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 DRN1020905
23 Dec 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr C’s complaint is about a payment protection insurance (PPI) policy taken out with a hire purchase loan. Creation Financial Services Limited (Creation) offered compensation to settle the complaint but Mr C isn’t happy with how Creation has used the compensation.back... (5 pages)View decision -
Decision Reference DRN6793887
15 Dec 2015 Creation Financial Services Limited UpheldBanking and creditMrs K has complained Creation Financial Services Limited won’t meet the obligations of the warranty given by her solar panel supplier. The supplier is no longer trading.backgroundMrs K arranged for solar panels to be installed to her home in July 2014. She took ou... (2 pages)View decision -
Decision Reference DRN8624954
7 Dec 2015 Creation Financial Services Limited UpheldBanking and creditMrs W complains that Creation Financial Services Limited will not meet the claim she has made for goods bought with her credit card.backgroundMrs W used her credit card, issued by Creation, to put a deposit on a sofa. Mrs W says that the sofa has now broken in one c... (2 pages)View decision -
Decision Reference DRN6517466
27 Nov 2015 Creation Financial Services Limited Not upheldBanking and creditMr W complains that Creation Financial Services Limited (t/a Sygma Bank) won’t reimburse payments he says he didn’t make on his credit card.backgroundMr W contacted Sygma to report that he’d lost his credit card. Sygma stopped Mr W’s card. But it had already been us... (2 pages)View decision -
Decision Reference DRN5734678
25 Nov 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Miss R complains that Creation Financial Services Limited (Creation) mis-sold her a Payment Protection Insurance (PPI) policy. backgroundIn 2006, Miss R called Creation to activate a replacement store card. During the telephone call Creation sold Miss R a monthly premium... (3 pages)View decision -
Decision Reference DRN5179003
23 Nov 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs R says Creation Financial Services Limited (“Creation”) mis-sold her a payment protection insurance (“PPI”) policy.backgroundIn 2007 Creation sold Mrs R a monthly premium PPI policy to cover her store card account. The policy offered life, unemployment, accident and ... (3 pages)View decision -
Decision Reference DRN5074940
22 Oct 2015 Creation Financial Services Limited UpheldBanking and creditMrs W says that Creation Financial Services Limited (CFSL) hasn’t treated her fairly about a fixed sum loan agreement to buy and fit some bedroom furniture. She feels the furniture wasn’t of sufficient quality and wasn’t fitted properly. It was fitted two years ago ... (2 pages)View decision -
Decision Reference DRN4977716
4 Sep 2015 Creation Financial Services Limited UpheldBanking and creditMr W complains that Creation Financial Services Limited refused his claim under section 75 of the Consumer Credit Act 1974.backgroundMr W bought solar panels but says that the financial benefits of them were misrepresented to him by the salesperson. He paid for the panel... (2 pages)View decision -
Decision Reference DRN9584956
13 May 2015 Creation Financial Services Limited UpheldBanking and creditMr W complains that Creation Financial Services Limited wrongly continued to pursue him for payment and made adverse entries on his credit file when he had paid off a loan. He was then refused a second loan he needed to deal with urgent family matters.background Mr ... (2 pages)View decision -
Decision Reference DRN6736468
1 May 2015 Creation Financial Services Limited UpheldBanking and creditMrs C complains that she was mis-sold a Creation Financial Services Limited branded store card. She also complains about increases in the interest rate (APR) charged on outstanding balances. She complains as well that her credit limit has been raised on several occ... (2 pages)View decision