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about 3 years ago, Hubby and I bought a sofa through the now defunct Land of Leather, and took out finance with Creation Finance.
due to us taking out a DMP, we changed bank accounts, and for a short time were using mine, which Creation refused to take money from a it "is not in the account holders name". After threatening them with legal action they agreed to begin taking payments again, upping the payment from £35pm to £56 pm to "catch up", something we refused to do (not our fault if they admitted they hadn't applied for payments). In June, due to the fact this bill was STILL not being paid, Hubby opened a new bank account and we gave Creation these details, they tried to up the payments to £75 per month (I think the words were it will be a cold day in hell before that happens) and we were given a date of 21/11/2011 as a pay off date (my birthday hence my memory). While we have been on hols, we have recieved umpteen phonecalls from Creation with regards to this account's "outstanding balance" as no one on their end has updated the details. (Again, not our fault) They are now hounding us, we have sent in 4 letters saying that all correspondence must be done by writing, and asked for a statement of account (I can't give you that, the account isn't in your name.. the account holder has to write in). they are denying they have recieved a thing and insist we over them nearly £200 for a paid (to our mind) account.
What rights do we have if they have simply refused to accept payments?
due to us taking out a DMP, we changed bank accounts, and for a short time were using mine, which Creation refused to take money from a it "is not in the account holders name". After threatening them with legal action they agreed to begin taking payments again, upping the payment from £35pm to £56 pm to "catch up", something we refused to do (not our fault if they admitted they hadn't applied for payments). In June, due to the fact this bill was STILL not being paid, Hubby opened a new bank account and we gave Creation these details, they tried to up the payments to £75 per month (I think the words were it will be a cold day in hell before that happens) and we were given a date of 21/11/2011 as a pay off date (my birthday hence my memory). While we have been on hols, we have recieved umpteen phonecalls from Creation with regards to this account's "outstanding balance" as no one on their end has updated the details. (Again, not our fault) They are now hounding us, we have sent in 4 letters saying that all correspondence must be done by writing, and asked for a statement of account (I can't give you that, the account isn't in your name.. the account holder has to write in). they are denying they have recieved a thing and insist we over them nearly £200 for a paid (to our mind) account.
What rights do we have if they have simply refused to accept payments?
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