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-3402968
21 Apr 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3402968 The complaint Mrs P complains that Creation Financial Services Limited lent irresponsibly when it approved her credit card application and later increased the credit limit. What happened In May 2015 Mrs P applied for a credit card with Creation. Mrs P’s application said she wa... (2 pages)View decision -
Decision Reference DRN-3345873
19 Apr 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3345873 The complaint Mr P complains that Creation Financial Services Limited made an interest charge when he was told his account was placed on hold. What happened Mr P says he contacted Creation in April 2021 about his credit card account and told it he couldn’t pay his full monthly ... (2 pages)View decision -
Decision Reference DRN-3223037
5 Apr 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3223037 The complaint Miss K complains about difficulties obtaining a refund from Creation Financial Services Limited after her credit card was closed. What happened In July 2020 Miss K’s credit card was closed. At the time, there was a credit balance of £1.96 on the account. Last year... (2 pages)View decision -
Decision Reference DRN-3387499
1 Apr 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3387499 The complaint Mr H complains about the way Creation Financial Services Limited (‘Creation’) handled his claim for a refund for flight tickets he paid for using his Creation credit card. What happened Mr H bought return flight tickets for him and his wife in January 2020 from a... (3 pages)View decision -
Decision Reference DRN-3389284
23 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3389284 The complaint Mrs V complains that Creation Financial Services Limited have irresponsibly lent to her. What happened Mrs V applied for a Creation credit card in July 2016 and was accepted with a £7,500 credit limit. Mrs V says she asked Creation several times to lower the credi... (4 pages)View decision -
Decision Reference DRN-3375107
18 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3375107 The complaint Miss C complains that Creation Financial Services Limited have irresponsibly lent to her. What happened Miss C applied for a Creation credit card in September 2018. Creation accepted her application and approved a credit limit of £5,000. Miss C says that the appro... (4 pages)View decision -
Decision Reference DRN-3323810
18 Mar 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3323810 The complaint Mr B complains that Creation Financial Services Limited (Creation) treated him unfairly when it reduced the credit limit on his credit card by £7,500, without giving him any notice. What happened Mr B had a credit card account with Creation which for some time had... (3 pages)View decision -
Decision Reference DRN-3348086
15 Mar 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3348086 The complaint Mr L complains that Creation Financial Services Limited acted impolitely and unprofessionally during a telephone call he had with them. What happened In or around December 2020, Mr L had cause to telephone Creation to discuss an outstanding matter. Mr L says that ... (2 pages)View decision -
Decision Reference DRN-3357029
8 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3357029 The complaint Mrs F is unhappy with how Creation Financial Services Limited has dealt with her request for a refund of payments she made for a sofa using her Creation credit card. Mrs F’s complaint is being dealt with by her representative, Mr F. For simplicity, I will refer t... (5 pages)View decision -
Decision Reference DRN-3336198
8 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3336198 The complaint Mrs S complains that Creation Financial Services Limited trading as Creation didn’t default her credit cards in 2013. Instead it continued to charge her interest while she was in a debt management plan and her accounts defaulted in 2018 and 2020 respectively. She ... (3 pages)View decision