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-2687467
17 Mar 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2687467 The complaint Mr S’ complaint about Creation Financial Services Limited (CFS) relates to an increase in his credit limit on his credit card account. This was increased twice in 2017/2018, which Mr S feels was irresponsible, as well as complaining that he was pressured into sett... (4 pages)View decision -
Decision Reference DRN-2587005
24 Feb 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2587005 The complaint Mr P complains he was charged a late fee and interest by Creation Financial Services Limited (Creation). What happened Mr P had a Creation credit card. He paid the balance off each month. He received paperless statements and was advised by email when they were iss... (2 pages)View decision -
Decision Reference DRN-2098262
23 Feb 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2098262 The complaint Mr C’s complaint about Creation Financial Services Limited (CFS) relates to him incurring late payment fees, charges and interest to his credit card account. What happened The facts are well known to the parties so I shall only briefly record what happened in summ... (2 pages)View decision -
Decision Reference DRN-2166871
19 Feb 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2166871 The complaint Mr J complains about how Creation Financial Services Limited told him it administered his credit card account. He’s also unhappy it’s failed to provide him information he’s requested and wants all over limit fees applied to his account refunded. What happened The ... (2 pages)View decision -
Decision Reference DRN-2062103
10 Feb 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2062103 The complaint Mr S complains that he wasn’t told in advance of a £99 annual fee being applied to his Creation Financial Services Limited credit card account. He wants it refunded and compensation. The details of this complaint are well-known to both parties, so I will not repea... (2 pages)View decision -
Decision Reference DRN-2303367
10 Feb 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2303367 The complaint Mr R complains Creation Services Ltd will not refund some disputed transactions. Creation say the transactions were authorised and so, Mr R is liable. What happened On 13 th July 2019, Mr R complained to Creation about some transactions made on his card the previo... (2 pages)View decision -
Decision Reference DRN-2566518
5 Feb 2021 Creation Financial Services Limited Not upheldConsumer CreditDRN-2566518 The complaint Mrs C complains that Creation Financial Services Limited reduced the limit on her credit card. She said this caused embarrassment to her as some transactions were declined. She wants the old limit to be restored or at least the new limit to be increased. What happ... (2 pages)View decision -
Decision Reference DRN-2458192
1 Feb 2021 Creation Financial Services Limited UpheldConsumer CreditDRN-2458192 The complaint Mrs C complains about Creation Financial Services Limited’s (Creation) handling of a claim she made. Creation provided the finance for a sofa she’d purchased which was of unsatisfactory quality. What happened Mrs C purchased a sofa from a company I’ll refer to as ... (2 pages)View decision -
Decision Reference DRN-2439578
21 Jan 2021 Creation Financial Services Limited UpheldBanking and PaymentsDRN-2439578 The complaint Mrs C complains about interest applied to her credit card account by Creation Financial Services Limited (“Creation”). What happened Mrs C has a credit card account with Creation. She receives her monthly statements by post. She says she has had the account for ma... (3 pages)View decision -
Decision Reference DRN-2484293
11 Jan 2021 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-2484293 The complaint Mr B complains that Creation Financial Services Limited (Creation) acted unfairly by charging him the full interest when he’d paid off a large proportion of his credit card balance. What happened Towards the end of January 2020 Mr B asked Creation how much interes... (3 pages)View decision