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    • I disagree with the charge and also the statements sent. Firstly I have not received any correspondence from DVLA especially a statutory notice dated 2/5/2024 or a notice 16/5/2024 voiding my licence if I had I would have responded within this timeframe. The only letter received was the single justice procedure notice dated the 29.5.2024 this was received on 4.6.2024. I also disagree with the statement that tax was dishonoured through invalid indemnity claim. I disagree that the licence be voided I purchased the vehicle in Jan 2024 from RDA car sales Pontefract with agreement to collect the car on the 28.1.2024. The garage taxed the vehicle on the 25.1.24 for eleven payments on direct debit  using my debit card on my behalf. £62.18 was the initial payment on 8.2.24  and £31 per month thereafter the second payment was 1.3.24.This would run from Jan 24 to Dec 24 and a total of £372.75, therefore the car was clearly taxed before  I took the car away After checking one of my vehicle apps  I could see the vehicle was showing as untaxed it later transpired that DVLA had cancelled my tax , without reason and I did not receive any correspondence from DVLA to state why it was cancelled or when. The original payment of £62.18 had gone through and verified by my bank Lloyds so this payment was not declined. I then set up the direct debit again straight away at my local post office branch on 15.2.2024 the first payment was £31 on 1.3.2024 and subsequent payments up to Feb 2025 with a total of £372.75 which was the same total as the original DD that was set up in Jan, Therefore I claimed the £62.18 back from my bank as an indemnity claim as this payment was from the original cancelled tax from DVLA and had been cancelled . I have checked my bank account at Lloyds and every payment since Jan 24  up to date has been taken with none rejected as follows: 8.2.24 - £62.15 1.3.24 - £31.09 2.4.24 - £31.06 1.5.24 - £31.06 3.6.23-£31.06 I have paper copies of the original DD set up conformation plus a breakdown of payments per month , and a paper copy of the second DD setup with breakdown of payments plus a receipt from the post office.I can also provide bank statements showing each payment to DVLA I also ask that my licence be reinstated due to the above  
    • You know hes had it when they call out those willing to say anything even claiming tories have reduced taxes on live tv AS Salmonella says: The Conservative Party must embrace Nigel Farage to “unite the right”, Suella Braverman has urged, following a disastrous few days for Rishi Sunak. The former home secretary told The Times there was “not much difference” between the new Reform UK leader’s policies and those of the Tories, as senior Conservatives start debating the future of the party. hers.   AND Goves replacement gets caught booking in an airbnb to claim he lives locally .. as of yesterday you can rent it yourself in late July - as he'll either be gone or claiming taxpayer funded expenses for a house Alongside pictures of himself entering a house, Mr McGuinness said Surrey Heath residents “rightly expect their MP to be a part of their community”. - So whens farage getting around to renting (and subletting) a clacton beach hut?   Gove’s replacement caught out on constituency house claim as home found on Airbnb WWW.INDEPENDENT.CO.UK Social media users quickly pointed out house Ed McGuinness had posted photos in was available to rent     As Douglas Ross says he'll stand down in scotland - if he wins a Westminster seat - such devotion.
    • I've completed a draft copy to defend and will post up here for review.  Looking over the dates and payments this all stemmed from DVLA cancelling in Feb , whereby I set up a new DD in Feb hence the overlap, why they cancelled when I paid originally in Jan I have no idea. Anyway now stuck with pending court action and a suspended licence . I am also firing off a letter to DVLa recorded disputing the licence revoke
    • Thank you both for your expert knowledge and understanding. You're fighting the good fight by standing up for people like me and others with limited knowledge of this stuff. I thank you. I know all my DVLA details are good. I recently (last year) renewed my license, and my car's V5 is current with the correct details; the same is valid for my partner. I'll continue to ignore the love letters 😂 and won't let it bother either me or my partner.  I'll revisit this post if/when I get a letter of claim.  F**k ém.
    • Please check back later on today for a fuller response and some edits
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Creation Financial


mamatemi1
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Starting a new thread for these chaps.

 

 

Asked for my SAR which arrived in a week.

I have been on a DMP since Oct 2005.

Late charges on the account only come to £60

but they have only stopped charging me interest(Jan 07)

which is coming in at double my monhtly reduced payment through CCCS.

 

What is the best course of action with these guys?

I think they also defaulted my account,

what is the best course of action?

All help welcome!!:confused:

:lol:
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  • 2 weeks later...

Starting a new thread for these guys.

 

I got my SAR pretty quick from them followed by a default notice for the sum of £0.00!! My account has been in a DMP since Oct 2005. SO I called them and got a bucket of lies from the agent. You missed Dec(No I diid not ask CCCS)so we moved your account to Collections, we tried to call you but your phones don't work(My numbers have not changed in 3.5years), you are notified via your monthly statements(loan account I don't get statements) so I told her I was ending the call and writing!

 

Zubo has advised that I CCA so letter goes off today. Will keep you posted.:(

:lol:
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Mama

 

good, now we begin the countdown.

 

It will give Creation something to think about...

 

Couple of points for you and me to check:

 

I assume CCCS is managing the dmp and Creation own the debt -

 

Send CCCS a letter with a copy of the default notice and ask them in the letter to confirm to you that they have always paid Creation in accordance with the agreed schedule. That gives you hard evidence.

 

I also tend not to discuss these matters with anyone - if hassled, tell them you are seeking professional advice and have been advise to get all communication in writing. That way you have hard evidence AND you dont get worried about the calls and hastle. Control them - that is the key.

