3rd August 2018, 16:59
Originally posted by Strepsi View Post
Originally posted by Strepsi View Post
21st March 2018, 16:56
Originally posted by Strepsi View Post
Creation CC
Amount £4530
Account Opened 10/12/2013
Default 27th April 2016 (Finally...)
Creation 9/07/2016
Your agreement has now been referred to Moorcroft Debt Recovery for collection for the collection of the overdue amount. Any further payment or contact regarding your agreement show now be made to...
Moorcoft 13/7/2016
Your account detail have been passed to us by Creation Financial Services, outstanding balance £4968.38
Moorcroft Debt 19/10/2016
Please find text from letter.
'Further to your recent communication in respect of the above account, we are writing to confirm we have been in contact with Creation Financial Services Ltd.
Upon investigation of your account, our client has advised their records show that unfortunately, a copy of the agreement is unavailable due to the age of the account. However, please find enclosed statements to show how the balance was accrued.
We hope this answers any queries you may have and as a result they believe the balance we hold to be correct and due for payment.
We have placed your account on hold until the the 18th November to allow you time to receive and respond to this letter'. Then waffle.
What do you think?
Creation 8/3/2017
I am disappointed to note that we have still not heard from you regarding payment of debt...
Creation 13/10/2017
We have been attempting to contact you for sometime to discuss this debt without success...
Creation 24/10/2017
Despite our efforts to contact you and assist you in clearing the above debt, by means of a repayment ...we therefore have no alternative but to sell this account to a debt purchaser.
You have 10 days from the date of this letter...
Creation Consumer Services Ltd 19/01/2018
We are writing to notify you that Creation Financial Services Ltd sold your account to Lowell Portfolio I Ltd on 27/12/2017. The total balance sold was £4968.38...
Lowell Portfolio I Ltd 19/01/2018
We are Lowell Portfolio I Ltd, a specialist debt purchaser, which buys accounts from various organisations...The letter is intended to give you formal notice that your outstanding Asda account with Creation Financial Services Ltd was sold to Lowell Portfolio I Ltd on 27/12/2017. Lowell Portfolio I Ltd has instructed Lowell Financial Ltd to manage your account.
[I] Since then I haven't received any letters that directly relate to this debt, only letters that relate to three debts that they own.
Thank you for posting the full history which makes things a lot easier to follow
Unless I've misunderstood, you received a letter from Moorcroft in October 2016 which states that Creation Finance admit that they don't have your credit agreement.
Was that letter sent in response to a formal s 77-79 CCA Request ?
I'm pleased that Lowells haven't written to you since but if they do write post on your thread and it may make sense to reply letting them know the account is currently unenforceable (have you kept that Moorcroft letter?).
Hi Di,
Yes I still have the letter and documents, you haven't misunderstood and it was through a CCA request.
Cheers
I was wondering if someone could give some advice on this also. Cheers
Just received Data Access Report, I have forwarded some information for Niddy to take a look. I have never received this type of information, what should I be looking out for?
Should I send CCA Lowell regarding this debt, I feel the information (SAR) received was a little vague from Creation.
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