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 DRN2183794
15 Aug 2018 Creation Financial Services Limited Not upheldBanking and creditMr F complains that Creation Financial Services Limited won’t refund to him the money that he paid for some concrete. His complaint is made against Creation Financial Services under section 75 of the Consumer Credit Act 1974. backgroundMr F used his Creation Financial ... (2 pages)View decision -
Decision Reference DRN1038656
24 Jul 2018 Creation Financial Services Limited Not upheldBanking and creditMr G complains that Creation Financial Services Limited doesn’t send his credit card account statements on time which means he doesn’t have enough time to meet the payment due date set.backgroundMr G logged onto his Online Account Manager on 11 July 2017, he was shock... (2 pages)View decision -
Decision Reference DRN6571077
7 Jun 2018 Creation Financial Services Limited UpheldBanking and creditMr P complains that Creation Financial Services Limited (“Creation”) have added too much interest to his account with them and should have accepted a settlement offer he made to clear his debt.background Mr P has had an account with Creation since October 2003 and since... (3 pages)View decision -
Decision Reference DRN5608200
24 May 2018 Creation Financial Services Limited Not upheldBanking and creditMr D complains he was given misleading information about a credit card issued by Creation Financial Services Limited. He feels the offer of a £20 voucher should be honoured.backgroundMr D tells us he applied for a branded credit card as it came with an incentive in ... (2 pages)View decision -
Decision Reference DRN2780527
28 Mar 2018 Creation Financial Services Limited UpheldBanking and creditMr Z is unhappy that the interest rates on his Creation Financial Services Limited credit cards have changed. backgroundMr Z’s complaint relates to two credit cards, both of which he’s had for some time. In 2013 the interest rate relating to the first card increased. A... (2 pages)View decision -
Decision Reference DRN1010798
9 Mar 2018 Creation Financial Services Limited Not upheldBanking and creditMiss N complained that Creation Financial Services Limited blocked her credit card account, and has refused to unblock it. backgroundCreation gave Miss N a credit card but she soon fell into arrears and exceeded her credit limit. After eight months, it blocked the account... (3 pages)View decision -
Decision Reference DRN3855400
9 Feb 2018 Creation Financial Services Limited Not upheldBanking and creditMrs B complains that Creation Financial Services Limited (Creation) declined a credit card application without giving reason.background Mrs B applied for a credit card with Creation over the phone. She gave all her details accurately but her application was declined.She... (2 pages)View decision -
Decision Reference DRN1873352
3 Feb 2018 Creation Financial Services Limited Not upheldBanking and creditMr M complains about the service he’s received from Creation Financial Services Limited. backgroundMr M had a credit card with Creation. But he didn’t receive the written confirmation after the account closed. When he called Creation it said he still had an availabl... (2 pages)View decision -
Decision Reference DRN0730881
23 Jan 2018 Creation Financial Services Limited Not upheldBanking and creditMr B complains that issues with the online portal operated by Creation Financial Services Limited have resulted in him incurring interest and penalties on his credit card account.backgroundMr B complained to CFS about this matter. And, being unhappy with its response... (2 pages)View decision -
Decision Reference DRN4990570
19 Jan 2018 Creation Financial Services Limited Not upheldBanking and creditMr Z complains that when he questioned the amount and validity of payments on his credit cards from Creation Financial Services Limited it failed to provide the information he needed to decide whether to dispute them.backgroundMr Z was abroad in September 2015. A num... (4 pages)View decision