Credit Card Reclaiming Discussion

violetmva

Hi, last week i received the Sar from Adams (Creation Financial Services Ltd), sent them a request to pay me back the charges over last 6 years about £550 and surprise, surprise, letter came back today saying addressee has gone away What does it mean? I sent it to the Radcliffe House in Solihul. Just don't understand - there is no one there to accept? They surely send letters if your late with payments

Orford

Their registered office is:

CREATION FINANCIAL SERVICES LIMITED
CHADWICK HOUSE
BLENHEIM COURT
SOLIHULL
WEST MIDLANDS
B91 2AA

UCNShaun06

I received a cheque yesterday from Lloyds for £107.85 for CC charges although I did claim for £435.87. I am looking to claim the remainder although they don't state anything along with the cheque as to what it pays for.

What is the next step to take. Also can I cash the cheque and say I have taken £107.85 as the first installment and look forward to receiving the remainder?

Thanks in advance

violetmva

Thank you! I had the two addresses but as i sent the Sar to the Radcliffe House and got the reply quickly i sent the request as well to the same address. Will post it today. Thanks a lot!

Aadil

yeah u r rite

Aadil

but where is the solution

Aadil

but where to move,anyway ??

natweststaffmember

Aadil wrote: »

but where to move,anyway ??

Are you trying to get to a point where you can post SPAM or do you have a question?

UCNShaun06

I received a cheque yesterday from Lloyds for £107.85 for CC charges although I did claim for £435.87. They state the £107.85 is for the difference since 2006 between £12 and what charges were.

What is the next step to take. Also can I cash the cheque and say I have taken £107.85 as the first installment and look forward to receiving the remainder?

Thanks in advance

natweststaffmember

UCNShaun06 wrote: »

I received a cheque yesterday from Lloyds for £107.85 for CC charges although I did claim for £435.87. They state the £107.85 is for the difference since 2006 between £12 and what charges were.

What is the next step to take. Also can I cash the cheque and say I have taken £107.85 as the first installment and look forward to receiving the remainder?

Thanks in advance

I wouldn't cash the cheque but send it back and remind them that the OFT 842 report on page 2 or 3(google it and you will be able to read it) that only a court can decide a fair fee.