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 356 results
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Decision Reference DRN-4297839
2 Oct 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4297839 The complaint Mr G complains that Creation Financial Services Limited unfairly closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact and time taken to resolve the issue. ... (3 pages)View decision -
Decision Reference DRN-4374593
29 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4374593 The complaint Mr H complains that Creation Financial Services Limited closed his credit card account without notice, leaving him without a cashback offer or reward points. He’d like these to be paid to him, and compensation for the time taken to resolve the issue. What happened... (4 pages)View decision -
Decision Reference DRN-4371568
28 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4371568 The complaint Mr D has complained that Creation Financial Services Limited (“Creation”) has unfairly turned down a claim he made under section 75 of the Consumer Credit Act 1974 (“CCA”). What happened Mr D was contacted by someone from a business I’ll call “Business I”. He says... (8 pages)View decision -
Decision Reference DRN-4312874
18 Sep 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4312874 The complaint Mrs M complains that Creation Financial Services Limited was irresponsible in its lending to her. What happened Mrs M says that Creation didn’t carry out adequate affordability checks before providing her with a credit card account with a £7,500 credit limit. She ... (3 pages)View decision -
Decision Reference DRN-4320013
14 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4320013 The complaint Miss C complains that Creation Financial Services Limited unfairly closed her account, didn’t credit her points, a free night stay voucher or refund the annual fee. She also says Creation gave her misleading information during a phonecall. She’d like her benefits ... (3 pages)View decision -
Decision Reference DRN-4340813
8 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4340813 The complaint Mr R complains that Creation Financial Services Limited closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact and time taken to resolve the issue. Mr R is a... (3 pages)View decision -
Decision Reference DRN-4341035
8 Sep 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4341035 The complaint Mr M complains that Creation Financial Services Limited closed his account and didn’t credit his points. He’d like compensation for the time it has taken to resolve this complaint and the points returned. What happened Mr M had a credit card account with Creation.... (2 pages)View decision -
Decision Reference DRN-4309254
7 Sep 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4309254 The complaint Mr E complains that Creation Financial Services Limited unfairly closed his account without expanation. He’d like compensation for the impact and damage to his credit file. What happened Mr E had a rewards club credt card account with Creation. The card included t... (3 pages)View decision -
Decision Reference DRN-4334042
5 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4334042 The complaint Mr H complains that Creation Financial Services Limited closed his account without expanation and didn’t credit his reward points. He’d like his benefits credited and compensation for the impact. What happened Mr H had a rewards club premium credt card account wit... (3 pages)View decision -
Decision Reference DRN-4213590
4 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4213590 The complaint X complains that Creation Financial Services Limited closed their credit card, withheld their annual fee and failed to credit their points or free night stay hotel voucher. What happened X had a premium reward club credit card account with Creation which included ... (3 pages)View decision
