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 DRN5990615
16 Dec 2014 Creation Financial Services Limited UpheldBanking and creditMiss F complains that Creation Financial Services Limited did not make a balance transfer correctly and that, when part of the transfer was recalled, it caused one of her accounts to have a debit balance.backgroundMiss F has a store card account with Creation. She says that she asked Cr... (2 pages)View decision -
Decision Reference DRN9942135
12 Dec 2014 Creation Financial Services Limited Not upheldBanking and creditMr F complains about a television he bought which was financed by Creation Financial Services Limited. background Mr F bought a television under a Buy Now Pay Later arrangement with Creation in November 2011. Mr F contacted the supplier in September 2013 as it had a fault. He had to pay... (2 pages)View decision -
Decision Reference DRN7452998
20 Nov 2014 Creation Financial Services Limited Not upheldBanking and creditMiss H complains that Creation Financial Services Limited (“the bank”) won’t refund her for a disputed transaction on her card, and consequent charge, after her purse was stolen.backgroundMiss H was on her way home from work when she realised her purse had been stolen. She cancelled ... (1 page)View decision -
Decision Reference DRN7704065
19 Nov 2014 Creation Financial Services Limited Not upheldPayment protection insurance (PPI)Mr L complains that Creation Financial Services Limited (Creation) mis-sold him a payment protection insurance (PPI) policy.backgroundIn 2007, Mr L took out a £3,147.71 loan with Creation over the telephone. Two weeks after getting the loan, Mr L bought a monthly premium PPI policy by c... (2 pages)View decision -
Decision Reference DRN3077986
18 Nov 2014 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs L complained that Creation Financial Services Limited (“Creation”) mis-sold her loan payment protection insurance (PPI) policy. backgroundMrs L took out the PPI policy with a loan when she bought some furniture in August 2005. The sale took place in the store, and Mrs L said she ... (2 pages)View decision -
Decision Reference DRN3464536
18 Nov 2014 Creation Financial Services Limited Not upheldBanking and creditMr C complains about the charges Creation Financial Services Limited has added to his credit card account, as well as about its overall treatment of him.our initial conclusionsOur adjudicator initially didn’t uphold the complaint. He thought Creation had done enough to help when M... (2 pages)View decision -
Decision Reference DRN7568475
7 Nov 2014 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Miss G complains that Creation Financial Services Limited (Creation) mis-sold a payment protection insurance (PPI) policy to her. backgroundIn 2007 Miss G took out a loan to pay for electrical goods. At the same time Creation sold her a PPI policy. This was added to the loan and repaid... (2 pages)View decision -
Decision Reference DRN6099686
7 Nov 2014 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs L complains that Creation Consumer Finance Limited mis-sold her a payment protection insurance (PPI) policy. backgroundIn March 2005 Mrs L bought some furniture in a shop and she took out a £1,199 loan to pay for it. At the same time Creation sold her a PPI policy. The policy cost ... (2 pages)View decision -
Decision Reference DRN3886644
6 Nov 2014 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr L complains about a single premium payment protection insurance (PPI) policy Creation Financial Services Limited (Creation) sold to him in 2008 over the telephone. The cost of the policy was added to the loan and repaid over the loan term.backgroundOur adjudicator upheld the compla... (3 pages)View decision -
Decision Reference DRN1767421
6 Nov 2014 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr K complains about a single premium payment protection insurance (PPI) policy Creation Financial Services Limited (Creation) sold him in 2002 over the telephone. backgroundOur adjudicator upheld the complaint. They didn’t think Creation had made Mr K aware he had a choice about whethe... (2 pages)View decision