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emmajones1976

There has been a grand total of ONE business day since you bought it.

One.

Give them time, for crying out loud.

General_query

emmajones1976 said:

There has been a grand total of ONE business day since you bought it.

One.

Give them time, for crying out loud.

Okay fair point if a bit harsh! But why haven't we been emailed a copy of the credit agreement then? Does it go to Creation then back to them? And who "will" send us a copy then?

emmajones1976

I think I need to be harsh in an attempt to knock some serenity and calmness into you!

No idea, its been longer than 10 years since I did any agreement through Dreams(?) myself. 

General_query

The salesman rang Creation on Saturday in front of me, they gave him another incorrect number to ring. He rang again and was given another incorrect number. 3rd time he got through to someone who told him I needed to email them after he explained his mistake.

Just saying they seem an incompetent company to deal with and aren't "customer friendly" so can't see them in a hurry to reply to me...

https://uk.trustpilot.com/review/www.creation.co.uk

emmajones1976

People are more likely to hit their keyboards to moan rather than praise, to be honest.

Nothing more to add than what I have already said. Stop worrying, give them time to sort it, and if they couldnt find you during the credit check it certainly wouldnt have passed you, 0% finance is generally much harder to obtain than interest bearing finance.

General_query

emmajones1976 said:

People are more likely to hit their keyboards to moan rather than praise, to be honest.

Nothing more to add than what I have already said. Stop worrying, give them time to sort it, and if they couldnt find you during the credit check it certainly wouldnt have passed you, 0% finance is generally much harder to obtain than interest bearing finance.

Thank you. Can you bring me a cup of tea and a few biscuits now? I need to relax! 

born_again

General_query said:

[Apologies if this is in the wrong forum].

Hello, on Saturday 22nd January, I purchased a bed frame and mattress from a well known high street bed retailer while we were having a day out of town.

The salesman offered us 6 months interest free credit on the order which totalled £399.98, and having paid an immediate £80 deposit by debit card, I was told the remaining balance of £319.98 would be due split monthly by direct debit starting from the day of delivery.

Anyway, within minutes of leaving the store to continue our day out at the coast, we checked the printed invoice / receipt we were given and noticed the salesman had incorrectly typed my surname, i.e. he entered it as ending in rt and not the correct tt

I then very worriedly rang the store to make him aware of this error he had made, and then went back into the store to speak to the salesman again as I was rightly worried the finance / credit and direct debit would not now go through as he had spelt / entered my surname incorrectly.

He then rang up and spoke to someone at the finance company (Creation) within an hour of the original sale while I was sat waiting in front of him, and he explained to the Creation person what had happened and that he had entered my surname incorrectly, entering the last two letters as rt and not the correct tt. After he’d finished speaking to the person from Creation he then said that Creation had asked him to get me to email them at the address they gave him, and to quote the finance number he gave me, to confirm what had happened and to also attach photo proof of my ID, which shows the correct spelling of my surname.

I did this on Saturday night when we got home from our day out.

As this was the salesmans error and not mine (it is the store employees who sit and process the sales invoice and enter the finance / credit details onto their computer system – not the customer), I stated that I will not be liable for any charges for correcting / amending my surname that he entered onto their system. I even handed the salesman my debit card so he could set up the direct debit details as all the required details were on the card (sort code & account number) that he said he needed to set things up.

I also asked in my email that having now provided them with my proof of ID and explained all this to them, can they please acknowledge receipt of my email and that they make the necessary alteration at no cost to myself so this order can go ahead with my correct surname on their files please. I again mentioned that the salesman during his phone call to them made it clear it was his error and that this will not cost me, the customer, any charges / fees / money.

It is now 9.50am Tuesday morning and the company hasn't responded. And we are getting really worried, upset and stressed about this.

I don’t see why I, the paying customer has to do all this to sort out his mistake, rather than the store, when it was the staff member who misheard my surname as I spelt it out to him, and he set things up with an incorrect spelling despite him also holding my debit card with my name written on it. (However I am doing as requested by the store to get this matter rectified and sorted).

Also, the salesman asked after setting up the finance / credit details if I’d like a copy printing out or emailed (I’d already chosen to have an email store order confirmation), yet I still have not received anything to do with the finance / credit he set up, which I am very concerned about. I just have a basic printed “store” invoice as explained and an email order confirmation that have my incorrectly spelt surname.

Yes, I know we should have checked as soon as he handed us the printed invoice, but even then it was too late as he's entered my surname wrong.

Any advice on how to get this resolved please? We shouldn't have to chase this up but the finance company haven't responded to my email and we shouldn't have to as it was the salesmans error.

Surely the direct debit and 6 months interest free credit has to now fail as it isn't in my surname due to the mispelling?

Feeling really sick with worry over this and when you google Creation Finance, they get dreadful reviews with shocking customer service. 

Please help / advise........

Thank you.

Direct debit will not be effected as it works on sort code & Account number. Not name.


Of course you would have to send proof of ID I would not want to let a retailer do that.


Sit back & relax. Credit agreement will not start till the goods are delivered.
Yes they made a mistake, They are human after all. At a guess his finger hit r instead of t, as they are next to each other on the keyboard.
Creation are aware of the problem & will be sorting it. Remember you are not the only person who will have credit through them at the weekend. 

MattMattMattUK

Apart form the matter in your OP, which is almost irrelevant as it will get sorted in a few days, I would really suggest you speak to your GP and look at some methods and/or medication to manage your anxiety. If something as small and unimportant as this issue gets you this worked up then it is time to seek help.

Sandtree

Credit references checks are done using fuzzy logic to deal with the fact that people may intentionally or otherwise make small alterations to their name... eg use a diminutive form - Dan/Daniel, Andy/Andrew, or vary use of double barrel names Smith Jones -v- Smith-Jones -v- Smith or make small changes like adding/dropping an e, subbing i and y etc.

This is done to deal with people who are inconsistent with their name for none nefarious purposes and also those that hope they can hide from their past by making changes to their names.

Credit checks come back to the lender with a confidence factor that the data relates to the applicant, most lenders set a minimum confidence factor that they are willing to accept. Clearly in this case whilst there was a typo in the name enough of the rest of the details matched for the lender to be comfortable offering the line of credit despite the error. Its now just an administrative task to make the spelling mistake correction.

cx6

Just to point out that I presume you signed the form?

If so, you (and not the salesman) are responsible for checking that what you signed it correct.