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 361 results
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Decision Reference DRN-4544597
15 Apr 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4544597 The complaint Mr P has complained that Creation Financial Services Limited (“Creation”) lent to him irresponsibly when it provided him with a credit card. What happened Mr P opened a credit card with Creation in January 2018 with a credit limit of £600. In May 2018 his credit l... (3 pages)View decision -
Decision Reference DRN-4699699
22 Mar 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4699699 The complaint Mr S complains that Creation Financial Services Limited closed his account without notice and didn’t credit him benefits he’d earnt. He’s also unhappy with an overlimit charge they applied. What happened Mr S had a premium club credit card account with Creation. T... (4 pages)View decision -
Decision Reference DRN-4600698
15 Feb 2024 Creation Financial Services Limited UpheldConsumer CreditDRN-4600698 The complaint Mr C complains about a car he acquired under a hire purchase agreement with Creation Financial Services Limited (“Creation”). What happened In January 2022, Mr C entered into a regulated hire purchase agreement (“the agreement”) with Creation to acquire a used car... (2 pages)View decision -
Decision Reference DRN-4587192
15 Feb 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4587192 The complaint Mr S complains that Creation Financial Services Limited closed his account, didn’t provide his points, a free night stay voucher or refund the annual fee. He says Creation should have awarded him an extra 25,000 points. He would like compensation for his losses. W... (4 pages)View decision -
Decision Reference DRN-4604775
6 Feb 2024 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4604775 The complaint Mr C complains that Creation Financial Services Limited (Creation) lent to him irresponsibly. What happened Mr C applied for a credit card from Creation in February 2020 and it was agreed with a limit of £7,500. In July 2021, Creation increased the limit to £9,000... (5 pages)View decision -
Decision Reference DRN-4323041
15 Jan 2024 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4323041 The complaint Mr P complains that Creation Financial Services Limited provided him with incorrect and misleading information about when his credit card account would close and closed his account early. What happened Mr P received an email on 17 April 2023, telling him that his ... (2 pages)View decision -
Decision Reference DRN-4513754
18 Dec 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4513754 The complaint Mr P complains Creation Financial Services Limited (“Creation”) closed his credit card account without explanation. And that Creation didn’t refund its annual fee, accrued reward points, and a free overnight’s stay voucher for an affiliated third-party business. M... (5 pages)View decision -
Decision Reference DRN-4287167
13 Dec 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4287167 The complaint Mr S complains that Creation Financial Services Limited continues to report his credit card account to a credit reference agency as live, following his discharge from bankruptcy. What happened Mr S had a credit card account with Creation. In 2018 he became bankrup... (2 pages)View decision -
Decision Reference DRN-4479012
27 Nov 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4479012 The complaint Miss R complains Creation Financial Services Limited have continued to report defaults on two accounts when they shouldn’t have. What happened I issued a provisional decision setting out what’s happened, and what I thought about that. I’ve copied the relevant elem... (5 pages)View decision -
Decision Reference DRN-4405231
18 Nov 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4405231 The complaint Mr H complains that Creation Financial Services Limited closed his credit card, withheld his annual fee, failed to credit his points and a free night stay hotel voucher. What happened Mr H had a premium reward club credit card account with Creation which included ... (3 pages)View decision
