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 DRN9583734
1 Jun 2020 Creation Financial Services Limited Not upheldBanking and creditMiss C complains about the way that Creation Financial Services Limited has dealt with her account after it was transferred to a third party. backgroundCreation Financial Services lent £10,000 to Miss C under a fixed sum loan agreement that she signed in November 2012. She was experiencing... (2 pages)View decision -
Decision Reference DRN2509040
27 May 2020 Creation Financial Services Limited UpheldBanking and creditMr G complains that Creation Financial Services Limited rejected his Section 75 claim.backgroundI issued a provisional decision on this complaint, a copy of which is attached and forms part of this final decision.In my provisional decision I explained why I proposed to uphold Mr G’s compla... (2 pages)View decision -
Decision Reference DRN-1612682
19 May 2020 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-1612682The complaintMr S complains that Creation Financial Services Limited won’t refund to him the money that he's claimed for a car that he says wasn't of satisfactory quality. What happenedMr S bought a used car in March 2019. The price of the car was £6,780 and he part- e... (2 pages)View decision -
Decision Reference DRN2535298
14 May 2020 Creation Financial Services Limited Not upheldBanking and creditComplaintMr T complains that Creation Financial Services Limited (which I will refer to as Creation) held him liable for credit card transactions that he says he neither made nor authorised.BackgroundMr T had a Creation credit card. In June 2017 Mr T went on holiday to Spain. Whilst on hol... (4 pages)View decision -
Decision Reference DRN4765084
6 May 2020 Creation Financial Services Limited Not upheldBanking and creditMr P is unhappy with how Creation Financial Services Limited has handled his accounts during a period of financial difficulty. In particular Mr P doesn’t think Creation has been sympathetic enough to him due to the mental health issues he suffers with. backgroundMr P raised a formal compla... (2 pages)View decision -
Decision Reference DRN7153151
23 Mar 2020 Creation Financial Services Limited Not upheldBanking and creditComplaintMrs B has complained that Creation Financial Services Limited allowed a third party to open an account in her name.BackgroundMrs B was the victim of identity theft.She found out that someone had opened an account in her name with Creation. She reported the fraud to Creation. It ca... (2 pages)View decision -
Decision Reference DRN-1436988
19 Feb 2020 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-1436988The complaintMr R complains that Creation Financial Services Limited (Creation) sent him a credit card which was declined on a number of occasions and therefore didn’t work properly. What happenedMr R took out a credit card with Creation and when trying to use it, found that his... (2 pages)View decision -
Decision Reference DRN0481554
18 Feb 2020 Creation Financial Services Limited UpheldBanking and creditComplaintMr C complains about the way Creation Financial Services Limited handled his credit card application. BackgroundMr C applied for a credit card with Creation on 27 December 2018 and says he was told the process should take between seven and ten working days to complete. On 17 Janua... (2 pages)View decision -
Decision Reference DRN9104993
27 Jan 2020 Creation Financial Services Limited Not upheldBanking and creditMiss H is unhappy that Creation Financial Services Limited (Creation) didn’t register defaults against her accounts in 2011.backgroundMiss H was maintaining minimum payments to her Creation accounts, although the account balances were increasing. But in February 2011 she missed a payment. ... (3 pages)View decision -
Decision Reference DRN7572374
24 Jan 2020 Creation Financial Services Limited Not upheldBanking and creditMiss H complains that Creation Financial Services Limited (“Creation”) sold her accounts to a third party unfairly and have since refused to help her settle her debts.backgroundMiss H had three accounts with Creation. This service looked into a previous complaint about those accounts and d... (3 pages)View decision