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 DRN8884989
17 Jun 2016 Creation Financial Services Limited Not upheldBanking and creditMs W’s complaint is that Creation Financial Services Limited (“Creation”) provided her with a number of credit cards, even though she was already in a difficult financial position.backgroundBetween 2012 and 2013 Ms W applied to Creation, using a number of different ... (2 pages)View decision -
Decision Reference DRN1425963
23 May 2016 Creation Financial Services Limited UpheldBanking and creditMs Y complains about interest and charges that have been added to her account with Creation Financial Services Limited.backgroundMs Y had a credit card account with Creation. Ms Y experienced financial difficulties in April 2011, and she was unable to meet her minimu... (2 pages)View decision -
Decision Reference DRN1005085
18 May 2016 Creation Financial Services Limited Not upheldBanking and creditMiss F, represented by Mr M, complains that Creation Financial Services Limited failed to take the payments due under her finance agreement resulting in a negative impact on her credit file. She also complains that this issue has been ongoing for months because Creatio... (2 pages)View decision -
Decision Reference DRN9020393
6 May 2016 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs M complains Creation Financial Services Limited mis-sold her payment protection insurance (PPI).backgroundMrs M called Creation in April 2007 to activate a store card she’d had re-issued. At the same time Creation sold her a PPI policy. The policy covered Mrs M i... (3 pages)View decision -
Decision Reference DRN4428641
5 May 2016 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs A complains Creation Financial Services Limited mis-sold her a payment protection insurance (PPI) policy.backgroundIn 2006 Mrs A called Creation to activate a re-issued store card. During the call Creation sold her a monthly premium PPI policy.Although Creation has to... (3 pages)View decision -
Decision Reference DRN8612442
29 Mar 2016 Creation Financial Services Limited UpheldBanking and creditMr C complains that Creation Financial Services Limited wrongly reported information about him to credit reference agencies causing him financial loss.background Creation Financial Services accepts that it made an error. Mr C applied for a loan of over £11,000 in Octobe... (1 page)View decision -
Decision Reference DRN9073718
25 Feb 2016 Creation Financial Services Limited UpheldBanking and creditMiss S complains that Creation Financial Services Limited rejected her claim under S 75 Consumer Credit Act 1974 in respect of damaged furniture.backgroundMiss S arranged to hire a van to move house. She was told on the morning she was due to pick up the van that it... (2 pages)View decision -
Decision Reference DRN7756898
8 Feb 2016 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs W complained that Creation Financial Services Limited (“Creation”) mis-sold her a Payment Protection Insurance (“PP”I) policy.backgroundIn 2006, Mrs W took out a store card and around the same time Creation sold her a PPI policy. The policy cost £1.50 for each £10... (3 pages)View decision -
Decision Reference DRN4499038
2 Feb 2016 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Miss W complains that Creation Financial Services Limited (Creation) mis-sold her a Payment Protection Insurance (PPI) policy.backgroundIn 2006, Miss W called Creation to activate a store card. During the telephone call Creation sold her a PPI policy called ‘Creation 3D... (3 pages)View decision -
Decision Reference DRN2544589
21 Jan 2016 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs W says Creation Financial Services Limited (“Creation”) mis-sold her a payment protection insurance (“PPI”) policy.backgroundIn 2006 Creation sold Mrs W a monthly premium PPI policy to cover her store card account. The sale took place over the phone. The policy off... (3 pages)View decision