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
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Decision Reference DRN-3548991
5 Jul 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3548991 The complaint Mr G is unhappy with how Creation Financial Services Limited (‘Creation’) responded to his claim for money back in relation to a booking made using his credit card. What happened Mr G says he purchased accommodation using a booking platform (‘the agent’) using his... (4 pages)View decision -
Decision Reference DRN-3490842
4 Jul 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3490842 The complaint Mrs C complains that Creation Financial Services Limited mishandled her claim under section 75 of the Consumer Credit Act 1974 (“section 75”) for a faulty sofa. What happened In March 2020 Mrs C purchased a sofa and two armchairs from a retailer which cost £1,400.... (4 pages)View decision -
Decision Reference DRN-3461085
4 Jul 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3461085 The complaint Mr R says Creation Financial Services Limited provided no service when he needed to query why a payment he had made wasn’t showing on its app. What happened Mr R made a payment to Creation on 10 October 2021 and his bank confirmed the money had left, but Mr R coul... (2 pages)View decision -
Decision Reference DRN-3471703
30 Jun 2022 Creation Financial Services Limited Not upheldConsumer CreditDRN-3471703 The complaint Mrs C is unhappy with the quality of furniture she financed through an agreement with Creation Consumer Finance Limited (Creation) What happened Mrs C entered into a fixed sum loan agreement with Creation on 7 August 2021. This was to purchase furniture from a sup... (2 pages)View decision -
Decision Reference DRN-3464384
16 Jun 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3464384 The complaint Mr M complains about Creation Financial Services Limited’s (Creation) management of his credit card account. What happened Mr M says in February 2019 he arranged to transfer his credit card balance, taking advantage of a 0% interest rate. Mr M says Creation change... (2 pages)View decision -
Decision Reference DRN-3504790
30 May 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3504790 The complaint Mrs R is unhappy with the response of Creation Financial Services Limited (‘Creation’) in respect of a claim she made to it under Section 75 of the Consumer Credit Act 1974 (‘Section 75’). What happened In March 2019 Mrs R purchased a cruise with her partner (‘Mr ... (5 pages)View decision -
Decision Reference DRN-3490972
23 May 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3490972 The complaint Mr D complains that Creation Financial Services Limited increased his interest rate despite him closing his account. What happened Mr D received a letter regarding his Creation credit card, which was dated 29 January 2021. The letter stated that following a review... (5 pages)View decision -
Decision Reference DRN-3390392
20 May 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3390392 The complaint Mr H complains that Creation Financial Services Limited hasn’t transferred his reward points and hasn’t answered his correspondence about the points. What happened Mr H says he took out a Creation account card and earned just over 11,000 reward points. He says his... (2 pages)View decision -
Decision Reference DRN-3487762
19 May 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3487762 The complaint Mr M complains that Creation Financial Services Limited lent irresponsibly when it approved his credit card application. What happened The background to this complaint and my initial conclusions were set out in my provisional decision. I said: In May 2018 Mr M app... (3 pages)View decision -
Decision Reference DRN-3312405
26 Apr 2022 Creation Financial Services Limited Not upheldConsumer CreditDRN-3312405 The complaint Mrs E complains about the way Creation Financial Services Limited (‘Creation’) responded to her claim made under Section 75 of the Consumer Credit Act 1974 (‘Section 75’). What happened Mrs E took a fixed sum loan with Creation for a sofa. However, Mrs E is unhapp... (2 pages)View decision