Creation finance; harrasment

[babadowab]

Hi

 

I am in dispute with creation finance over late payment.

Owed them 8 pounds 12 pence, payment was 2 days late, this was the only purchase owing as I always pay in full at each statment, charged late payment fee 20 pounds plus 3D premium added 13 Nov 2006. Then no statements till start getting phone calls on my mobile, 6 in the last 4 days. Have now received letter stating I owe 61 pounds 36 pence. How should I deal with this. The phone calls I feel are harrasment, as they are very agressive in tone.

 

I have now sent a harrassment by telephone letter.

 

All your FAQ's that I have read & the draft letters, non so far seem to relate to me, as although they are stating I owe them money, they have not taken anything, as I do not have any payment methods set up with them.

 

I really need to know how to tackle this problem. Over the phone I have offered to pay a late payment charge of 5 pounds, but this has been declined, they say I must pay as per the contract & that the calls will continue. All the time they are adding charges, that I do not owe.

 

I know that the amount is small, but still of concern.

 

Please point me in the right direction to a resolution.

[MARTIN3030]

I think the debt forum would be more appropriate.

Will move there now for you.

[lookinforinfo]

The next time they ring advise them as per your recent text[?] that you will only deal with them by letter in future and not to call you again on the phone

as it is harassment. You will log all future calls made by them and report them

to the Office of Fair Trading as being unfit to hold a Consumer Credit Licence.

Then put the phone down and repeat every time they call thereafter. At first

it may be difficult to avoid getting into a conversation, but when you realise

how frustrating it is for them, you will soon get the hang of it and totally

ignore them-it's great fun. But do report them to your local Trading Standards office [they act on behalf of the OFT].

 

Next, read the FAQs on the first page of the forum [they are in red] and the

step by step guide. In the library [also on the first page ] in the bank templates there is a letter you can send that spells out to these guys that what they are doing is unlawful. what planet are they on-A £60 bill almost for

being two days late with only an £8 payment.

So do not pay it-use the information on the forum and fight it.

[babadowab]

I am today sending the letter before action to Creation Finance.

 

There phone calls both to my mobile & my landline are continuing:mad:, although I am not picking up. The calls are also being received after 8pm which I belive I read somewhere on the site, means they are acting outside the banking code, is this something I can also do anything about:?:

This is dispite having sent a harrassrment by telephone letter to them

 

What would you advise I do next:?:

[babadowab]

Just read info again.

I will not be sending Letter before Action today as first stated, but the Perlim letter

[babadowab]

Hi All

 

Good news Creation Finance have sent me a letter saying, while they do not agree with the OFT statment of April 2006, they have decided to reduce my balance to Zero, as it was made up only of late payment charges & fees they had levied.

 

I would like to thank this site for helping me to get my money back.

 

Now I only need to tackle the other bank charges on our joint accounts, see if I can have the same result.