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 DRN4008061
1 Aug 2017 Creation Financial Services Limited Not upheldBanking and creditMr O complains about Creation Financial Services Limited applying charges on his credit card account. He’s also said the information Creation gave him about interest charges is misleading.backgroundMr O has a credit card with Creation. His credit card bill was due to be p... (2 pages)View decision -
Decision Reference DRN6618182
1 Aug 2017 Creation Financial Services Limited Not upheldBanking and creditMr D complains that Creation Financial Services Limited made mistakes in dealing with payments from his account, provided poor customer service and wrongly applied charges.backgroundThe adjudicator did not recommend that CFSL do any more than it had already offered to. S... (3 pages)View decision -
Decision Reference DRN2114763
27 Jul 2017 Creation Financial Services Limited Not upheldBanking and creditMrs P complains that Creation Financial Services Limited won’t refund the money for a number of transactions on her credit card that she didn’t make or authorise.backgroundMrs P says that she received a credit card from Creation but she never received the personal ide... (2 pages)View decision -
Decision Reference DRN9362109
24 Jul 2017 Creation Financial Services Limited Not upheldBanking and creditMr H’s complaint is that Creation Financial Services Limited (“Creation”) won’t refund him for a purchase he made on his Asda credit card (a Creation product).backgroundIn August 2015, Mr H bought a Zotac graphics card, using his Asda card. He now says the card’s ... (2 pages)View decision -
Decision Reference DRN0392691
20 Jul 2017 Creation Financial Services Limited Not upheldBanking and creditMrs D complains that Creation Financial Services Limited won’t refund to her the money that she paid for an industrial embroidery machine. Her complaint is made against Creation Financial Services under section 75 of the Consumer Credit Act 1974 and she’s being helped w... (2 pages)View decision -
Decision Reference DRN8386236
14 Jul 2017 Creation Financial Services Limited Not upheldBanking and creditMr K complains about interest charges on his credit card account with Creation Financial Services Limited.backgroundMr K has a credit card with Creation. He missed a monthly payment so Creation put a hold on his card and added a £12 late payment charge to his account... (2 pages)View decision -
Decision Reference DRN2690202
1 Jun 2017 Creation Financial Services Limited Not upheldBanking and creditMr C’s complaint is about a problem he’s had with the payments on his credit card. He’s unhappy that Creation Financial Services Limited put a late payment marker on his credit file. He thinks that it has been added unfairly and would like it removed. backgroundMr C ... (2 pages)View decision -
Decision Reference DRN5912636
31 May 2017 Creation Financial Services Limited UpheldBanking and creditMs S complains about the service she received from Creation Consumer Finance Ltd under her finance agreement.backgroundMs S complained to CFS about conflicting information she said she’d been given about cancelling an order for a mattress. And, being unhappy with its ... (2 pages)View decision -
Decision Reference DRN4855415
17 Mar 2017 Creation Financial Services Limited UpheldBanking and creditMr S is unhappy that Creation Financial Services Limited (‘Creation’) charged him a cash advance fee when he used his credit card to buy some gift vouchers.backgroundIn December 2016, Mr S bought a £100 gift card with his credit card. On receipt of his credit card stat... (2 pages)View decision -
Decision Reference DRN7611456
11 Jan 2017 Creation Financial Services Limited Not upheldPayment protection insurance (PPI)Miss W complains that Creation Financial Services Limited mis-sold her a payment protection insurance (“PPI”) policy in connection with a store card. And she says it placed her in financial difficulty by charging her account with fees.backgroundMiss W says Creation mis-sol... (2 pages)View decision