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 DRN8876361
21 Nov 2013 Creation Financial Services Limited UpheldPayment protection insurance (PPI)This complaint concerns a regular premium payment protection insurance (PPI) policy taken out in conjunction with a credit card in 2006. Miss C complains that the PPI was mis-sold by Creation Financial Services Limited (Creation).backgroundI have attached my provisional decision from Oc... (4 pages)View decision -
Decision Reference DRN1901325
6 Nov 2013 Creation Financial Services Limited UpheldBanking and creditMr B complains that Creation Financial Services Limited did not arrange the transfer of his credit card balance correctly. backgroundMr B opened a credit card account with Creation Financial and instructed it to transfer two existing credit card balances to the new account. One balance w... (2 pages)View decision -
Decision Reference DRN1375693
5 Nov 2013 Creation Financial Services Limited Not upheldBanking and creditMrs C complains that furniture provided by a third party supplier was misrepresented. She paid for the furniture with a fixed sum loan arranged with Creation Financial Services Limited. She holds Creation responsible for the supplier’s misrepresentation under section 75 of the Consumer ... (1 page)View decision -
Decision Reference DRN1455273
31 Oct 2013 Creation Financial Services Limited Not upheldBanking and creditMr T is unhappy with incorrect information Creation Financial Services Limited recorded on his credit file. He says this affected his ability to re-mortgage. He estimates his losses at £4,000.our initial conclusionsOur adjudicator partly upheld the complaint. She agreed that Creat... (2 pages)View decision -
Decision Reference DRN1711236
31 Oct 2013 Creation Financial Services Limited UpheldBanking and creditMrs O complains that, despite making payments of just under £2,200 under a debt management plan, the amount she owes Creation Financial Services Limited has only reduced by just under £140. She wants the company to freeze interest on the debt.backgroundMrs O had a credit card with Creat... (2 pages)View decision -
Decision Reference DRN6719207
25 Oct 2013 Creation Financial Services Limited Not upheldBanking and creditMs D complains that Creation Financial Services Limited (trading as Creation Cards) refused to renew her payment arrangement when it expired, although her financial situation had not changed and she had submitted an income and expenditure form to confirm this.background Ms D had a closed ... (3 pages)View decision -
Decision Reference DRN3904434
17 Oct 2013 Creation Financial Services Limited UpheldBanking and creditMrs L complains that the goods she bought using point of sale finance from Creation Financial Services Limited were misrepresented to her.backgroundMrs L bought a games console and game from a retailer using a fixed sum loan. She says she was told that the game would work with the conso... (1 page)View decision -
Decision Reference DRN4863135
11 Sep 2013 Creation Financial Services Limited UpheldBanking and creditMrs B complains about a store card account she has with Creation Financial Services Limited. As a result of ill health she has experienced financial difficulties and she is unhappy that despite making repayments to the account the balance has increased significantly.Mrs B is represented ... (3 pages)View decision -
Decision Reference DRN8941327
10 Sep 2013 Creation Financial Services Limited Not upheldBanking and creditMr L complains that Creation Financial Services Limited induced him to take out a credit card by promising free flight vouchers, but he was not able to use those as he had been led to expect. backgroundMr L agreed to take out a credit card associated with an airline. He says he did t... (2 pages)View decision -
Decision Reference DRN8503667
10 Sep 2013 Creation Financial Services Limited UpheldBanking and creditMiss G complains that Creation Financial Services Limited applied interest and charges to her account since 2009, even though she was trying to pay it off under a debt management plan. backgroundWhen Miss G first set up the plan, in October 2009, she owed about £430. By October 2012,... (2 pages)View decision