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 DRN2982104
11 Apr 2019 Creation Financial Services Limited Not upheldBanking and creditMr R complains about Creation Financial Services Limited (“Creation”) for applying a late payment charge to his credit card and cancelling his interest free offer on his balance transfer. He wants Creation to refund the interest and late payment fee, to reinstate his i... (2 pages)View decision -
Decision Reference DRN7879160
10 Apr 2019 Creation Financial Services Limited Not upheldBanking and creditMr J complains about various charges Creation Financial Services Limited (Creation) applied to his credit card. He wants the charges refunded.backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision dated 29 Janu... (4 pages)View decision -
Decision Reference DRN2511835
30 Mar 2019 Creation Financial Services Limited UpheldBanking and creditMiss S complains that Creation Financial Services Limited (“Creation”) didn’t carry out a balance transfer request.backgroundI issued a provisional decision on this complaint on 1 March 2019, a copy of which is attached as it forms part of this final decision. Both Miss... (4 pages)View decision -
Decision Reference DRN4134680
12 Mar 2019 Creation Financial Services Limited Not upheldBanking and creditMs K complains about a used car she paid for using her credit card provided by Creation Financial Services Limited (“CFS”).backgroundMs K says the car was bought in January 2018 for a member of her family to use, who is the registered keeper. She says it broke down i... (2 pages)View decision -
Decision Reference DRN9316877
1 Mar 2019 Creation Financial Services Limited UpheldBanking and creditMr F complains about a faulty laptop he bought using his Creation Financial Services Limited (Creation) credit card. He would like a refund.backgroundMr F says he bought laptops for his three children in January 2016 using his Creation credit card. Unfortunately he says ... (3 pages)View decision -
Decision Reference DRN1820143
15 Feb 2019 Creation Financial Services Limited Not upheldBanking and creditMr C complains that Creation Financial Services Limited failed to warn him when he asked to lower his credit limit that he may not be able to increase it at a later date. He also complains the business didn’t explain why it later refused a request to increase the cred... (2 pages)View decision -
Decision Reference DRN4654052
1 Feb 2019 Creation Financial Services Limited Not upheldBanking and creditMrs K has complained about interest she’s been charged by Creation Financial Services Limited on her credit card.backgroundMrs K holds a credit card provided by Creation. She usually clears the full outstanding balance every month so she isn’t charged any interest.In Mar... (2 pages)View decision -
Decision Reference DRN9199775
16 Jan 2019 Creation Financial Services Limited Not upheldBanking and creditMr L complains about how Creation Financial Services Limited (“Creation”) has dealt with the allocation of hotel chain loyalty points that are earned through spending on its credit card account.background Mr L told us that he has a credit card account which is admini... (6 pages)View decision -
Decision Reference DRN1041248
11 Jan 2019 Creation Financial Services Limited UpheldBanking and creditMr G complains that Creation Financial Services Limited failed to allow him to reinstate his interest free period after he was late with a payment despite being told it would do so.background Mr G has a credit card account with Creation which offers an interest free pe... (2 pages)View decision -
Decision Reference DRN4286656
17 Dec 2018 Creation Financial Services Limited Not upheldBanking and creditMr M complains that Creation Financial Services Limited (“Creation”) lent irresponsibly to him and should now write off his debt. He says at the time of his application he was suffering mental health problems that made it difficult for him to manage money and he ... (4 pages)View decision