 

I am assuming that CCCS will continue to pay as per dmp - is that true?

 

I need to check how you pull Creation out of the dmp arrangement if as I suspect they do not comply. I want to make sure that if they pull the agreement out of the bag you are not in a worse position.

 

Also YOU need to follow the Bank faq - look at your SAR, make sure you have every single transaction on there (some folk have missing statements - nice try huh? ) just take your time be thorough.

 

Create your penalty charges spreadsheet - there is one in the Bank library of templates. Every transaction posted other than interest which looks wrong needs to go on the spreadsheet.

 

Follow the faq instructions, apply the interest rate as per faq and you will have a total value which you need to recover from Creation. Do not do anything yet.

 

Let us know if you have questions or need help.

[sIGPIC][/sIGPIC]

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CCCS says good luck and carry on. I quit my job(before I got sacked in 2005) and it sent everything pearshaped since I have been the main breadwinner since we got married as well as had 2 kids and mother in law lives with us....

 

I have a lot of defaults to remove and I have been refusing to add up the totals but considering Barclays hit us with over £2000 in less than 12 months, you can imagine the mess. Stupid things like ending up with 90 quids worth of charges from the bank for going £15 over od limit.

 

Thank God for CAG, I found this site because I was looking for ways to improve our credit rating. I am paying my debts but some of the CRAs have been taking the mick fortunately, CCCS has been great. Anyway, will keep you posted. CCA has gone off to Creation and I shall start working on the rest of the correspondence and paperwork!!

:lol:
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Thanks for the advice. I told CCCS was pursuing this and got the thumbs up. Will copy them into correspondence(always do with the harrasment letters fom DCAs). Only problem is that it takes them forever to acknowledge paperwork, never mind, hopefully starting early means that they should have replied by the time we get to court(if we ever do?).

 

I am using the contractual interest spreadsheets, does this complicate matters too much, but I think that since they were still charging interesto a DMP account for at least 12 months, it is the least they deserve. The other bit is that the statements are presented as a CC account with a monthly service charge and credit available whereas I understood it to be a fixed sum loan with a fixed monthly repayment by DD with no transactions other than the initial disbursement. In hindsight it all looks very dodgy as I never had a statement until I sent in an SAR request.

 

Will keep you posted. Thanks again.

:lol:
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CCCS will continue to pay Creation until advised otherwise. May take a couple of months between asking them to pull out Creation and actually effecting it but should not be a problem. They have been pretty wonderful as you guys are being.

:lol:
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Starting a new thread for these chaps. Asked for my SAR which arrived in a week. I have been on a DMP since Oct 2005. Late charges on the account only come to £60 but they have only stopped charging me interest(Jan 07) which is coming in at double my monhtly reduced payment through CCCS.

 

What is the best course of action with these guys? I think they also defaulted my account, what is the best course of action? All help welcome!!:confused:

 

Hold on...!

 

They can't continue charging interest after they have defaulted you!

(As per CCA 1974)

 

Might be worth finding out when they actually defaulted you...

 

Also, have you sent the CCA agreement request? Cost you a quid + rec/del but see if they can come up with the original agreement. Good value for total cost of 2 quid!!

 

http://www.consumeractiongroup.co.uk/forum/general-debt/20758-creditors-dcas-letter-templates.html#post162367

 

Good luck, regards, Dave.

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CCCS will continue to pay Creation until advised otherwise. May take a couple of months between asking them to pull out Creation and actually effecting it but should not be a problem. They have been pretty wonderful as you guys are being.

 

mamatemi1

 

Good - it all looks good, and I was told CCCS would be ok. I also checked on them paying and we have pulled a failed S77-79 out of a CCCS dmp successfully -because it is then unenforceable. So we will wait - just be aware that you have agreed a set monthly amount on your dmp - if we achieve pulling Creation out - ie we formally tell them it is unenforceable because they are in default - you still pay the same to CCCS - they spread Creation's money around whoever is left in the dmp....

 

so softly softly... catchee monkeee

[sIGPIC][/sIGPIC]

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I had a Creation account - now closed but I did have lots of charges on it. Can anyone let me have their address please to send the DPA? Thanks

 

Mama can you post the address for bailey...

[sIGPIC][/sIGPIC]

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  • 1 month later...

:-? Hi guys,

 

Creation are in default of my CCA. Additional 30 days up at the end of the week. I am proposing to send LBA for charges as well as a S10 notice in one. Will file N1 in court so POC can be very detailed. Any advise please? I intend to notify DMP to stop paying them once they are in criminal default as I also want credit record cleared. Too many issues at once or blind them with the legalities?

:lol:
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Sent SAR 13.03.07

Received statements 27.03.07

Sent request for payment 27.03.07

Received reply 30.03.07 - saying they would look into my claim and reply in 15 days - didn't wait -

Sent LBA 12.04.07

Received letter 20.04.07 - saying our charges are fair blah de blah but without prejudice & admission of liability they would be sending a cheque for £230.00 + £50.82 interest within next 14 days.

 

If it arrives in time I will not do moneyclaim!

 

Will let you know.......

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  • 6 months later...

Completely off topic, but I was looking through my bank statement and noticed these guys had a direct debit on my account, was a bit confused so decided to cancel it, who are they? call me naive but as far as im aware im not in debt to anyone, nor ever have been, I dont own any store cards, I have one credit card which I've never used and its issued by my bank, im a bit baffled?!

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