Creation Finanace - Settling Up 0% deal - Card Charges

Richard_Ackland

12 months ago a got a sofa from SCS on a 12 months intrest free deal. Money was in the bank, but why pass up 12 months of interest on £1097 ??

Anyway.... went to settle up today on the creation website using my tesco credit card - thought might as well get some reward points too!

However is the VERY small print at the bottom of the screen (I nearly missed it) is a 4% charge on payments via credit card and a £3 charge on all other payments. In facts I cant see a way where you can just pay the bill!

Creation Finance seems a very dodgy company to me.... I have read the other posts on here !!

Not Happy !!!

Auldie_2

Hi
This is a warning to any Creation ConsumerFinance customers.....Be careful!

I bought some white goods from a department store and purchased on a buy now pay later. Now Is the time I must pay for my sins so I went online to pay. Their site www.creationcf.com as described on the agreement etc, did not come up as a secure site. If u type in the http:// bit site still came up not secure. The only way you get any security is by entering https://www.creationcf.com

A google search also comes up with a different site, same name but .co.uk instead, also not secure.
All these sites look and behave the same as far as I could tell.
P.S I also noticed the extra charge for paying by card

sammy37

Just about to pay my bill, noticed your comments, thanks. have things changed since Dec 08?

ilnf

sammy37 wrote: »

Just about to pay my bill, noticed your comments, thanks. have things changed since Dec 08?

Just paid off my laptop on this site. It was secure and there was a £3 charge. I had the option of sending a cheque with no additional charge but opted for the charge as I'm lazy and got instant confirmation it was paid off.

becky89_2

this site is a load of crap! creation consumer finance ltd are a waste of time they wont even take my money, so i cant pay off my loan. talk about a pain i the !!!!. becky

icdabin

Thanks for the heads up I just made a purchase using thier interest free option.

isobelle01

Richard_Ackland wrote: »

12 months ago a got a sofa from SCS on a 12 months intrest free deal. Money was in the bank, but why pass up 12 months of interest on £1097 ??

Anyway.... went to settle up today on the creation website using my tesco credit card - thought might as well get some reward points too!

However is the VERY small print at the bottom of the screen (I nearly missed it) is a 4% charge on payments via credit card and a £3 charge on all other payments. In facts I cant see a way where you can just pay the bill!

Creation Finance seems a very dodgy company to me.... I have read the other posts on here !!

Not Happy !!!

Hi I have had exactly the same experience with creation fc after buying my laptop from Currys it's almost impossible to pay on line and they charge you for every other form of payment except a cheque and through my experience with them it would be advisable to send your cheque registered post. They send no billing advice at all I expect they are hoping you will forget your last payment where my bill would esculate from £422.09 to £736.30 this is very scary. I am in the process of contacting Currys to make them aware of the problems customers are having and if enough people do this it might help eliminate problems with debt.

copseman

I filled out the Finance forms on the Dell computer site.Buy now pay 12months later.I went through it all including card details.When It came to confirming I noticed I had to agree to a £49 charge to set this up.So I did not tick the box and cancelled.Saw my bank statement a few days later,They had taken £49 out.

I phoned my bank who told me to cantact them.So I did.They said they have no record of this transaction because it will not show on their system.They said it must have been my fault and I must have filled it in.I said if that is the case where is my computer and agreement.He then said send him my bank statement.After a few strong words I will now go back to my bank.

My advice is do not touch this company.Dell should stop using these.

williamiain

I too have had an unpleasant experience with this company.I bought a Dell Computer in September. I was offered a years interest-free credit, which I accepted. I paid a deposit of £49 on 30/9/2010. When I received the credit agreement, I found that I was expected to agree to pay the balance back at the expiration of a year and, if I forgot to do so, would immediately be liable for a much larger sum. The interest rate for any unpaid balance was, in my opinion, extortionate.
I immediately told Dell but I did not want the finance. The sales department told me that the agreement would be cancelled, that my deposit would be refunded and I could tear up the agreement and not worry about it any more. I paid by Visa card for the computer and it was delivered. At the end of November, going through my bank statement, I noticed that the money had not been refunded as promised. I contacted Dell immediately to complain. I got an automated reply but to date have received no other confirmation that my complaint was being addressed. I also contacted Creation by e-mail but do not think I even had the courtesy of a confirmation e-mail. Today I have checked my bank account and discovered that on 3/12/2010 my deposit was refunded, some two months late. I cannot tell whether they intended to keep it in the absence of any complaint from me. However I think that is a fair assumption given the passage of time since the promise of a refund. I have now got to wait the full year to discover whether they have indeed cancelled my contract, because I have had nothing either from Dell or from Creation to confirm that it no longer exists. It is quite possible that the company has cancelled the contract and I have nothing to worry about. However I have no way of confirming this at present and will have to make a second complaint to seek confirmation.
My conclusion: I will not be tempted again and I would suggest that you should be very careful before you agree to take this year's interest-free finance. If you do need it, perhaps try sending the cheque a few weeks in advance of the anniversary and check in good time to see if it has been cashed.

bowmanera

I came into contact with these people in January 2011. I was contemplating buying two laptops from Dell and got passed to creation by the Dell system.

I filled in extensive forms and got a credit offer for the purchase. However when I read the agreement page I decided not to go ahead and backed away without accepting their forms.
Dell subsequently emailed me acknowledging the cancellation.

Today I got my credit card statement and find that creationcf have charged my account £39.90.

Where I go from here who knows, because when I looked on their site I have a credit agreement with them for Dell goods