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 DRN8042244
16 Dec 2018 Creation Financial Services Limited UpheldBanking and creditMs H complains that Creation Financial Services Limited made mistakes administering her loan. She would like Creation to do more than it’s done so far to put things right.backgroundMs H took out a loan with Creation. After Creation made a mistake with her direct debit ... (3 pages)View decision -
Decision Reference DRN9080070
7 Dec 2018 Creation Financial Services Limited Not upheldBanking and creditMr P complains that he’s been making token payments to a debt he has with Creation Financial Services Limited (“Creation Finance”) but as he’s been making them to the incorrect account since 2008, he says they’re now statute barred and the business should write off his... (2 pages)View decision -
Decision Reference DRN2242979
7 Dec 2018 Creation Financial Services Limited Not upheldBanking and creditMr G complains that Creation Financial Services Limited (“Creation”) has not honoured an agreement to provide a free night accommodation when he reached the requisite spending level on a branded credit card provided by them.backgroundI issued my provisional decision in No... (2 pages)View decision -
Decision Reference DRN1912831
28 Nov 2018 Creation Financial Services Limited Not upheldBanking and creditMr and Mrs A complain that Creation Financial Services Limited declined transactions on acredit card facility Mr A held with it when they were away on holiday, despite the fact they’dtold it they would be away.background In March 2017, Mr A took out a new credit ca... (4 pages)View decision -
Decision Reference DRN5338517
27 Nov 2018 Creation Financial Services Limited Not upheldBanking and creditMr B complains about the interest rate applied to his credit card with Creation Financial Services Limited.backgroundIn December 2017 Mr B transferred a balance of £900 to a Creation credit card. The account had a promotional interest rate of 0% and was subject to a cr... (2 pages)View decision -
Decision Reference DRN1059401
6 Nov 2018 Creation Financial Services Limited Not upheldBanking and creditMrs P complains about the interest charged by Creation Financial Services Limited in relation to her credit card account.backgroundIn January 2018, Mrs P took up a balance transfer offer of 0% interest for 12 months and transferred £895 to her credit card account w... (2 pages)View decision -
Decision Reference DRN5712086
1 Nov 2018 Creation Financial Services Limited Not upheldBanking and creditMr G complains that, when completing some lottery transactions, he was charged a handling fee by Creation Financial Services Limited (“Creation”). He says he should have been warned the charge would be applicable. backgroundIn March 2018 Mr G made two payments to a l... (2 pages)View decision -
Decision Reference DRN1455319
22 Oct 2018 Creation Financial Services Limited Not upheldBanking and creditMr S complains about the information provided by Creation Financial Services Limited about one of its cards. He says that the information on the website was misleading because the screen advertising the 12 month balance transfer offer didn’t mention a transfer fee.back... (2 pages)View decision -
Decision Reference DRN6369067
18 Sep 2018 Creation Financial Services Limited Not upheldBanking and creditMr L complains that Creation Financial Services Limited (Creation) charged him a credit card fee of £99 when he’d been given no notice of it when applying for the card. He also complains that it sent him letters with the wrong customer name. He wants the fee ref... (2 pages)View decision -
Decision Reference DRN1983263
14 Sep 2018 Creation Financial Services Limited UpheldBanking and creditMrs C, who is represented by her husband Mr J, complains that Creation Financial Services Limited rejected her claim under Section 75 Consumer Credit Act 1974 in respect of a second had car.backgroundIn September 2017 Mrs C bought a car from a dealer I will call K... (2 pages)View decision