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 361 results
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Decision Reference DRN-4340813
8 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4340813 The complaint Mr R complains that Creation Financial Services Limited closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact and time taken to resolve the issue. Mr R is a... (3 pages)View decision -
Decision Reference DRN-4341035
8 Sep 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4341035 The complaint Mr M complains that Creation Financial Services Limited closed his account and didn’t credit his points. He’d like compensation for the time it has taken to resolve this complaint and the points returned. What happened Mr M had a credit card account with Creation.... (2 pages)View decision -
Decision Reference DRN-4309254
7 Sep 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4309254 The complaint Mr E complains that Creation Financial Services Limited unfairly closed his account without expanation. He’d like compensation for the impact and damage to his credit file. What happened Mr E had a rewards club credt card account with Creation. The card included t... (3 pages)View decision -
Decision Reference DRN-4334042
5 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4334042 The complaint Mr H complains that Creation Financial Services Limited closed his account without expanation and didn’t credit his reward points. He’d like his benefits credited and compensation for the impact. What happened Mr H had a rewards club premium credt card account wit... (3 pages)View decision -
Decision Reference DRN-4213590
4 Sep 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4213590 The complaint X complains that Creation Financial Services Limited closed their credit card, withheld their annual fee and failed to credit their points or free night stay hotel voucher. What happened X had a premium reward club credit card account with Creation which included ... (3 pages)View decision -
Decision Reference DRN-4264160
30 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4264160 The complaint Mr V complains that Creation Financial Services Limited unfairly closed his credit card account, which meant he missed out of the rewards associated with the account. What happened Mr V had a credit card with Creation, that conferred various awards such as reward ... (2 pages)View decision -
Decision Reference DRN-4309600
29 Aug 2023 Creation Financial Services Limited Not upheldBanking and PaymentsDRN-4309600 The complaint Mr S has complained about a timeshare he partly paid for using his Creation Financial Services Limited (“Creation”) credit card. What happened On 5 November 2013, Mr S, alongside his wife, bought timeshare membership from a supplier when overseas in Malta (“Busine... (6 pages)View decision -
Decision Reference DRN-4288435
29 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4288435 The complaint Mr I complains that Creation Financial Services Limited closed his account without expanation and didn’t credit his rewad points. He’d like his benefits credited and compensation for the impact. What happened Mr I had a rewards club credt card account with Creatio... (3 pages)View decision -
Decision Reference DRN-4263702
24 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4263702 The complaint Mr R complains that Creation Financial Services Limited unreasonably closed his credit card account, which meant he missed out on available rewards. He’d like to be compensated for this. What happened Mr R had a credit card with Creation, that offered up various r... (2 pages)View decision -
Decision Reference DRN-4247049
22 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4247049 The complaint Mr M complains that Creation Financial Services Limited closed his account, didn’t credit his points, a free night stay voucher or refund the annual fee. He’d like his benefits credited and compensation for the impact. What happened Mr M had a rewards club premium... (3 pages)View decision
