Feel like im being conned.

Valli

First of all get in touch with Creation and start/restart your payments. You will need to do this through Dreams, clearly, if your documents haven't been sent.
Ideally don't telephone companies BUT if you do keep a record of the phone call (date, time, to whom you spoke, subject of call). If you write/e mail keep a copy of all mail.

BUT get the payments started

or pay up in full AND THEN get confirmation that THAT SPECIFIC DEBT has been repaid.

be aware though, as Arcon has said, there may well be penalty payments applied to the debt.

You also need to be aware (and it has already been mentioned^^thread) that this is going to impact negatively on your credit report. You will find it VERY VERY difficult (probably impossible) to get 0% finance deals in the future; you won't get offered 'good' deals on any finance if you let this slide. If it goes to court...

Zandoni

I'd phone Paladin and ask why they are involved.

Then I'd phone Creation and ask them how you should proceed.

arcon5

What not ring this company you have never heard off and ask them who they are and why they are contacting you?

Do they have a website or stated an actual company name?
If is this: http://www.paladincommercial.co.uk/
Are they acting as debt collectors for non payment of your Premium Finance contract?

Valli

Have to say I don't believe CREATION have never heard of PALADIN.

I can quite belive that the person the OP spoke to at Creation might not have though!

And having gone through Arcon's link turns out Dreams PLC are clients of Paladin.
Chances are you're going to have to pay Paladin.

Bikecrazy

If thats what people think is right i have got the money to settle the balance. It wasnt so much paying the money owed i just thought i would ask people if they thought this situation was a bit dodgy.

Ill ring Paladin on monday and see what they say. I didnt want to pay Paladin the balance then Creation come say i owe them X amount as thats who i took the finance with.

Thankyou for the replies.

arcon5

I notice in your reply you neglect to respond to the points about them having contacted you originally in Feb and it now being April....

Based on the information provided, the only thing I think is dodgy is the customer/

DVardysShadow

Bikecrazy wrote: »

If thats what people think is right i have got the money to settle the balance. It wasnt so much paying the money owed i just thought i would ask people if they thought this situation was a bit dodgy.

Ill ring Paladin on monday and see what they say. I didnt want to pay Paladin the balance then Creation come say i owe them X amount as thats who i took the finance with.

Thankyou for the replies.

Personally, I would not pay Paladin anything at this stage. That is not to condone how you got to this position. I would write to Creation, copies to Paladin and Dreams, noting that the DD has not been taken and offering to assist in setting it up again and paying the outstanding balance.

Bikecrazy

arcon5 wrote: »

I notice in your reply you neglect to respond to the points about them having contacted you originally in Feb and it now being April....

Based on the information provided, the only thing I think is dodgy is the customer/

When i talked to them in febuary i asked them to send me details in writing of what was going on. They never got back to me about anything. Like i said earlier i dont think im at fault for anything. Something has gone wrong on dreams/Creation/Paladin side. I wouldnt have took the finance if i knew i was going to have this much hassle.

Im not a bad credit risk. I think i have a good credit score and the guy at dreams offered me alot more finance than i took out.

DVardysShadow

Bikecrazy wrote: »

When i talked to them in febuary i asked them to send me details in writing of what was going on. They never got back to me about anything. Like i said earlier i dont think im at fault for anything. Something has gone wrong on dreams/Creation/Paladin side. I wouldnt have took the finance if i knew i was going to have this much hassle.

Im not a bad credit risk. I think i have a good credit score and the guy at dreams offered me alot more finance than i took out.

If you had written to them in Feb, you could now reply that you are awaiting their response ....

arcon5

Bikecrazy wrote: »

When i talked to them in febuary i asked them to send me details in writing of what was going on. They never got back to me about anything. Like i said earlier i dont think im at fault for anything. Something has gone wrong on dreams/Creation/Paladin side. I wouldnt have took the finance if i knew i was going to have this much hassle.

Im not a bad credit risk. I think i have a good credit score and the guy at dreams offered me alot more finance than i took out.

Okay, but it's now 2 months later... having not received anything in writing, would you not see it appropriate to get in contact with them?

I think you need to take some blame here. They may be responsible for the situation arising, but you have allowed it to get to this point by not taking a more pro-active approach.

You may now wish to check your credit report to see what's been reported from the date the agreement was signed (if anything).