Jump to content


  • Tweets

  • Posts

  • Our picks

    • If you are buying a used car – you need to read this survival guide.
      • 1 reply
    • Hello,

      On 15/1/24 booked appointment with Big Motoring World (BMW) to view a mini on 17/1/24 at 8pm at their Enfield dealership.  

      Car was dirty and test drive was two circuits of roundabout on entry to the showroom.  Was p/x my car and rushed by sales exec and a manager into buying the mini and a 3yr warranty that night, sale all wrapped up by 10pm.  They strongly advised me taking warranty out on car that age (2017) and confirmed it was honoured at over 500 UK registered garages.

      The next day, 18/1/24 noticed amber engine warning light on dashboard , immediately phoned BMW aftercare team to ask for it to be investigated asap at nearest garage to me. After 15 mins on hold was told only their 5 service centres across the UK can deal with car issues with earliest date for inspection in March ! Said I’m not happy with that given what sales team advised or driving car. Told an amber warning light only advisory so to drive with caution and call back when light goes red.

      I’m not happy to do this, drive the car or with the after care experience (a sign of further stresses to come) so want a refund and to return the car asap.

      Please can you advise what I need to do today to get this done. 
       

      Many thanks 
      • 81 replies
    • Housing Association property flooding. https://www.consumeractiongroup.co.uk/topic/438641-housing-association-property-flooding/&do=findComment&comment=5124299
      • 161 replies
    • We have finally managed to obtain the transcript of this case.

      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

      Frankly I don't think that is any accident.

      One of the points that the judge made was that the customers contract with the broker specifically refers to the courier – and it is clear that the courier knows that they are acting for a third party. There is no need to name the third party. They just have to be recognisably part of a class of person – such as a sender or a recipient of the parcel.

      Please note that a recent case against UPS failed on exactly the same issue with the judge held that the Contracts (Rights of Third Parties) Act 1999 did not apply.

      We will be getting that transcript very soon. We will look at it and we will understand how the judge made such catastrophic mistakes. It was a very poor judgement.
      We will be recommending that people do include this adverse judgement in their bundle so that when they go to county court the judge will see both sides and see the arguments against this adverse judgement.
      Also, we will be to demonstrate to the judge that we are fair-minded and that we don't mind bringing everything to the attention of the judge even if it is against our own interests.
      This is good ethical practice.

      It would be very nice if the parcel delivery companies – including EVRi – practised this kind of thing as well.

       

      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
        • Like

Creation Finance Loan Agreement


hawkie85s
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 3726 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Well, I believe there maybe a few people in similar situations but I don't wish to intrude on other peoples threads.

 

Where to start, well I hate them!

I had a 3 years interest free loan agreement through Creation via Ultralase. I started travelling 6 months into the agreement but always made sure that I had sufficient funds in my account to meet the monthly payments. No problems for the first 2 years then it all came tumbling down.....

1 month (march 2013) I did not have sufficient funds to pay, I was unaware of this but kind of knew I was low in my account any way, so later in March I transferred over enough money to pay for the next months and shortly after that I transferred enough to pay for the next 4 to 5 months. It was not until I checked my online account a couple of months after to see if i need to put more money in my account that I noticed nothing had been withdrawn via DD. I tried to get hold of creation via phone which was hard in Australia, and also sent 3 emails to them before I finally got a response. The said they cancelled DD because of non payment for March. I explained why I never new about it and basically that does not matter and they told me that my payment to bring account out of arrears was £850 give or take. So basically it was £110 I pay and according to them it was 3 months missed payments, the march one and the following May and June so they are charging me £520 in penalty fees. The only reason I never paid may and June was because they cancelled the DD which I was unaware of, as I did have money in my account to pay for them.

 

Now I have collection agencies knocking at my door and it has destroyed, what was, a perfect credit rating.

I have tried to reason with creation but they say its in the hands of collection agencies and when i speak to the collection they say they cant sort that out, speak to creation.

 

I dont mind paying a late payment fee for March but not what works out to be £170-180 for it and I certainly do not want to pay fines for non payment after they cancelled DD.

 

Any help or advice for this very stressful situation would be amazing.

 

thanks for reading, sorry its long and maybe confusing :roll:

Link to post
Share on other sites

Hi welcome to CAG

These late/missed payment fees seem incredibly high, do you have a copy of the credit agreement you can check what fees are laid down in it?

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

Please Consider making a donation to keep this site running!

