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 361 results
-
Decision Reference DRN-4968664
12 Nov 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4968664 The complaint Mr T complains that Creation Financial Services Limited hasn’t provided the requested breakdown of the interest charges, and how they were calculated for the period from the initiation of a 0% balance transfer in December 2022, on his credit card account. What ... (3 pages)View decision -
Decision Reference DRN-5070199
10 Oct 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-5070199 The complaint Mr M complains that he was unable to use the “Flex” option when making a purchase using his credit card, issued by Creation Financial Services Limited. As a result, he has had to pay interest on the purchase. What happened Mr M has a credit card, issued by Crea... (3 pages)View decision -
Decision Reference DRN-4895405
5 Sep 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4895405 The complaint Mr B complains about the way that Creation Financial Services Limited has dealt with his credit card account. What happened Mr B owes money to Creation Financial Services under a credit agreement. He complained to it about a number of issues in April 2024, incl... (3 pages)View decision -
Decision Reference DRN-4819518
21 Aug 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4819518 The complaint Mr M complains that Creation Financial Services Limited trading as Creation decreased the credit limit on his credit card. And he complains that Creation failed to give him adequate notice of that change causing him concerns when he was notified his spending wa... (3 pages)View decision -
Decision Reference DRN-4963963
20 Aug 2024 Creation Financial Services Limited Not upheldConsumer CreditDRN-4963963 The complaint Ms H complains about contact from Creation Financial Services Limited asking her to make repayments to a debt she believed was already cleared in full. What happened Ms H has a credit card with Creation. In February 2022 Ms H raised a complaint with Creation a... (3 pages)View decision -
Decision Reference DRN-4596966
14 Aug 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4596966 The complaint Mr M complains that Creation Financial Services Limited won’t refund him his money for a package holiday. What happened In February 2020 Mr M used his Creation credit card to part pay for a package holiday for his family to Greece. Due to th... (5 pages)View decision -
Decision Reference DRN-4806333
27 Jun 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4806333 The complaint Ms R complains about interest applied to her credit card by Creation Financial Services Limited trading as Creation. What happened Ms R has a Creation credit card. On 17 August 2023 Creation sent Ms R a credit card statement that said she needed to make a minimum ... (2 pages)View decision -
Decision Reference DRN-4802287
21 May 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4802287 The complaint Mr A complains about the level of service he received from Creation Financial Services Limited (Creation). What happened Mr A has a credit card with Creation and has made several complaints. Our investigator explained that part of Mr A’s complaint had been brought... (3 pages)View decision -
Decision Reference DRN-4478930
20 May 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4478930 The complaint Mr A complains Creation Financial Services Limited has not met its obligations in regard to a transaction made on his credit card to purchase two mobile phones. What happened In February 2023 Mr A used his Creation credit card to purchase two more co... (3 pages)View decision -
Decision Reference DRN-4575450
9 May 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4575450 The complaint Mr G complains that Creation Financial Services Limited (CFS) didn’t freeze interest charges on his account which he says it agreed to do. He would like the charges waived so that he is only liable for the original balance. What happened The details of this compla... (2 pages)View decision
