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 DRN9483112
28 Aug 2013 Creation Financial Services Limited Not upheldPayment protection insurance (PPI)This complaint concerns a single-premium payment protection insurance (PPI) policy arranged in connection with a loan. The loan (and its associated PPI) was arranged in 2007. Mr J, through his representative, says that Creation Financial Services Limited mis-sold the policy.backgro... (3 pages)View decision -
Decision Reference DRN9514261
27 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMrs U complains that, although she has been repaying a debt to Creation Financial Services Limited for several years under a debt management plan, the high rate of interest charged is making it impossible for her to clear the account.backgroundIn 2007 Mrs U told Creation that she had fina... (2 pages)View decision -
Decision Reference DRN9140333
27 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMr D’s complaint is that Creation Financial Services Limited, (‘Creation”), closed his credit card account without notice.backgroundWhen trying to activate an additional credit card for his wife, two weeks after it was received, Creation told Mr D his account had been closed. The clos... (2 pages)View decision -
Decision Reference DRN1288283
20 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMrs D complains about the way that Creation Financial Services Limited has dealt with her account. backgroundMrs D had an account with Creation Financial. When it was closing her account it incorrectly sent her a cheque which she cashed. Creation Financial asked her to repay the amo... (2 pages)View decision -
Decision Reference DRN5001540
20 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMrs D complains that a relatively small credit card debt owed to Creation Financial Services Limited (Creation) has grown hugely. Despite having repaid much more than the original debt over many years, she still owes a large sum. backgroundIt is not in dispute that Mrs D did not make the ... (1 page)View decision -
Decision Reference DRN8562486
16 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMrs H complains that Creation Financial Services Limited did not treat her fairly when she got into financial difficulties.our initial conclusionsOur adjudicator upheld the complaint. She concluded that Creation failed to respond positively and sympathetically to Mrs H’s financia... (2 pages)View decision -
Decision Reference DRN1322414
16 Aug 2013 Creation Financial Services Limited UpheldBanking and creditMrs H complains that Creation Financial Services Limited did not treat her fairly when she got into financial difficulties.our initial conclusionsOur adjudicator upheld the complaint. She concluded that Creation failed to respond positively and sympathetically to Mrs H’s financia... (2 pages)View decision -
Decision Reference DRN8954566
15 Aug 2013 Creation Financial Services Limited Not upheldBanking and creditMr J complains that a bed he bought with a loan provided by Creation Financial Services Limited is not of satisfactory quality. He wishes to reject it. He brings this complaint under section 75 of the Consumer Credit Act 1974.background Mr J bought the bed in April 2010, and it was deli... (2 pages)View decision -
Decision Reference DRN9865405
26 Jul 2013 Creation Financial Services Limited UpheldBanking and creditMr L complains that Creation Financial Services Limited charged a higher rate of interest on his credit card than was due.backgroundMr L has a credit card account with Creation. In January 2012 he noticed that the estimated interest was higher than it should have been had the correct ra... (2 pages)View decision -
Decision Reference DRN7994951
10 Jul 2013 Creation Financial Services Limited Not upheldBanking and creditMr R complains that Creation Financial Services Limited withdrew his balance transfer promotional interest rate after he made late payments in August and September 2012.our initial conclusionsThe adjudicator did not recommend that the complaint be upheld. Whilst he sympathised wit... (2 pages)View decision