Help with letter received from Creation financial services

[molly153]

I have a DMP with the cccs which has been in place for years (its quite a high debt so going to take a while to pay off) I have had a letter today from creation (one of the creditors) saying that my temporary repayment arrangement has come to an end (temporary being the last 5 years) and that the interest is now going to be applied nad the min monthly payment needs to be met starting from my next statement!

Before I had a DMP with the cccs I had one with a company that charged for it (in my ignorance) and the whole time this was in place (2 years) the ppi was added to the account despite me asking repeatedly for it to be removed (hardly need payment protection when the account is in arrears and I need help to pay it back) eventually they cancelled it but only after my account balance had doubled so instead of owing them £800 I owed them nearly £2k! I have read that these things can now be challenged, what is the best way to go about this, is there much chance I can have the ppi amounts removed?

Thanks for your help in advance

[maroondevo52]

Hi, molly.

 

Have you CCA'd Creation ?

 

I'll move this thread to the PPI Forum, you'll get help in there.

 

Regards.

 

Scott.

[molly153]

Thanks for that. I did send a cca ages ago but not sure I ever got a response or not. Other things took over and i never had the chance to chase it up. Shall I send them a new request?

[molly153]

Hi can anyone help with my enquiry? I want to challenge them on the insurance that they added to the account and I need to get in touch with them in the next few days before they start adding interest on to the account. Thanks in advance!

[maroondevo52]

Hi, molly.

 

I'll try and get someone to help you.

 

Regards.

 

Scott.

[pompeyfaith]

Good Evening Molly,

 

Lets see if we can get you on the road to claim this PPI back now i would instead of doing CCA REQUEST which would only give you a copy of the credit agreement, send of an S.A.R LETTER this will force them to supply every bit of data they hold on you be it credit agreement,statements,telephone recordings,etc ill put a link to a template letter below for you just edit it to suit your circumstances.

 

This will cost you £10 as that is a statutory fee under the data protection act 1998 just enclose a postal order with the letter also send it recorded delivery and get a postal receipt as this will be your prove of posting.

 

You will also have to allow 40+2 days as this is the time limit they are allowed to do there search.

 

Once you have this information we can then set about the claim i will go more into this once you receive all the info.

 

Remember as well as the cost of the PPI policy you can also claim the interest at the rate they charged you hence why we need as much info as possible.

 

Regards

 

Pompeyfaith

[hellhasnofury]

Thanks for that. I did send a cca ages ago but not sure I ever got a response or not. Other things took over and i never had the chance to chase it up. Shall I send them a new request?

 

Hello Molly,

 

Creation Finance:mad:

 

Please check this one out as soon as possible.

 

When did you send a ca request?????

 

Did you send the £1 fee???? and did they cash it?????

 

Did you send the letter recorded delivery and did they receive it???????

 

These things are really important to know, because if they have not complied with this request they are in breach of the cca and you have rights:D

 

Do as Pompey suggests and send the full SAR, send recorded delivery and trace and track the letter on the royal mail website:D

 

Full SAR for ppi

 

When you attempted to cancel the ppi repeatedly, did you phone them or write to them?????????

 

You also want info on this from your SAR

[molly153]

Thanks guys

Well I think that it was about 18 months ago I sent off the cca request. I have a feeling they cashed the cheque and never sent the info. I had a bit of a family situation and never got round to chasing it all up hence this letter has prompted me into action again. I will send a SAR tomorrow recorded delivery.

When i tried to cancel the ppi I phoned and wrote to them several times, several of which were faxed, I don't have the copies anymore though I don't think. I will look through my paperwork

[dpick]

Hi if they comply with a full sar then a copy of any letter you have sent them(including CCA request PPI cancelation letters/fax they are to thick to check if they complied with CCA request) and copies of any letter they have sent to you should be included you will be able to see from statements date they cashed you cheque for CCA etc.

 

dpick

[molly153]

great, i will get that done tomorrow and send it off. Be interesting to see if they comply

[chelle_hutch]

Hi, I was wondering, have you had any reply from these people? I am having HUGE difficulty getting them to respond to any of my requests. Even when I call I get put on hold then hung up on!!

 

Thanks

[molly153]

Hi sorry for delayed response, been away. No nothing from them, they are swines to deal with, when i was trying to cancel the ppi they said they had no record of my request and even when I was paying them via a dmp they still applied the ppi so surely its obvious I didn't want it. In the end I had to tell them that I would cease all payments if they didn't remove it and they gave me the address of the provider to write to which I did if i remember rightly. Now my debt is double its original size because of the ppi and i have been making payments on it for 5 years or more! Crazy and illegal I am sure!