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 DRN0677429
9 Jan 2020 Creation Financial Services Limited Not upheldBanking and creditMr L complains that Creation Financial Services Limited (“Creation”) have rejected a claim he’s made to them under section 75 of the Consumer Credit Act 1974 (“section 75”).backgroundMr L paid for a villa using a credit card provided by Creation. He complained to them about the quality of ... (2 pages)View decision -
Decision Reference DRN7441722
4 Dec 2019 Creation Financial Services Limited UpheldBanking and creditMr C is unhappy that Creation Financial Services Limited (Creation) declined a number of transactions he tried to make on his credit card.background I issued my provisional decision on this complaint on 31 October 2019, a copy of which is attached below and forms part of this decision.In s... (5 pages)View decision -
Decision Reference DRN7545725
11 Nov 2019 Creation Financial Services Limited UpheldBanking and creditMr L complains that Creation Financial Services Limited (Creation) cancelled his direct debit for a finance agreement and reported missed payments on his credit file. backgroundIn 2016 Mr L bought a sofa and opted to pay for it through a finance agreement with Creation.Towards the end of ... (3 pages)View decision -
Decision Reference DRN4041443
2 Oct 2019 Creation Financial Services Limited Not upheldBanking and creditMr M feels that Creation Financial Services Limited has treated him unfairly in the way it dealt with him when he was late in making a payment to his credit account.backgroundMr M’s statement was dated in early November 2018 and was due three weeks later. Mr M missed the payment date so wa... (2 pages)View decision -
Decision Reference DRN9287283
2 Aug 2019 Creation Financial Services Limited Not upheldBanking and creditMr W complains Creation Financial Services Limited called him an excessive amount of times in relation to a finance agreement he had with it.backgroundIn 2016 Mr W took out a finance agreement with Creation, which he paid each month by Direct Debit. However, the Direct Debit instruction du... (3 pages)View decision -
Decision Reference DRN3906069
26 Jul 2019 Creation Financial Services Limited UpheldBanking and creditMr A complains on behalf of Mr H that Creation Financial Services Limited continued to send letters and make telephone calls requesting payment when it had been advised that Mr H was experiencing financial difficulties. He’s also unhappy that interest continued to be charged to the account... (3 pages)View decision -
Decision Reference DRN4869842
12 Jul 2019 Creation Financial Services Limited UpheldBanking and creditMrs S complains that Creation Financial Services Limited took too long to refund money remaining in her closed account. background Mrs S had a credit card account with Creation. In May 2011, Mrs S cleared the balance of her account and closed the account, leaving a credit balance of £170.4... (2 pages)View decision -
Decision Reference DRN5737833
3 Jun 2019 Creation Financial Services Limited Not upheldBanking and creditMr H complains that Creation Financial Services Limited didn’t communicate with him clearly when he was trying to pay the full balance from his statement.backgroundMr H says he was trying to pay the full outstanding balance from his February 2018 statement so he didn’t i... (2 pages)View decision -
Decision Reference DRN1844837
28 May 2019 Creation Financial Services Limited UpheldBanking and creditMr L complains that he was unable to access his credit card account online with Creation Financial Services Limited. backgroundI sent my provisional decision to both parties on 10 May 2019. A copy of this is attached and forms part of this final decision. In it I e... (3 pages)View decision -
Decision Reference DRN8102058
14 May 2019 Creation Financial Services Limited Not upheldBanking and creditMr G complains about the way Creation Financial Services Limited dealt with him when he called to discuss a reward scheme on his credit card. backgroundMr G has a Creation credit card that’s branded as an airline. Card holders earn points when they spend on the card. ... (2 pages)View decision