Which Debt Collection Agency/s do Creation Finance Use?

[Feebee_71]

Hi there all,

 

Can anyone tell me which debt collection agencies are used by Creation Finance?

 

A little background - I bought a car with finance over 5 years and secondary agreement for work needed through Creation Finance.

 

Lost my job a few months ago and came to arrangements with my creditors for reduced payments every month.

 

Creation sent me an income/expenditure form and agreed to accept £10/month. First payment was made in July and next payment due next week.

 

Today received a letter dated 2nd August from Creation with default notice contained within it - not overly suprised as now 4 payments behind on usual schedule.

 

Tried to call them to make sure this is just 'normal' process and that they are still expecting next reduced payment next week and bloke on end of phone was incredibly rude saying they can't talk to me as they've 'sold the debt to a debt collection agency' he couldn't tell me when it was sold, who it was sold to or even discuss the letter I received this morning - he even went on to say that no-one would be able to speak to me on the phone as they no longer have control over the account!!

 

He also said that the DCA would automatically add £75 minimum to the account. He did say a letter was in the post from the DCA but didn't know when it was sent out!!

 

I was quite surprised they have taken this step as they only accepted the reduced payment amount in June and they set the first payment for July.

 

Mum says to go to CAB about it and get them to write a letter and get the charges removed - creation have added charges to the account but various people have said they will get some of the charges removed (though not all as can only remove one lot of charges!!) it looks as if there have been about £40/50 added already.

 

Who should I expect a letter from next? And what is the best course of action?

 

Feebee_71

[BRIGADIER2JCS]

Hi there all,

 

Can anyone tell me which debt collection agencies are used by Creation Finance?

 

A little background - I bought a car with finance over 5 years and secondary agreement for work needed through Creation Finance.

 

Lost my job a few months ago and came to arrangements with my creditors for reduced payments every month.

 

Creation sent me an income/expenditure form and agreed to accept £10/month. First payment was made in July and next payment due next week.

 

Today received a letter dated 2nd August from Creation with default notice contained within it - not overly suprised as now 4 payments behind on usual schedule.

 

Tried to call them to make sure this is just 'normal' process and that they are still expecting next reduced payment next week and bloke on end of phone was incredibly rude saying they can't talk to me as they've 'sold the debt to a debt collection agency' he couldn't tell me when it was sold, who it was sold to or even discuss the letter I received this morning - he even went on to say that no-one would be able to speak to me on the phone as they no longer have control over the account!!

 

He also said that the DCA would automatically add £75 minimum to the account. He did say a letter was in the post from the DCA but didn't know when it was sent out!!

 

I was quite surprised they have taken this step as they only accepted the reduced payment amount in June and they set the first payment for July.

 

Mum says to go to CAB about it and get them to write a letter and get the charges removed - creation have added charges to the account but various people have said they will get some of the charges removed (though not all as can only remove one lot of charges!!) it looks as if there have been about £40/50 added already.

 

Who should I expect a letter from next? And what is the best course of action?

 

Feebee_71

You will get a letter from the DCA probably accompanied by an assignment

notice from the finance company, as to which DCA they use it could be

one of dozens.

Wait and see what the DCA is saying, not really any thing you can do

until then.

[Feebee_71]

Thanks for the quick reply - I know sometimes some companies use specific DCA's which was why I asked.

 

Will have to sit by the door and wait for the letter to arrive!!

 

Well, they'll not get any more money than Creation have been told they can have as I don't have any more than that available - and could probably do with paying less!!

 

Feebee_71

[BRIGADIER2JCS]

Hi, Feebee,

 

That's all you can do, they can't tell

you what to pay YOU ARE IN CONTROL

you know what you can afford, they don't.

 

Brig.

[Feebee_71]

So true Brig,

 

And I know that, if they were to take it to court, a judge would probably order me to pay £1/month!!

 

Feebee_71

[maroondevo52]

 

Can anyone tell me which debt collection agencies are used by Creation Finance?

 

 

Think there's a few, Mackenzie Hall, Lowell,CSL, the list could be endless.