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

[dx100uk]

doubt it.

 

how old is this debt?

 

is it on your credit file?

 

tell us the story

 

dx

[dx100uk]

two threads merged

 

have you sent these fleecers a CCA request yet?

 

rather than blindly keep paying DCA's.

 

dx

[orlauk]

the debt itself is at least six years old. have been paying them regularly and sending in i and e information when requested. was with moorcroft for a year till they passed it onto clarity. i just dont understand why they have refunded it back into my account

[dx100uk]

get a CCA request off.

 

is this on your credit file?

 

dx

[orlauk]

yes its on my credit file? whats a cca request

[SabreSheep]

OK heres the advise given to you so far.

 

1) CCA request the people chasing the debt. ALSO keep a receipt and note of the postal order

2) Destroy your phone in a ritual of fire to prevent you talking to them or their agents over the phone (Or just keep all contact to writing only.)

 

3)I would also do a full subject access request to your original creditor. Make it a fully comprehensive request. You want everything XD I also advise sending a copy of your most recent council tax statement as additional proof of ID in order to reduce the "wriggle time" they may try to use. (EG requesting ID and other strange things to delay their compliance)

 

4) When you get a response from CCA request, use the following guide I post at the bottom (Dx's guide to godlyness in attaching files to your post) so people can give you feedback on how to proceed.

5) When you get a responce from your Subject Access request, repeat stage 4 if they are not complying.

6) When you get your bundle of stuff from the SAR look for anything that is missing and send a chaser letter

7) Examine the material. IS there any PPI or Overlimit, late payment charges? If so, begin the reclaiming process, interest in restitution may help to reduce/zero or even give money back depending on how old the charges are and how many of them.

 

Hope that helps.

 

 

Attaching Files

 

follow this:

 

**you can post up images/letters by this method immediately..you don't need 10 posts**

.

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/

http://www.convert-jpg-to-pdf.net/

..

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 http://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 BANK NAMES or CAGicon in the title

i'e Default notice DDicon-mm-yyyy

.

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

...

YOU DONT have to put a link to the attachment in the msg box..just upload it ..job done

.

[SabreSheep]

CCA request http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

[havinastella]

You were advised to send the CCA in January.

 

I think you also need to send the SAR request to the Original creditor.

 

CCA

http://www.consumeractiongroup.co.uk/forum/showthread.php?387435-CCA-Request-Consumer-Credit-Act-1974

 

SAR

http://www.consumeractiongroup.co.uk/forum/showthread.php?387306-Full-Subject-Access-Request

[havinastella]

You may also have to SAR whomever you have been paying for the last few years, just to check they have been passing the payments on.

 

I would also suggest you stop payments at the earliest opportunity (once they are in default of your CCA request)

[orlauk]

i will do that. but it still doesnt explain why they have refunded me this months payment

[dx100uk]

prob passed you on to another fleecer

as everyone else has had their share as you are just paying them

blindly assuming your should

 

a DCA is NOT A BAILIFF

 

they have

 

NO SUCH LEGAL POWERS

 

on a 9yrs old creation finance card i'd be getting an sar off to creation too.

prob find as already said by SS

 

90% of the debt is PPI and PENALTY charges

 

dx

[orlauk]

i owe the money im not trying to get out of paying it. im just fed up of them passing it on when they aint gunna get any more out of me than i can afford

[dx100uk]

who says you owe it?

 

dx

[orlauk]

i owe the money. they have charged me over 500 hundred pounds in interest and late default fees. i rang clarity today and asked them why they have reimbursed this months payment back into my bank account. apparently creation finance have recalled the account back to their own dept. im wondering if they going to take me court

[havinastella]

i owe the money. they have charged me over 500 hundred pounds in interest and late default fees. i rang clarity today and asked them why they have reimbursed this months payment back into my bank account. apparently creation finance have recalled the account back to their own dept. im wondering if they going to take me court

 

Lets hope so

[havinastella]

Have you sent the CCA and SAR today? If not, WHY?