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
-
Decision Reference DRN9662685
31 Mar 2015 Creation Financial Services Limited UpheldBanking and creditMr D complains that Creation Financial Services Limited, trading as Creation, has provided him with poor customer service.backgroundMr D firstly complained about problems he had in getting Creation to change his direct debit date over the telephone. Although it was change... (4 pages)View decision -
Decision Reference DRN1490633
11 Feb 2015 Creation Financial Services Limited Not upheldBanking and creditMrs N acquired goods using a Buy Now Pay Later (BNPL) fixed sum loan agreed with Creation Financial Services Limited. She complains that Creation failed to collect the loan repayment from her bank account before the end of the interest free period, and that Creation then told her she ... (2 pages)View decision -
Decision Reference DRN8290167
11 Feb 2015 Creation Financial Services Limited UpheldBanking and creditMrs Q has complained that Creation Financial Services Limited did not treat her as they should when she told them she was unable to repay her debt. This has resulted in lots of charges being added to her account which she doesn’t feel is fair.As Mrs Q is seriously ill, she is represe... (3 pages)View decision -
Decision Reference DRN4872235
6 Feb 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Miss L complains that Creation Financial Services Limited mis-sold a payment protection insurance (PPI) policy to her. backgroundIn 2006 Miss L took out a loan to pay for furniture. At the same time Creation sold her a PPI policy. This was added to the loan and repaid over the loan te... (2 pages)View decision -
Decision Reference DRN4663874
2 Feb 2015 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr L complains that Creation Consumer Finance Ltd mis-sold him a payment protection insurance (PPI) policy in 2009. backgroundOur adjudicator upheld Mr L’s complaint. Creation disagreed and so the case has been passed to me for a final decision.my findingsI’ve considered all the ava... (2 pages)View decision -
Decision Reference DRN2204245
14 Jan 2015 Creation Financial Services Limited UpheldBanking and creditMr F complains that Creation Financial Services Limited (‘CFS’) should have defaulted his account sooner and he’d like CFS to remove interest and charges added unfairly to his account. our initial conclusionsOur adjudicator agreed that CFS didn’t default the account when it shoul... (2 pages)View decision -
Decision Reference DRN3207965
6 Jan 2015 Creation Financial Services Limited UpheldBanking and creditMrs Y has complained that Creation Financial Services Limited has not accepted her claim for a refund of the costs of solar panels, which she believes were not those that she thought she had purchased.backgroundIn 2013 Mr and Mrs Y received a call from a representative of a company sel... (3 pages)View decision -
Decision Reference DRN1581283
23 Dec 2014 Creation Financial Services Limited UpheldBanking and creditMrs E complains that Creation Financial Services Limited is holding her liable for a point of loan sale her husband took out. our initial conclusionsThe adjudicator recommended that the complaint should be upheld. She considered that Creation was not in a position to pursue Mr... (2 pages)View decision -
Decision Reference DRN4751992
18 Dec 2014 Creation Financial Services Limited Not upheldBanking and creditMrs H complains that Creation Financial Services Limited will not refund to her the money that she paid under a fixed sum loan agreement for laser-eye surgery. The company that provided the surgery and aftercare has stopped trading and Mrs H’s complaint is made against Creation Fi... (2 pages)View decision -
Decision Reference DRN1320879
17 Dec 2014 Creation Financial Services Limited UpheldBanking and creditMrs L has complained about the service she has received from Creation Financial Services Limited in respect of a loan she took out through it.backgroundMrs L took out a loan with Creation to buy a sofa. Despite her repaying it in full, Creation continued to contact her saying a debt re... (1 page)View decision