Jump to content


  • Tweets

  • Posts

    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
    • The Notice to Hirer does not comply with the protection of Freedoms Act 2012 Schedule  4 . This is before I ask if Europarks have sent you a copy of the PCN they sent to Arval along with a copy of the hire agreement et. if they haven't done that either you are totally in the clear and have nothing to worry about and nothing to pay. The PCN they have sent you is supposed to be paid by you according to the Act within 21 days. The chucklebuts have stated 28 days which is the time that motorists have to pay. Such a basic and simple thing . The Act came out in 2012 and still they cannot get it right which is very good news for you. Sadly there is no point in telling them- they won't accept it because they lose their chance to make any money out of you. they are hoping that by writing to you demanding money plus sending in their  unregulated debt collectors and sixth rate solicitors that you might be so frightened as to pay them money so that you can sleep at night. Don't be surprised if some of their letters are done in coloured crayons-that's the sort of  level of people you will be dealing with. Makes great bedding for the rabbits though. Euro tend not to be that litigious but while you can safely ignore the debt collectors just keep an eye out for a possible Letter of Claim. They are pretty rare but musn't be ignored. Let us know so that you can send a suitably snotty letter to them showing that you are not afraid of them and are happy to go to Court as you like winning.  
    • They did reply to my defence stating it would fail and enclosed copies of NOA, DN Term letter and account statements. All copies of T&C's that could be reconstructions and the IP address on there resolves to the town where MBNA offices are, not my location
    • Here are 7 of our top tips to help you connect with young people who have left school or otherwise disengaged.View the full article
    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
  • Recommended Topics

  • 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
  • Recommended Topics

Creation Cf Ltd


munty030
style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4370 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

who has heard of these people???? we have had money taken out of our account by these people and we do not know who they are! The bank are being extremely unhelpful and have told us to call the company who we can only contact monday to friday 9-5!

 

 

:evil: :evil: :evil: :evil: :evil:

 

now got to wait until monday to get this sorted out. as the bank won't give us any other details!

Link to post
Share on other sites

  • 1 year later...

creation cf ltd is a company who do finance agreements for these companys :JJB Sports

adams kids

Flybe

West Bromwich Albion FC

M&Co.

USC

Faith

All Saints

Selfridges & Co.

Everton FC

Sainsbury's

mk one

HMV

Wolverhampton Wanderers FC

Woolworths

Derby County FC

H.Samuel

First Choice

Sheffield Wednesday FC

Carphone Warehouse

Fulham FC

Clarks

Past Times

Sainsburys

National Tyres & Autocare

ScS

Land of Leather

Car Craft

Bennetts Electrical

AHF Home Furnishings

Midlands Co-operative Society

Anglia Regional Co-operative Society

Ultralase

Focus DIY

Fraser Har

 

i currntly have a tv from bennets at buy now pay nothing for 12 months but if we dont pay all of it before next november i get charged £800 plus anything i already paid SO PAY IN FULL

Link to post
Share on other sites

  • 2 months later...
who has heard of these people???? we have had money taken out of our account by these people and we do not know who they are! The bank are being extremely unhelpful and have told us to call the company who we can only contact monday to friday 9-5!

 

 

:evil: :evil: :evil: :evil: :evil:

 

now got to wait until monday to get this sorted out. as the bank won't give us any other details!

 

 

Hi Munty030 - have you got a telephone number for Creation CF?? I'vr got the same problem - noticed a direct debit on my account but not got a clue who its for! :confused::confused::confused: Thanks

Link to post
Share on other sites

  • 4 months later...

I have had a quick Google and found......

 

Creation Consumer Finance Ltd

 

Phone: 028 90260900

Sixth Floor,

Royston House,

BELFAST,

BT1 6FX

 

Any good?

 

Regards, Rooster.

Edited by Rooster-UK
Re-formatting post.

If this has been useful to you, please click on the scales at bottom left of post. Thanks.

 

Advice & opinions of Rooster-UK are offered informally, without prejudice & without liability. Please use your own judgment.

-------------------------------------------------------

LOOK! Free CAG Toolbar.

Follow link for more information.

 

------------------------------------------------------

Please donate,

Help us to help others.

 

 

LINKS....

 

Forum Rules.

FAQs....

Link to post
Share on other sites

  • 9 months later...
  • 6 months later...

I have just cleared a balance from a suite and am concerned about the possibility of them taking further payments from my card details. Does anyone have the confidence that any further payments will not be achievable. Or should I contact my bank. I have already deleted the Direct Debit as the balance is clear but I have heard of the company helping themselves.

Link to post
Share on other sites

  • 1 month later...

Thanks for all of this. I just noticed an amount on my bank statement and was wondering what is was for but now I know that it is my first DFS payment. Would have been nice to have had word from them regarding this!

Link to post
Share on other sites

  • 5 months later...
who has heard of these people???? we have had money taken out of our account by these people and we do not know who they are! The bank are being extremely unhelpful and have told us to call the company who we can only contact monday to friday 9-5!

 

 

:evil: :evil: :evil: :evil: :evil:

 

now got to wait until monday to get this sorted out. as the bank won't give us any other details!

i have had my account deducted for a long time now £38.80 every 28 days cant get them to stop! changed my card and they are back again. lost count of what they owe!

Link to post
Share on other sites

  • 11 months later...

I have just had the offer of a credit card from creation - apparently I am pre-approved in a name that I changed from some 13 years ago and their interest rate is 29.something % in an age where interest rates are very low. Was curious enough to search and find out who on earth they could be. The address on the form might be of interest to some in this thread:

This creation card is issued by Sygma Bank UK, a Creation group company, Chadwick House, Blenheim Court, Solihull West midlands B91 2AA It also says it is a private company limited by shares incorporated in France with registration number RCS Paris B327 511 036 Authorised by the Banque de France and and subject to limited regulation by the FSA England and Wales registration no fc023963 The telephone number 0871 332 9290 is written in the documentation. hope this helps someone sort out their issue with them.

Link to post
Share on other sites

style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 4370 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

Guest
This topic is now closed to further replies.
  • Recently Browsing   0 Caggers

    • No registered users viewing this page.

  • Have we helped you ...?


×
×
  • Create New...