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 DRN0811751
11 Jan 2017 Creation Financial Services Limited Not upheldBanking and creditMr T complains that Creation Financial Services Limited rejected his claim under Section 75 Consumer Credit Act in respect of furniture.backgroundIn the autumn of 2015 Mr T bought three chairs and footstools at a cost of £5,100 from a retailer I’ll call M. After some ... (2 pages)View decision -
Decision Reference DRN3240798
25 Nov 2016 Creation Financial Services Limited UpheldBanking and creditMr G complains that Creation Financial Services Limited (Creation) hasn’t refunded him the cost of an engagement ring that he purchased using his credit card.backgroundThe background to this complaint, and my initial conclusions, were set out in my provisional decision... (7 pages)View decision -
Decision Reference DRN8301433
18 Oct 2016 Creation Financial Services Limited UpheldBanking and creditMrs D complains about an energy product (‘Product A’) she bought using finance from Creation Financial Services Limited.backgroundIn summary, Mrs D says that Product A isn’t making anywhere near the yearly income she was promised by the supplier (‘Supplier B’). Cre... (3 pages)View decision -
Decision Reference DRN7315307
23 Sep 2016 Creation Financial Services Limited Not upheldBanking and creditMr M has complained that Creation Financial Services Limited declined his credit card application without giving him specific reasons.backgroundMr M applied for a credit card online and his application was declined. Mr M complained to Creation but his complaint wasn’t ... (2 pages)View decision -
Decision Reference DRN4093954
22 Aug 2016 Creation Financial Services Limited Not upheldBanking and creditMrs C’s son complains on her behalf that Creation Financial Services Limited will not give her a reason why it declined her application for a credit card.backgroundMrs C applied for a credit card after she was approached in a store. Creation then declined her applicat... (2 pages)View decision -
Decision Reference DRN1118303
3 Aug 2016 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs H says Creation Financial Services Limited mis-sold her payment protection insurance (PPI).backgroundMrs H bought the insurance when she applied to Creation for a store card over the phone in 2007.She says she wasn’t told the policy was optional and its costs and ben... (5 pages)View decision -
Decision Reference DRN1976922
12 Jul 2016 Creation Financial Services Limited UpheldBanking and creditMr C complains that Creation Financial Services Limited didn’t apply a default to his credit card account when he entered financial difficulties. So his credit file still shows a debt management plan that he thinks should have dropped off. backgroundMr C experienced ... (2 pages)View decision -
Decision Reference DRN4920968
12 Jul 2016 Creation Financial Services Limited UpheldBanking and creditMrs C complains that Creation Financial Services Limited didn’t apply a default to her credit card account when she entered financial difficulties. So after six years her credit file still shows a debt management plan that she thinks should have dropped off. background... (2 pages)View decision -
Decision Reference DRN8402761
7 Jul 2016 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs D complains that Creation Financial Services Limited (Creation) mis-sold her a payment protection insurance (PPI) policy.backgroundMrs D was sold the PPI in connection with a store card in 2007 during a phone call.Creation have told us that the policy cost £1.85 per ... (2 pages)View decision -
Decision Reference DRN7132312
1 Jul 2016 Creation Financial Services Limited Not upheldBanking and creditMr M complains that Creation Financial Services Limited won’t refund to his account a payment that he says he didn’t make or authorise.backgroundMr M’s card with Creation and his PIN were used to make a payment of £15.48 to a supplier in December 2015. Mr M complain... (2 pages)View decision