Nemo Mortalium Omnibus Horis Sapit: Animo et Fide:

Link to post
Share on other sites

Well, I believe there maybe a few people in similar situations but I don't wish to intrude on other peoples threads.

 

Where to start, well I hate them!

I had a 3 years interest free loan agreement through Creation via Ultralase. I started travelling 6 months into the agreement but always made sure that I had sufficient funds in my account to meet the monthly payments. No problems for the first 2 years then it all came tumbling down.....

1 month (march 2013) I did not have sufficient funds to pay, I was unaware of this but kind of knew I was low in my account any way, so later in March I transferred over enough money to pay for the next months and shortly after that I transferred enough to pay for the next 4 to 5 months. It was not until I checked my online account a couple of months after to see if i need to put more money in my account that I noticed nothing had been withdrawn via DD. I tried to get hold of creation via phone which was hard in Australia, and also sent 3 emails to them before I finally got a response. The said they cancelled DD because of non payment for March. I explained why I never new about it and basically that does not matter and they told me that my payment to bring account out of arrears was £850 give or take. So basically it was £110 I pay and according to them it was 3 months missed payments, the march one and the following May and June so they are charging me £520 in penalty fees. The only reason I never paid may and June was because they cancelled the DD which I was unaware of, as I did have money in my account to pay for them.

 

Now I have collection agencies knocking at my door and it has destroyed, what was, a perfect credit rating.

I have tried to reason with creation but they say its in the hands of collection agencies and when i speak to the collection they say they cant sort that out, speak to creation.

 

I dont mind paying a late payment fee for March but not what works out to be £170-180 for it and I certainly do not want to pay fines for non payment after they cancelled DD.

 

Any help or advice for this very stressful situation would be amazing.

 

thanks for reading, sorry its long and maybe confusing :roll:

 

Hi and welcome to CAG.

 

Are you back in the uk now?

 

You should not pay any of the charges for being late with payment.

 

The amount they claim probably includes interest on the late payment charges too which is perhaps why they appear to be high.

 

Have you got a detailed statement of account for this loan?

 

Which DCA is chasing you and has the account been sold on or is the DCA acting on behalf of Creation?

 

Link to post
Share on other sites

Hi guys,

I will try to hunt down the credit agreement forms, but have moved to new address so lots of boxes etc...

 

I haven't paid anything yet, but obviously i need to get this sorted asap.

The DCA I understand is called Clarity.

 

I have saved a page from creations website listing when payments and charges have been made on my account with them, and I have also got bank statements showing money in account for times of non-payment (except March as I know I had no funds)

 

If people can give me advice to say to the DCA or Creation would be great, as also I understand that as from tomorrow (7th April) i believe new, higher charges are applied by DCA's.

 

Thanks again

 

Oh and I am now back in UK

Edited by hawkie85s
PS I am back in UK now
Link to post
Share on other sites

Ok don't worry too much about digging out the agreement yet.

 

Do you have a statement of account from Creation or something which shows all of the charges added to the account. The type of charges you are looking for are missed payment charges, admin fees and the like?

 

Not sure what you mean by this statement

 

I understand that as from tomorrow (7th April) i believe new, higher charges are applied by DCA's.

 

You may be confusing things with bailiff fees. DCAs are most certainly not bailiffs.

 

Link to post
Share on other sites

Sorry for late reply, been really busy with work this week.

 

ims21, I have been on to my account with creation and i could not download a an account form showing everything but I did select all text a paste on to excel. so I can see where charges have been made but its all abbreviated info. I can guess at a few ARR = arrears etc.

 

I dont really know where to go from here. Can I post a picture to here or something for you guys to look at? I just want to get in contact with these people to sort things out. Im looking to buy a house and with this hanging over my head its going to be hard and credit rating is troubled.

 

Im pretty clueless at this sort of stuff.

 

Thanks again people :)

Link to post
Share on other sites

You can post documents up here....use the following method but make sure you remove anything that can identify you first

 

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

 

Link to post
Share on other sites

Yes it is a bit blurred.

 

I wonder of those £25 fees are penalty charges....quite possibly.

 

If it were me I would send a Subject Access Request (SAR) to the lender to get all of the data on the account. This will include statements.

 

There is a template for SAR in the CAG library, the link to which is at the top of every CAG page on green. There is a £10 fee and they will have 40 days to comply.

 

Add a line to the SAR to say that it is to include copies of all and any agreements you have ever had with them.

 

Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...