Creation Finance debited money from me after closing account

danieljm

I purchased a television from Currys over a year ago, a few weeks back, £212 was owed on the store credit account, rather than pay this monthly, I decided to pay it off in full, and have it done with as I no longer wish to be in credit with any companies.

Following my payment, I received an email confirming a payment had been made; but it did not indicate that the payment was full, or that my account was closed. I have not received any correspondence by mail, apart from statements, the last one being received at least a few months back. When I log into my creation account and try to access the agreement, I am unable to, I am redirected to an error page, but in my account overview screen (where all of my agreements are shown), the account still shows as current.

2 days after making the full payment, Creation then debited my bank account for the monthly installment (approximately £28)

I emailed Creation as soon as I found out (Thursday), and they promise on their website to respond to all emails within 24 hours, there is no mention of working days, etc. I am still to hear from them.

I will call them tomorrow, but I'm not sure I have any proof that the payment was made in full.

Can anyone offer any advice?

I would not recommend that anyone uses Creation; ever.

Gaz83

danieljm wrote: »

I purchased a television from Currys over a year ago, a few weeks back, £212 was owed on the store credit account, rather than pay this monthly, I decided to pay it off in full, and have it done with as I no longer wish to be in credit with any companies.

Following my payment, I received an email confirming a payment had been made; but it did not indicate that the payment was full, or that my account was closed. I have not received any correspondence by mail, apart from statements, the last one being received at least a few months back. When I log into my creation account and try to access the agreement, I am unable to, I am redirected to an error page, but in my account overview screen (where all of my agreements are shown), the account still shows as current.

2 days after making the full payment, Creation then debited my bank account for the monthly installment (approximately £28)

I emailed Creation as soon as I found out (Thursday), and they promise on their website to respond to all emails within 24 hours, there is no mention of working days, etc. I am still to hear from them.

I will call them tomorrow, but I'm not sure I have any proof that the payment was made in full.

Can anyone offer any advice?

I would not recommend that anyone uses Creation; ever.

It was daft to make a payment two days before a payment was scheduled to come off. That payment would have already been in their system, scheduled to come off.

Would have been better waiting until that payment came off, then making a payment for (x - 28).

Gaz83

How did you make the payment? A bank transfer, or a card payment online / over the phone?

danieljm

The payment was made by Visa debit card.

In regards to making the payment 2 days before the DD came out, I understand that they have to process sometimes.

Gaz83

It's not that they have to process 'sometimes', it's that they have to process all the time.

Sounds very much like you've made a payment when the DD was already 'queued' in their system. Wait until they e-mail back, or try phoning them tomorrow.

Gaz83

Also: is this your only negative experience with this company?

If so, it's a bit unfair to recommend to everyone not to use them based on this, which isn't their fault.

danieljm

I emailed them once in the past, but never received a reply, so I'm concerned that this will happen again. Going to call them tomorrow afternoon.

I didn't realize that the DD was actually due, as far as I was aware, it was just over a week until it went out.

I'm mostly disappointed that I didn't receive confirmation that the account is no longer in arrears & closed.

Gaz83

If it was in arrears (you didn't mention that before), is it possible it won't be closed? We're there any charges or anything like that?

poppasmurf_bewdley

If you were paying off in full, why didn't you cancel the Direct Debit? It's the first thing I do when I finish with any company.