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Creation Personal Loan Debt Help Needed!!!

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Hello

 

Creation ….what a nightmare

I sent them my new offer at the same time as all the others, they said on 16th Oct they were putting account on hold for two weeks so that took it to 30th October to allow time for letter to arrive, review it and reply.

 

Today not even a week on they leave me a message advising account now off hold!

I rang them and could make no sense they say yes account on hold but not on hold?????

 

Do I ignore them and wait for them to reply to letter as quite frankly I don’t trust them and at least if it’s all in writing I know where I am?

Or should I call them again?

 

I ended up hanging up on them today after they put me on hold for 17 minutes!

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You should never ever be discussing your debts over the phone with anyone!!

Leaves you with no written proof.....


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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This is first time I have I thought they were phoning about my offer! Do I write to them about today or leave it as they will have my offer letter?

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Let it run


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Creation have written to me ignoring my letters so I have simply copied my offer letter and resent it.... they want me to phone them! No chance

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if you need too. move on to letter 2 £1 for life or do as I ask


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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Hi I have a personal loan with creation which I cannot afford anymore I went to CAB and got advice, wrote to Creation saying please note my circumstances have changed please freeze interest and charges..... they replied saying yes account on hold please forward income and expenditure details.....

 

I sent them in (I sent them in at the same time I wrote to other companies who all but one have accepted my new offer each month which are significantly lower than the actual payment), Creation confirmed account was on hold but two days letter took it off hold with no explanation, they are saying that they have not got my offer letter and income and expenditure form despite sending it the first time with all my other letters and a second time on it’s own....

 

I asked if I could e mail it to which I was told NO! I have been doing everything by letter but rang on one occasion to ask about the e mail address, they took the opportunity to tell me I have to send in wage slips and bank statements which CAB said absolutely not at they will use them against me to try and up my payments.

 

Can anyone offer advice or have experience with Creation?

Edited by Andyorch
Paras

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Have you proof you sent these?

 

 

ALWAYS ALWAYS obtain proof of posting as a minimum.

 

 

If you haven't proof you sent them, then I'd send the i&e form again with a covering letter explaining your financial difficulties and your offer of payment.

 

 

 

If they refuse to assist then you drop their payments to £1 a month whilst you lodge a formal complaint and that's dealt with.

 

 

 

Is this an unsecured loan?


Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

HOW DO I START A NEW THREAD?

 

 

 

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I've moved a couple of post over from your other thread so the story makes sense now.

 

dx


PLEASE DONT USE REPLY WITH QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

1. Single Premium PPI Q&A Read Here

2. Reclaim mis-sold PPI Read Here

3. Reclaim Bank Account, Loan & Credit Card Charges Read Here

4. The CAG Interest Tutorial Read Here

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