regulatory based compound interest award for PPI on a Revolving Credit Account. Not all statements are required for this sheet because it will work out the compound interest on the PPI payments you do know about. It will not work out the additional 8% interest, to do that you will need spreadsheet three above AND all of your statements.

 

FosCISheet v101.xls


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 have been paying west midlands debt collection 30 pounds a month after they took over my 3000 pound creation finance debt.

 

i have always paid them promptly the last time being the 27th november.

 

the last time i paid i asked them when they wanted an income and expenditure sheet sending to them and they told me the end of december.

 

i received a letter friday from them asking me to phone them up.

 

when i phoned them they told me my payment plan had expired and i needed to send an i and e immediately.

 

they told me i needed to pay another 30 immediately or they couldnt keep me on this plan.

 

i replied ive paid it just under two week ago and he kept saying we need more we need more cant u borrow it from someone.

i insisted no.

 

he then went onto say well cant put u on payment plan then.

 

i told him take me to court and he replied well no we will sell the debt on and u will have debt collectors on ur doorstep

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Two threads merged....please keep to this one thread for this issue.

 

What have you done about reclaiming the charges?

 

You tell them what they are going to get and not the other way around.

 

Why are you phoning them....all of this should be done in writing so you have a paper trail if it is ever needed.


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why start another thread.

 

as advised

 

why are you not paying by your internet banking site?

 

who's is shown as the owner of this debt on your cra file?

 

if its NOT WMD , but stillsygma/CF

 

pay THEM via the details on the statement.

 

cut ALL comms with WMD, esp phone calls

 

and get that reclaiming going.

 

see the previous posts

 

you are under NO LEGAL OBL to converse on the phone

 

WMD [ a DCA] are NOT bailiffs

 

and they have NO SUCH legal powers.

 

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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have sent wmd collectons an i and e report.

 

they do not believe that i work only twenty hours and im not able to claim anything as i live with my brother.

 

they now want a bank statement which is very personal to me and somethng i am not prepared to give.

 

the guy on the other end of the line told me that if it got took to court then they would want a years bank statements and wage slips plus p45s.

 

i am really worred as i do not have all these to hand.

 

am stll in process of tryng to clam back payment charges

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hi

 

WHY are you still talking to these muppets on the phone?

 

why are you still paying them when they DONT OWN THE DEBT?

 

can you get your cra file please ASAP.

 

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 have a credit card debt with creation finance.

 

a year ago they passed it to moorcroft who i have paid every month.

 

had a letter recently from creation finance to say the debt has now been passed to clarity?

 

why have they done this when i had paid moorcroft every month?

 

is this normal debt collection procedure?

 

it says the debt has been passed to clarity.

 

does that mean then that creation finance still own the debt?

 

only paid moorcroft a few days ago.

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Was the debt actually assigned (sold) to Moorcroft or were they simply collecting on behalf of Creation Finance ?

 

If the debt was sold / assigned then you should have received a Notice of Assignment advising this.


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i would assume they were collecting on behalf of creation finance as both moorcroft and creation finance have sent me a letter saying the debt has been passed to clarity

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If the debt is doing the rounds then something is not quite right, can you please post more details of the debt...

 

What was the debt originally for? (loan / credit card / bank account / overdraft)

To whom? (Original Creditor)

When did you start getting into difficulties?

Has their ever been a gap of at least 6 years in-between payments?

Is the debt mostly made up of charges/PPI?

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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it was a credit card debt of around 3000 pound.

 

i was originally paying creation.

 

paid them 30 pounds every month for about three years but they always added 28 pound interest on so actually only paying two pounds.

 

after three years they demanded to see three months worth of wage slips and bank statements which i refused to do.

 

after three or four months later, me still paying thirty pounds per month and them adding 5 hundred pounds worth of charges and interest,

 

they then passed it on to west midlands debt collection services. added isssues with them. they were very aggressive.

told me we need ur bank statements wage slips. told them no.

 

told me well if it goes to court they will want to see a years worth of them.

told them well take me to court.

 

asked me if i could borrow the money off someone.

 

told them u cant ask me that, not allowed to do that.

in end passed to moorcroft who ive been paying for a year now.

 

now its been handed to clarity.

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Unless the original contract states that interest can be added by a third party then it simply cannot.

 

You need to send a CCA request to whoever is now chasing you, enclose a Postal Order for £1, the template CCA request letter is in the library section, (top toolbar in green). Send via recorded delivery & keep a copy of the track and trace receipt.

 

Once you then recieve anything back, please scan in, remove all personal info including any barcodes and post up.

 

If anyone rings, refuse to go through the security questions and hang up.

 

You also need to check your credit file to find out the owner of this debt.

 

Stigman


NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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Further to the good advice from Stig.

 

When did you take this card out. Crucial bit of information we need to know

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sorry for confusion the interest that was added was added by creation finance, the owners of the debt. moorcroft have added no interest. took the card out about 9 years ago

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i have been paying clarity debt collectors £30 per month for the last 5 months

 

since sygma gave them authority to handle my three thousand pound credit card bill which i ran into difficulties with.

 

i alaways pay it earlier than i should but

 

this month i paid it 8 days later.

 

i have now discovered that the 30 pounds i paid this month has now been refunded back into my account.

 

does anyone know why this may be?

 

could it be that they have suspended payment because they are taking me to court?

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Thread moved to correct forum.


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