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-3316922
3 Mar 2022 Creation Financial Services Limited UpheldInsuranceDRN-3316922 The complaint This complaint is about a payment protection insurance (PPI) policy which Mrs M took out in connection with a credit card account. Creation Financial Services Limited has accepted responsibility for this complaint. So I’ll refer to the business as Creation to keep... (3 pages)View decision -
Decision Reference DRN-3322883
2 Mar 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3322883 The complaint Mr R complains that Creation Financial Services Limited (Creation) didn’t set up a direct debit payment for May 2021. He would like a late payment fee incurred refunded. And reassurance that his credit file hasn’t been impacted. What happened The details of this ... (2 pages)View decision -
Decision Reference DRN-3301737
20 Feb 2022 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3301737 The complaint Mrs D complains that Creation Financial Services Limited incorrectly told her that her debt had been cleared. What happened Mrs D says she spoke to Creation on 4 May 2020 about support for her credit card debt. She says she applied for and was given a three-month ... (2 pages)View decision -
Decision Reference DRN-3121981
3 Feb 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3121981 The complaint Mr H is complaining that Creation Financial Services Limited didn’t refund an amount he paid for a flight on his credit card. He brings the claim under S75 of the Consumer Credit Act 1974 (S75). What happened In October 2018 Mr H bought return flights to Orlando –... (4 pages)View decision -
Decision Reference DRN-3136350
27 Jan 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3136350 The complaint Mr H is complaining Creation Limited hasn’t refunded losses she incurred after a flight provider went into liquidation. She brings the claim under Section 75 of the Consumer Credit Act 1974 (‘S75’). What happened In March 2019 Mr H entered into a contract with a t... (3 pages)View decision -
Decision Reference DRN-3272651
25 Jan 2022 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3272651 Complaint Ms B has complained about a credit card Creation Financial Services Limited (“Creation”) provided to her. She says the credit card and subsequent credit limit increases shouldn’t have been provided because she already had a poor credit history. Background Creation ini... (2 pages)View decision -
Decision Reference DRN-3166113
24 Jan 2022 Creation Financial Services Limited UpheldConsumer CreditDRN-3166113 The complaint Mr G has complained that Creation Financial Services Limited (“Creation”) rejected his claim against it under section 75 of the Consumer Credit Act 1974 in relation to his purchase of some solar panels. What happened Mr G bought solar panels for his home in Septem... (3 pages)View decision -
Decision Reference DRN-3224570
22 Dec 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3224570 The complaint Mr L complains that Creation Financial Services Limited has reduced the credit limit on his credit card, and he said it did this without a proper explanation. He pays a fee for the card, and the benefits he usually receives now can’t be obtained. What happened Mr ... (6 pages)View decision -
Decision Reference DRN-3178420
21 Dec 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3178420 The complaint Mr P complains Creation Financial Services Limited (“Creation”) won’t refund a payment made on his credit card to a secondary ticket selling website (“Website”) for concert tickets. What happened In October 2017, Mr P bought four tickets for a concert in June 2018... (5 pages)View decision -
Decision Reference DRN-3148306
16 Dec 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3148306 The complaint Mr R complains that Creation Financial Services Limited (“Creation”) were wrong to reject a claim he made to them under section 75 of the Consumer Credit Act 1974 (“section 75”). What happened The details of this complaint are well known to both parties, so I won’... (2 pages)View decision