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 DRN7353113
4 Dec 2017 Creation Financial Services Limited Not upheldBanking and creditMr A complains that Creation Financial Services Limited (Creation) won’t refund, under Section 75 of the Consumer Credit Act 1974 (CCA), payments he made to another business.backgroundOver the course of a number of months in 2016, Mr A made several payments to a busi... (2 pages)View decision -
Decision Reference DRN6161499
30 Nov 2017 Creation Financial Services Limited Not upheldBanking and creditMr P complains that he was charged a 3% transfer fee when he opened an account with Creation Financial Services Limited (Creation). He argues that he was not aware that a fee would be charged and that the written terms on the promotional literature are not clear. He ... (2 pages)View decision -
Decision Reference DRN4311545
22 Nov 2017 Creation Financial Services Limited UpheldBanking and creditMr J’s complaint concerns the service provided by Creation Financial Services Limited (“Creation”) after he reported his credit card as lost.backgroundMr J twice reported his Creation credit card as lost in August and September 2016. As a result, the cards were stop... (2 pages)View decision -
Decision Reference DRN8770977
14 Nov 2017 Creation Financial Services Limited UpheldBanking and creditMr M complains that Creation Financial Services Limited have wrongly recorded a marker on his credit file. He wants to be compensated for this.background Creation agrees that it has wrongly recorded a marker on Mr M’s credit file on a number of occasions. It has remo... (2 pages)View decision -
Decision Reference DRN6294390
3 Nov 2017 Creation Financial Services Limited Not upheldBanking and creditMr D complains Creation Financial Services Ltd have changed the cashback scheme on his credit card. He feels these changes are restrictive and he has had trouble in retrieving the vouchers the scheme now offers.backgroundMr D holds a credit card, which offers a cash bac... (2 pages)View decision -
Decision Reference DRN8063387
3 Oct 2017 Creation Financial Services Limited Not upheldBanking and creditMr A complains that Creation Financial Services Limited sold his account to a debt management company.backgroundMr A had a debt with Creation which he had been repaying by arrangement. Creation wrote to Mr A and advised him that his account had been sold to Lowell Portf... (2 pages)View decision -
Decision Reference DRN1771163
29 Sep 2017 Creation Financial Services Limited Not upheldBanking and creditMr K complains that Creation Financial Services Limited made mistakes in dealing with his credit card account which has resulted in a fraudulent payment and caused him distress.backgroundMr K reported a problem using his card on 7 April 2017. He was told a replacement ... (2 pages)View decision -
Decision Reference DRN5350716
1 Sep 2017 Creation Financial Services Limited Not upheldBanking and creditMr W complains that Creation Financial Services Limited didn’t receive his payment in settlement of his car loan and recorded a default on his credit file.Mr W would like compensation.background Mr W requested a settlement figure from Creation to repay a car loan. He s... (3 pages)View decision -
Decision Reference DRN7431211
25 Aug 2017 Creation Financial Services Limited Not upheldBanking and creditMr C is unhappy that Creation Financial Services Limited has said he can’t change the date his direct debit for his credit card is paid.backgroundIn 2007 Mr C took out a Creation credit card. In October 2016, Mr C set up a monthly direct debit with Creation for the minim... (3 pages)View decision -
Decision Reference DRN0819554
10 Aug 2017 Creation Financial Services Limited Not upheldBanking and creditMr W complains that Creation Financial Services Limited, trading as Asda Money, misled him about how a balance transfer offer on his credit card account works, and wrongly charged him interest.backgroundMr W has a credit card account with Creation. It wrote to him with an ... (2 pages)View decision