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 DRN0261135
9 Jul 2013 Creation Financial Services Limited Not upheldBanking and creditMr R complains about the interest he has been charged on his credit card provided by Creation Financial Services Limitedour initial conclusionsThe adjudicator did not recommend that the complaint should be upheld. He was satisfied the account terms and conditions adequately explaine... (2 pages)View decision -
Decision Reference DRN1777192
28 Jun 2013 Creation Financial Services Limited Not upheldBanking and creditMr A complains that Creation Financial Services Limited (Creation) gave him incorrect advice about a balance transfer. He wants the bank to refund any interest he has paid, give him a 0% account for 9 months and compensate him for his time.our initial conclusionsThe adjudicator did... (2 pages)View decision -
Decision Reference DRN5131884
21 Jun 2013 Creation Financial Services Limited UpheldPayment protection insurance (PPI)summary of complaintMrs W complains she was mis-sold a single premium policy – providing life, hospitalisation and personal accident cover only - in connection with a personal loan she arranged in 2007 with Creation Financial Services Limited (‘Creation’). my findingsI have included onl... (3 pages)View decision -
Decision Reference DRN7274199
23 May 2013 Creation Financial Services Limited Not upheldBanking and creditMrs F complains that Creation Financial Services Limited continued to apply charges and interest to her credit card accounts even though she had agreed a repayment plan with it.background Creation Financial Services became aware of Mrs F’s financial difficulties in November 2010. It ... (2 pages)View decision -
Decision Reference DRN3659016
22 May 2013 Creation Financial Services Limited UpheldBanking and creditMrs B complains about a store card account she has with Creation Financial Services Limited and is unhappy that interest and charges are being applied to her account even though she is in financial difficulties. our initial conclusionsThe adjudicator recommended the complaint be up... (2 pages)View decision -
Decision Reference DRN2038845
13 May 2013 Creation Financial Services Limited UpheldPayment protection insurance (PPI)This complaint concerns the sale of a regular premium payment protection insurance (PPI) policy in October 2006, with premiums paid on a month by month basis, in connection with a furniture loan. Mr B arranged a loan – in store – of £2,459 over 24 months to enable his purchase. Followi... (3 pages)View decision
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