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 DRN5681637
24 Oct 2014 Creation Financial Services Limited Not upheldBanking and creditMs T complains about the customer service she received from Creation Financial Services Limited when she phoned about her credit card. backgroundMs T contacted the credit card provider by phone on two occasions without issue. On the third occasion, she says that the member of staff to w... (1 page)View decision -
Decision Reference DRN2469314
25 Jul 2014 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs R complains about a monthly payment protection insurance (“PPI”) policy added to her credit card account. Mrs R applied through Creation Financial Services Limited (“Creation”) via an online application process in August 2011. She complains she was mis-sold the policy.backgroundMrs R c... (3 pages)View decision -
Decision Reference DRN0362623
25 Jul 2014 Creation Financial Services Limited Not upheldBanking and creditMrs E is dissatisfied with Creation Financial Services Limited’s response to her claim under section 75 of the Consumer Credit Act 1974.Mrs E bought a sofa which she says she only purchased because the sales person told her it was 100% leather. Mrs T represents Mrs E in her complaint.O... (2 pages)View decision -
Decision Reference DRN2501012
8 Jul 2014 Creation Financial Services Limited Not upheldBanking and creditMrs T complains that she was mis-sold a supermarket branded credit card by Creation Financial Services Limited.backgroundMrs T says that when she was approached by a sales person as she was shopping with her young children, she was told the supermarket’s branded credit card had 0% intere... (2 pages)View decision -
Decision Reference DRN8036319
24 Jun 2014 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mr Y has complained that he was mis-sold a regular premium payment protection insurance (PPI) policy in connection with a credit card by Creation Financial Services Limited (“Creation”) in January 2010.backgroundMr Y took out the policy in January 2010 in connection with a credit card,... (3 pages)View decision -
Decision Reference DRN7958810
20 Jun 2014 Creation Financial Services Limited UpheldPayment protection insurance (PPI)Mrs Q has complained that she was mis-sold a regular premium payment protection insurance (PPI) policy in connection with a credit card by Creation Financial Services Limited (“Creation”) in November 2009.backgroundMrs Q took out the policy in November 2009 in connection with a credit c... (3 pages)View decision -
Decision Reference DRN7402605
23 May 2014 Creation Financial Services Limited Not upheldBanking and creditMr A complains Creation Financial Services Limited was irresponsible in providing him with two credit cards.backgroundMr A has two credit cards administered by Creation. He says he is in financial difficulties and that Creation has been irresponsible in providing him with the level of... (2 pages)View decision -
Decision Reference DRN8485019
20 May 2014 Creation Financial Services Limited Not upheldBanking and creditMr C complains that Creation Financial Services Limited accepted a loan application, but did not tell him he had been successful and so he took out another loan. He also complains that it has been slow to deal with his complaint.backgroundIn the summer of 2013 Mr C applied online for a ... (1 page)View decision -
Decision Reference DRN3395376
16 May 2014 Creation Financial Services Limited UpheldBanking and creditMr F complains that Creation Financial Services Limited (‘Creation’) cancelled a direct debit without his permission – which led to a late payment on the fixed sum loan he held with it.our initial conclusionsOur adjudicator ultimately recommended this complaint be upheld. He was sa... (2 pages)View decision -
Decision Reference DRN7051556
2 May 2014 Creation Financial Services Limited Not upheldBanking and creditMrs D complains that Creation Financial Services Limited has not been positive and sympathetic to her while she has been in financial difficulties.backgroundThe adjudicator recommended that the complaint should be upheld. Mrs D’s financial difficulties began in 2007 when she entered a deb... (2 pages)View decision