We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 366 results
-
Decision Reference DRN-6093393
21 Jan 2026 Creation Financial Services Limited Not upheldConsumer CreditDRN-6093393 The complaint Ms M complains that that Creation Financial Services Limited included the wrong first names and used the wrong business name in correspondence that was sent to her. What happened Ms M had a credit card with Creation that was opened in September 2017. The accou... (2 pages)View decision -
Decision Reference DRN-6059960
14 Jan 2026 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-6059960 The complaint Creation Financial Services Limited (‘Creation’) provided Mr B with a credit card and a flexpay store account in 2017. The flexpay account had an opening credit limit of £3,500. The credit card had a credit limit of £3,000. This was increased to £4,500 in 2018,... (2 pages)View decision -
Decision Reference DRN-5857617
12 Dec 2025 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-5857617 The complaint Creation Financial Services Limited (Creation) provided Mrs F with a credit card in 2012. It had a credit limit of £2,500. Mrs F says the credit was provided irresponsibly. What happened The details of this complaint are well-known to both parties, so I won’t r... (2 pages)View decision -
Decision Reference DRN-5689012
21 Nov 2025 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-5689012 The complaint Mr K complained about the way Creation Financial Services Limited responded to a claim for money back for purchases of goods and services he made using his credit card. What happened Mr K said he bought a boiler including installation for around £2,980 in May ... (3 pages)View decision -
Decision Reference DRN-5951788
14 Nov 2025 Creation Financial Services Limited UpheldBanking and PaymentsDRN-5951788 The complaint Mr S complains about Creation Financial Services Limited closing his account in respect of persistent debt. What happened I won’t repeat the background in detail as it is familiar to all parties. This reflects my informal remit. Mr S had a credit card account w... (3 pages)View decision -
Decision Reference DRN-5738874
28 Aug 2025 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-5738874 The complaint Mr F complains that Creation Financial Services Limited (Creation) has treated him unfairly in relation to its obligations with regard to a payment he made using his credit card. What happened Between 17 and 25 November 2024, Mr F and his family stayed at a hot... (4 pages)View decision -
Decision Reference DRN-5695470
16 Jul 2025 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-5695470 The complaint Mr T complains that Creation Financial Services Limited declined his claim made under Section 75 of the Consumer Credit Act 1974 (CCA). He’d like the claim accepted. What happened In August 2023 Mr T used his Creation credit card to pay £4,400 towards an agree... (3 pages)View decision -
Decision Reference DRN-5632235
7 Jul 2025 Creation Financial Services Limited UpheldBanking and PaymentsDRN-5632235 The complaint Mrs H complains Creation Financial Services Limited (“Creation”) closed her account without providing her with proper notice. What happened In January 2025, Creation closed Mrs H’s credit card account. Mrs H said she received no notice of this, but Creation sa... (2 pages)View decision -
Decision Reference DRN-5593181
13 Jun 2025 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-5593181 The complaint Mr G complains that Creation Financial Services trading as Creation lent irresponsibly when it approved his credit card application and later increased the credit limit. What happened Mr G applied for a Creation credit card in August 2013. In his application, Mr G... (3 pages)View decision -
Decision Reference DRN-5551950
12 May 2025 Creation Financial Services Limited UpheldBanking and PaymentsDRN-5551950 The complaint Mr P complains that Creation Financial Services Limited (“Creation”) failed to uphold his claim under Section 75 Consumer Credit Act 1975 (“s.75”) in full. Mrs P has represented her husband in making this claim, but for ease of reference I will refer to him alone ... (6 pages)View decision
1 of 37
Next