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 356 results
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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 -
Decision Reference DRN-4268824
22 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4268824 The complaint Mr W complains that Creation Financial Services Limited closed his credit card account, which meant he lost out on reward points and a hotel voucher. He’d like to be compensated and to receive the voucher. What happened Mr W held a credit card account with Creatio... (2 pages)View decision -
Decision Reference DRN-4291075
21 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4291075 The complaint Mr S 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 S had a rewards club premium... (3 pages)View decision -
Decision Reference DRN-4251558
18 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4251558 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 caused to him. What happened Mr M had a reward... (3 pages)View decision -
Decision Reference DRN-4222311
17 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4222311 The complaint Mr C complains that Creation Financial Services Limited closed his account and didn’t credit his points. He’d like compensation for the closure and the points returned. What happened Mr C had a credit card account with Creation. For an annual fee of £99 the card p... (3 pages)View decision -
Decision Reference DRN-4269077
11 Aug 2023 Creation Financial Services Limited UpheldBanking and PaymentsDRN-4269077 The complaint Mr G 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 G had a rewards club credt card account with Creatio... (2 pages)View decision
