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-3199564
7 Dec 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-3199564 The complaint Mr R complains that Creation Financial Services Limited (“Creation”) reduced the credit limit on his account significantly without explaining why. What happened Mr R has a credit card account with Creation. He’s had the account for some time and says he has never... (2 pages)View decision -
Decision Reference DRN-3035555
24 Nov 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3035555 The complaint Mr L complains that Creation Financial Services Limited (“Creation”) made phone calls to him chasing payment while he was on a payment holiday and then offered him compensation but failed to pay it. What happened Mr L had a credit card account with Creation. In Ju... (2 pages)View decision -
Decision Reference DRN-3022168
26 Oct 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-3022168 The complaint Mr D complained that Creation Financial Services Limited treated him unfairly when they blocked online access to his account and didn’t send statements to him. What happened Mr D has held a credit card account with Creation since 2015. The initial credit limit of ... (3 pages)View decision -
Decision Reference DRN-3066559
23 Sep 2021 Creation Financial Services Limited UpheldConsumer CreditDRN-3066559 The complaint Mr K complains that he was misled by a message from Creation Financial Services Limited (Creation). What happened Mr K had an account with Creation. He took a payment holiday in April 2020 which was due to expire on 28 August 2020. On 24 August 2020, Creation sent... (3 pages)View decision -
Decision Reference DRN-2767958
3 Sep 2021 Creation Financial Services Limited Not upheldConsumer CreditDRN-2767958 The complaint Miss M complains that she’s not received any account statements from Creation Financial Services Limited (CFS) since requesting a change of address around four years ago. What happened Miss M says that she hasn’t received any account statements from CFS since she ... (3 pages)View decision -
Decision Reference DRN-2956044
3 Aug 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2956044 The complaint Miss D is unhappy that Creation Financial Services Limited (“Creation”) set up a payment arrangement on her credit card when she thought she had been given a payment break. She also says she should’ve been given a payment break. What happened In 2019 Miss D was ha... (6 pages)View decision -
Decision Reference DRN-2928827
28 Jul 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2928827 The complaint Mr R is unhappy with how CreationFinancial Services Limited have handled his credit card account and feels that there are discrepancies in the amount stated as outstanding. What happened Mr R opened a credit card account with Creation with a credit limit of £200. ... (2 pages)View decision -
Decision Reference DRN-2918023
26 Jul 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2918023 The complaint Mr M complains that Creation Financial Services Limited (“Creation”) acted irresponsibly in giving him a credit card and then increasing his limit. What happened Mr M was approved for a credit card by Creation with a limit of £1600 in July 2018. He applied for a c... (4 pages)View decision -
Decision Reference DRN-2897963
8 Jul 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2897963 The complaint X complains that Creation Financial Services Limited didn’t make clear that there was an annual charge payable on her credit card. What happened X had a credit card with Creation Financial Services Limited (CFS). She says she took out the credit card because of in... (4 pages)View decision -
Decision Reference DRN-2880435
25 Jun 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2880435 The complaint Mr S complains that Creation Financial Services Limited reduced the credit limit on his credit card twice. What happened Mr S has held a credit card with Creation for several years and, from 2013, the credit limit was £2,600. In June 2020 Creation reduced the cred... (2 pages)View decision