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 356 results
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Decision Reference DRN-3738314
6 Oct 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3738314 The complaint Mrs S is unhappy with the way Creation Financial Services Limited handled her claim under Section 75 of the Consumer Credit Act 1974 in relation to a sofa. What happened In October 2019, Mrs S took out a fixed sum loan agreement to finance a sofa that she acquired... (6 pages)View decision -
Decision Reference DRN-3604974
15 Sep 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3604974 The complaint Mrs G says Creation Financial Services Limited, has treated her unfairly in relation to two transactions on her credit card which paid for flights for her, family and friend. What happened In March 2020 Mrs G used her Creation credit card to make payments for thes... (4 pages)View decision -
Decision Reference DRN-3698448
13 Sep 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3698448 The complaint Mr R complains Creation Financial Services Limited (Creation) placed a default on his credit file in relation to his credit card account, despite having agreed a Covid payment holiday. What happened Mr R says he applied for a three-month Covid payment holiday in A... (3 pages)View decision -
Decision Reference DRN-3698601
13 Sep 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3698601 The complaint Mr P complains that Creation Financial Services Limited (“Creation”) reported his credit card account as closed on his credit file and then failed to respond to a dispute he raised through the credit reference agency. What happened Mr P holds a credit card account... (3 pages)View decision -
Decision Reference DRN-3678794
9 Sep 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3678794 The complaint Mr M complains about the information about his credit card account that Creation Financial Services Limited has recorded on his credit file. What happened I issued a provisional decision on this complaint in August 2022 in which I described what had happened as fo... (3 pages)View decision -
Decision Reference DRN-3532388
31 Aug 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3532388 The complaint Mrs N complains about delays experienced when she notified Creation Financial Services Limited (“Creation”) of her name change and their subsequent decision to cancel her old credit card. What happened Mrs N has held a credit card account provided by Creation sinc... (3 pages)View decision -
Decision Reference DRN-3448634
25 Aug 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3448634 The complaint Mr P is unhappy that Creation Financial Services Limited won’t provide him with a credit card that doesn’t have a contactless payment facility. What happened Mr P wasn’t happy that the contactless payment limit had been raised to £100 and felt that it entailed an ... (2 pages)View decision -
Decision Reference DRN-3434569
24 Jul 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3434569 The complaint Ms H complains that Creation Financial Services Limited trading as Creation rejected her section 75 claim. What happened In August 2020 Ms H was supplied with a brand-new car from a dealership and paid using her Creation credit card. The purchase price was £11,327... (3 pages)View decision -
Decision Reference DRN-3521064
22 Jul 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3521064 The complaint Mr G is unhappy that Creation Financial Services Limited can’t tell him precisely which date his credit card statement will be produced each month. This leaves him unsure which purchases will fall due for payment in each billing cycle. What happened The details of... (2 pages)View decision -
Decision Reference DRN-3592939
15 Jul 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3592939 The complaint Miss M complains Creation Financial Services Limited didn’t default her credit card in 2016 when she thinks they should have. What happened I issued a provisional decision setting out what’d happened, and what I thought about that. I’ve copied the relevant element... (3 pages)View decision
