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-2414800
16 Jun 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2414800 The complaint Mrs A complains Creation Financial Services Limited (“Creation”) has failed to refund transactions she made on her credit card and subsequently disputed. What happened Mrs A’s daughter (who I will call “D”) was interested in acting and modelling. In February 2020 ... (4 pages)View decision -
Decision Reference DRN-2835091
25 May 2021 Creation Financial Services Limited UpheldConsumer CreditDRN-2835091 The complaint Mr W complains that Creation Financial Services Limited refused to uphold his claim under Section 75 Consumer Credit Act 1974 in respect of a promotion which wasn’t honoured. What happened In December 2019 Mr W bought a TV from a retailer I will call C at a cost o... (3 pages)View decision -
Decision Reference DRN-2598253
21 May 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2598253 The complaint Mrs P’s complaint about Creation Financial Services Limited (CFS) relates to a missed payment on her account by virtue of a Direct Debit (DD) being cancelled by CFS under what it said was its ‘Dormancy Rules’. What happened Mrs P had a credit card with CFS and rec... (3 pages)View decision -
Decision Reference DRN-2390610
6 May 2021 Creation Financial Services Limited UpheldConsumer CreditDRN-2390610 The complaint Mr G complains Creation Financial Services Limited will not refund some disputed transactions. He also complains he was allowed to exceed the cash limit placed on the account. What happened In July 2019, Mr G contacted Creation about some transactions on his acco... (3 pages)View decision -
Decision Reference DRN-2607026
14 Apr 2021 Creation Financial Services Limited Not upheldConsumer CreditDRN-2607026 The complaint Mr M complains that Creation Financial Services Limited declined his application for finance. What happened Mr M applied online for a buy now pay later credit agreement to purchase a new hoover from a retailer. He completed the credit application online and receiv... (2 pages)View decision -
Decision Reference DRN-2644427
8 Apr 2021 Creation Financial Services Limited Not upheldConsumer CreditDRN-2644427 The complaint Mr H complains that Creation Financial Services Limited (“Creation”) rejected a credit application he made to them and haven’t explained why. What happened The details of this complaint are well known to both parties, so I won’t repeat them again here. Instead I’l... (2 pages)View decision -
Decision Reference DRN-2688179
29 Mar 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2688179 The complaint Mrs D complains that Creation Financial Services Limited offered poor customer service in relation to Personal Identification Number (PIN) issues on her credit card. What happened Mrs D and her son, who held an additional card for her account, received new credit ... (4 pages)View decision -
Decision Reference DRN5128151
29 Mar 2021 Creation Financial Services Limited UpheldBanking and creditMs S complains that Creation Financial Services Limited (‘Creation’) debited a series of payments totalling approximately £6,235 from her credit card account which she says she didn’t make or otherwise authorise. background In early May 2018, Ms S gave her son her card and PIN so that he c... (3 pages)View decision -
Decision Reference DRN-2707792
23 Mar 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2707792 The complaint Mr C complains that Creation Financial Services Limited refused his claim brought under Section 75 of the Consumer Credit Act 1974. He wants a refund of the cost price of faulty goods. What happened Mr C tells us that he purchased a wedding dress from a retailer I... (4 pages)View decision -
Decision Reference DRN3180282
22 Mar 2021 Creation Financial Services Limited Not upheldBanking and creditMr M complains that Creation Financial Services Limited won’t refund a payment made on his credit card to a travel booking website for flights for his daughter. background In February 2018 Mr M bought a two-legged flight to the UK from abroad for his daughter using a Creation credit card t... (3 pages)View decision