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 DRN6940684
31 Mar 2014 Creation Financial Services Limited Not upheldBanking and creditMr L complains that Creation Financial Services Limited (“CFSL”) did not set up a direct debit on his credit card account and as a result he missed a payment and incurred a late payment charge and interest.backgroundMr L had a store branded credit card, this account was supplied by a t... (3 pages)View decision -
Decision Reference DRN9101553
21 Mar 2014 Creation Financial Services Limited UpheldBanking and creditMr F complains that Creation Financial Services Limited (Creation) will not accept his request for a refund for faulty goods he bought using a fixed-sum loan agreement. Mr F brings his claim under section 75 of the Consumer Credit Act 1974 (section 75). backgroundIn January 2012 Mr F bo... (2 pages)View decision -
Decision Reference DRN9001504
12 Mar 2014 Creation Financial Services Limited Not upheldBanking and creditMr G complains that Creation Financial Services Limited expects him to pay more than he agreed to for his car loan. He is represented by Trading Standards.backgroundMr G part exchanged his old car, purchasing a new one for approximately £3,000 through the merchant. He financed this p... (1 page)View decision -
Decision Reference DRN1197462
7 Feb 2014 Creation Financial Services Limited Not upheldBanking and creditMrs N complains that Creation Financial Services Limited failed to accept a balance transfer payment to her credit card account from a third party on her behalf.background Mrs N asked her third party credit card provider to transfer £2,100 to her Creation account, which included an amou... (2 pages)View decision -
Decision Reference DRN3485048
7 Feb 2014 Creation Financial Services Limited Not upheldBanking and creditMs B complains about a finance agreement she took out with Creation Financial Services Limited so her daughter-in-law could buy a new car. She says the repayments on the loan were unaffordable to her and she is unhappy that Creation did not perform any affordability assessments bef... (2 pages)View decision -
Decision Reference DRN6633571
28 Jan 2014 Creation Financial Services Limited UpheldBanking and creditMr E complains that Creation Financial Services Limited has not treated him positively and sympathetically regarding arrangements to repay a debt.backgroundFor a number of years Mr E has been paying off various debts through a debt management plan. He has succeeded in paying off or ... (2 pages)View decision -
Decision Reference DRN0335573
14 Jan 2014 Creation Financial Services Limited UpheldBanking and creditMrs K complains that Creation Financial Services Limited has added interest to her debt after a period of not applying interest. She says that this means that she will probably never be able to repay the debt in full and is making her financial problems worse. Mrs K, who is represented ... (2 pages)View decision -
Decision Reference DRN9396406
17 Dec 2013 Creation Financial Services Limited UpheldBanking and creditMrs K complains that Creation Consumer Finance Ltd has not acted positively and sympathetically towards her, after she experienced financial difficulties in repaying her debt. Mrs K complains that Creation has continued to add significant interest and charges to her account and she is unab... (2 pages)View decision -
Decision Reference DRN8667086
29 Nov 2013 Creation Financial Services Limited Not upheldBanking and creditMr G complains that a sofa suite he bought with a hire purchase agreement through Creation Financial Services Limited was not of satisfactory quality when it was sold.Mr G’s mother, Ms L, brings the complaint on his behalf. background Mr G chose a new sofa suite from a local furniture ... (3 pages)View decision -
Decision Reference DRN9394766
28 Nov 2013 Creation Financial Services Limited UpheldBanking and creditMr F is unhappy that a payment he made on his credit card held with Creation Financial Services Limited did not clear his purchases as his payment took place before the statement due date.backgroundMr F opened his credit card account in July 2012 and transferred a £1,600 balance to ... (1 page)View decision